BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately for they are greatly harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: United Shore Financial Services, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
United Wholesale Mortgage inaccurately reported a missed/ delinquent mortgage payment for XXXX of 2023 to the credit bureaus severely damaging my credit score. I have documentation that proves the payment was made. Attached is a screen shot from their own website verifying this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I woke up to find that money was moved between my checking and savings account on my Wells Fargo account. The fraudster attempted to transfer all money to XXXX account and XXXX it to themselves. The first attempt was a XXXX transfer to a new recipient, " XXXX XXXX '', that was not added on my behalf in the amount of {$3500.00}. It was unsuccessful. The second attempt was also a XXXX transfer to a new recipient, " XXXX XXXX '', that was not added on my behalf in the amount of {$3500.00} and was successful. This occurred around XXXX according to transaction and email timestamps. As soon as I woke up and saw this activity on my account, I called Wells Fargo customer service. The representative closed my account and transferred to a new account so that no further activity would happen on those accounts and I changed my username and password. Because it was a Saturday, the representative told me to call back Monday to be transferred to the Online Fraud department which is only open on weekdays. When I called them on Monday, the representative asked me questions that would help with the investigation and that it would take 10 business days. I assured them that I did not make nor authorize these transactions. I then received a letter in the mail on XX/XX/XXXX stating that my investigation was closed and they did not find any evidence of fraud. I called on XXXX to dispute the investigation and I was told that once an investigation is closed, it's closed and I can not dispute. I don't understand how they can not offer me the opportunity to dispute when it very clearly was an unauthorized transaction! I also don't understand how they couldn't stop the transaction from going through when it still showed as pending in my account when I called on XX/XX/XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
huntington closed my account because of a phone conversation would not let me get my money from a branch or atm over XXXX they said they sending it in the mail close my account XX/XX/2023 its been almost 3 weeks still have not received my check im behind on all my bills received over XXXX in late fees cant pay my rent received eviction notice this is wrong mailing a XXXX check this is illegal especially how long im waiting still have not received my money seeking legal help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have not received points from Sony rewards using a XXXX credit card since XX/XX/2022. 

Contacted Sony Rewards on XX/XX/2022 which was responded the issue needs to be addressed with Commenity Bank. 

Cotacted Commenity XX/XX/XXXX and XXXX, 2022 which was told my account will be updated as soon as possible. However, points have not shown for months and 2 weeks since contact and still no updates. 

The card is still being advertised that reward points will be given out for purchases, but no rewards are being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Company closed account, will not give me the XXXX $ in the account, American Express XXXX XXXX XXXX, I was told to initiate a recall with the original funding source, this does not exist, spoke with XXXX of XXXX for XXXX XXXX that was original funding source, recall funds does not exist, never has, and never will, American Express is holding onto my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital One continues to report incorrect information on my credit report. I called Capital One regarding them not acknowledging my payments, and reporting " no '' payment received.I was told that, because I didn't make the full payment amount that my payment was reported as a missed payment. Just recently, on XX/XX/2023, I made the full payment amount that was billed. Capital One, and this is important, as XXXX has begun the process to end its agreement with Capital One due to, will notify the credit bureau of the payment, however ; leave the utilization high, if it is in fact high. I've called Capital One about this before, when I caught them, they did it again, and I was told that they would NOT be manually updating information that they reported incorrectly. This is very dishonest, and I've asked Capital One to be more careful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi, I noticed today XX/XX/2023 that I received a credit card from XXXX XXXX on the mail but I did not apply for the credit card. I called the credit company and the card was applied for in Georgia, I live in Florida, and the card was applied for at a XXXX ' store and used for a purchase of {$290.00}. I was advised to freeze my credit on XXXX and while doing that I saw on my credit report that another credit card was open with XXXX XXXX XXXX  and a purchase of {$5900.00} was made on XX/XX/XXXX. I filled a police report but I am worried that other accounts will be open under my name because whoever applied for the first 2 credit cards have all my information, including social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with wells fargo during pandemic. Over a period of several months or more my home was scheduled for foreclosure and then would be removed prior to scheduled auction date. I made many attempts to negotiate with bank never resulting in successful agreements. Because of the pandemic and wells fargo refusal to work out any agreement with me my home was sold at auction on XX/XX/2022 for a mere {$190000.00}. The person who purchased it intended to flip it and sell for at least {$450000.00}. I was stripped of my home ownership status and was actually improperly evicted from home after purchase. Nobody would help me and nobody ever directed me to any resources available that would have aided me in retaining ownership of my home. 

I only just learned of lawsuit against Wells Fargo and was advised that said suit may relate to homeowners with mortgages financed by Wells Fargo. If I meet the criteria or can be added to any potential suit please someone provide me with any available information and I will pursue any potential rights I may still have. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Frost-Arnett Company
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the original creditor in XXXX {$74.00} when a second bill was received and advised the that bill was paid from my HSA account on XX/XX/22 I provided them with the transaction information from my XXXX  and they said that it would be looked into today I received a collection notice XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Re Truist Bank XXXX XXXX, XXXX On XX/XX/XXXX, I deposited a cashiers check in the amount of {$5000.00} at a Truist Bank branch in XXXX, VA. I asked the teller when the funds would be available to me and she said in a day or two. Two days later, XX/XX/XXXX, I checked my account online and it stated that the {$5000.00} was included in my Available Balance. 

I then paid some bills and withdrew {$1500.00}. Later that day I was shocked to see a Return Deposit Item showing the {$5000.00} had been deducted from my account, leaving a negative balance. I since discovered Truist didn't realize the cashier 's check was counterfeit until after they listed the amount in my Available Balance. That meant I not only lost {$1500.00} but also accrued overdraft fees in the amount of {$100.00} related to bills I had paid. 

My bill paying and cash withdrawal on XX/XX/XXXX, were made in good faith based on the assurances from the teller and Truist 's online banking information ( see attached documents ) that explain the deposit process and available balance. Any customer would have a reasonable expectation that such plain language would be true and accurate and could be relied upon. Well, they would be mistaken, as I was. Simply put, they are neither true nor accurate. In fact, they are unreliable since they are deceptive, dishonest, false, and fraudulent. In other words, lies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made my monthly auto loan payment to XXXX XXXX for XXXX on XX/XX/2022. The payment went through successfully and I received payment confirmation. The representative on the phone told me the payment would process immediately and reflect as paid. I had explained due to hurricane Ian I was unable to have the payment drafted sooner but made it before the 30 day. 

Now on XX/XX/2022 I received a notification from Experian credit bureau that my auto XXXX XXXX was 30 days late. Dropping my score XXXX XXXX. I have proof of payment that was made before the 30days. 

I spoke to ally and they said it will take 45days for a investigation and have it removed. I need this matter resolved sooner as Im in the process of purchasing a home. This was not my fault as the payment was made before the 30 days! This is negatively affecting me. Im suffering from stress due to XXXX XXXX error! 


XXXX Reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Happy Money, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan was modified due to a job loss, and I explicitly asked if it would not cause my account to be reported as delinquent, which I was told it would not. I received the paperwork and signed. I am attaching a copy. However, they are reporting me as being {$3400.00} delinquent and any payment not being accepted until that is paid. 

I have documentation where I explicitly asked etc as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your attention to this matter. I appreciate your efforts in helping victims of potential identity theft like myself find a resolution.

Company response to consumer: Closed with explanation