BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have 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 an 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
It was fraudulent activity.. my account was opened, deposit accepted, and closed within 48 hours, for reasoning that should have been vetted during the application process when a hard inquiry was pulled against my credit.. 
I want my deposit returned expeditiously. If I wasn't qualified the process should not have made it this far. 

XX/XX/XXXX I applied and was accepted for a secured credit card... 
Upon acceptance nothing was mentioned about last account balances it derogatory accounts, hence I was accepted and not denied. I was only told to make my deposit prior to XX/XX/XXXX On XX/XX/XXXX I made a XXXXXXXX XXXX deposit By XX/XX/XXXX I had yet to receive any communication about the account or deposit, I called customer service. 
( Phone calls included in attachments ) The representative told me the account was still waiting for the deposit to complete, although it was completed immediately by my bank, see attachments. 

I called again XX/XX/XXXX this time the rep could see the deposit, said my account **** was created my card was created and I should receive it by Friday XX/XX/XXXX at the latest. 

XX/XX/XXXX I called again because I could not log in to my online account due to old phone numbers being used for the 2 step verification. A representative helped me update my account **** and login. 
My new account was visible XXXX XXXX XXXX XXXX XXXX rewards XXXXXXXX XXXX  credit limit .... The representative asked if I seen a link to a digital card, I did not, she said it could take a day or two to pop up. 

XX/XX/XXXX I logged into my online account and my new account ending in **** was showing restricted ( see attachments ). I called again... I first told the deposit was never received that's why the account was closed.. after escalating departments I was told the account was closed due to spending usage beahviors that don't meet capital ones expectations... Which was irrelevant because I had yet to receive a card and there was no transaction activity on the account. I was told to contact my bank in regards to the deposit. 
I did so, the transaction was successful and complete according to my bank. 

XX/XX/XXXX same da, I call back only to be told the account was closed due to a previous balance from over 6 years ago.. my deposit will be refunded after 2 billing cycles ( 60days ) and it would be mailed to the address on file. 
I included the phone call dates and timestamps so that recorded conversations via capital one can be recalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A few years back, I was informed that I had past due Property Taxes owing to the City of XXXX. I had received no communications since these notices were sent to Wells Fargo who services my mortgage and handles taxes through escrow. I ended up just paying the amount past due plus fees to avoid further issues. Wells Fargo was unable to resolve the issue. I now have received a collections notice for another past due property tax amount. Again, because the city of XXXX doesn't send me property tax bills, I rely on Wells Fargo to service the account. This is unacceptable and I have concern for those who are unable to advocate for themselves.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent a dispute by mail asking what form of verification was used to verify the said Debt that doesnt match my records. they claimed that the furnisher has verified it and they dont need to show me proof ... iv reached out to the funisher and they havent responded to my mail or phone calls, yet transunion still claim its verified ... its been 6 months iv tried working on this and im being told the same thing ... iv requested informtation regarding the verification on the debt with 2 certified letters now and havent recieved anything but a credit report copy, that i can get get online for free...

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with 3 representatives to include 1 Supervisor from Transunion offline department and spoke with 2 representatives from the online department. I spent 2 hours explaining that I received an erroneous credit alert-the alert stated that I was thirty days delinquent on an account that was paid off in good standing in XXXX the creditors name is XXXX. I spoke with XXXX to verify that I don't have anything outstanding with them, they confirmed that my account was closed in good standing in XXXX I explained all of this information to all the reps at Transunion, Transunion lowered my credit score by 4 points due to the incorrect information and would not allow me to dispute the incorrect information. They proceeded to tell me that they don't see any incorrect data and no one asked me for a copy of my alert no one offered to investigate. I would like to receive a complete refund for their credit monitoring service it is not beneficial I don't know what I'm paying for, this service is supposed to alert consumers of errors etc.. which is does however there is no way to dispute erroneous alerts. I would like this issue fixed and I want a full refund for all the months I've paid for this service.

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 2023-04-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of XX/XX/, Equifax shows no information about me ( personally ) or any credit information relating to me on-line. This is the 2nd time in ( 60 ) days that this has happened. Why has my complete file disappeared from their on-line records? I have no issues with XXXX or XXXX XXXX I am requesting they check their records and tend to this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX {$2400.00}

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$4900.00} XXXX  XXXX  XXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$61000.00}

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 2023-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO REMOE THE FRAUDULENT ACCOUNT FROM MY EQUIFAX CREDIT REPORT. I HAVE REQUESTED FOR EQUIFAX TO PROVIDE PROOF THAT THIS ACCOUNT REALLY BELONGS TO ME, I NEVER REQUESTED FOR THIS ACCOUNT TO BE OPENED, I NEVER PAID FOR THIS ACCOUNT, AT LEAST IT NEVER CAME FROM A BANK ACCOUNT WHICH TRULY BELONGS TO ME. I HAVE BEEN SENDING MY IDENTIT THEFT REPORT TO EQUIFAX TO REMVOE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM XXXX XXXX XXXX, THIS WAS NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see specifically the loans below : I called ED Financial. However they do not see in their system that I have been late. However, on my credit report it shows 5 times late. They also agreed to send a letter stating so however, due to a back log of inquiries, they can not get it to me within the next 30 days and I am now currently trying to buy a building.

XXXX XXXX EDFINANCIAL SERVICES L XXXX XXXX XXXX EDFINANCIAL XXXX I have attached a copy of the credit report showing the incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I applied for my free credit report online at Annaulcreditreport.com. I picked Equifax to get my report from. After fill out all of the information it said I could not get my credit report and I had to call the customer care team. It gave me this phone number to call 888-Equifax. I called them on XXXX at XXXX XXXX. I talked with XXXX. Before talking to her I had to reverify all of my information again before speaking with her. She said that I could not get my credit report. If I wanted it I would have to have one mailed to me. I told her I didn't want one mailed to me and that was the reason why I applied for it online. After telling her several times I wanted online. She wasn't listening to me and was going to send it to me by mail. I asked for a supervisor. She was resisted wanting to send me to their supervisor. She finally did transfer to the supervisor. Her name was XXXX. She did the same thing. I don't understand why I could not get it online if I applied for it online with annualcreditreport.com. Equifax is not giving our credit report as stated on the web site very quickly. You have to wait 4 to 6 weeks for one! Wow! One other thing I will say also is while I was on the phone with XXXX I heard people in the back ground making laughing sounds and snorting their nose several times while on the phone with XXXX. You would think for a credit reporting company that they would be more professional than that and helpful to the customer. What I want done is for me to get my report on line from Equifax plus an apology from them to!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent a letter off XX/XX/2023. Here is the tracking # XXXX. To remove inaccurate information from my credit report. According to the fair reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-12-01
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good afternoon I am the owner and manager of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. XXXX dated XX/XX/2022 ) ; Correspondent bank of THE BANK OF NEW YORK MELLON. Information about payment in the annexes to this letter. Payment have not been received by the recipient. As far as I know, this payment is blocked. I ask you to help me set the details and the date of blocking this payment. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payment. Early I try to get iformation about this payment, but the bank sent me an answer about another payment. 
Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: HYUNDAI CAPITAL AMERICA
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: Problem with personal statement of dispute

Complaint:
This complaint is in response for complaint number XXXX. The facts are XXXX received THREE checks. XXXX received two checks on XX/XX/22 for {$3700.00} and {$1400.00}. On XX/XX/22 XXXX received the THIRD check for {$1700.00}. All three checks was applied as a monthly payment. Under complaint XXXX XXXX  alleged that I requested all three checks to go only towards my principal balance, which is a LIE! I attached the emails between me and XXXX XXXX who works at the Ohio General Attorney office which show me ONLY requesting the check for {$1700.00} to go towards my principle balance. If you look at XXXX XXXX response who ( works at Hyundai Capital America ), his response is highlighted showing XXXX XXXX acknowledged I only wanted to apply the check for {$1700.00} to my principal balance. Where do you see me asking for the first two checks {$3700.00} and {$1400.00} to be applied to my principal balance? NO WHERE!!! XXXX XXXX failed to apply the third check {$1700.00} to my principal balance which prompted me to call XXXX on XX/XX/22 to request this be done because XXXX XXXX ensured that it would be done and FAILED to do so. On XX/XX/22, is when someone from XXXX went in and moved the money from payments {$3700.00} and {$1400.00} to my principle balance WITHOUT MY CONSENT, which made my account late. Someone from the customer care team called on XX/XX/22 and admitted/ACKNOWLEDGED that XXXX made an error on my account and did not try to correct the issue. Instead, XXXX tried to make it seem like my account was late when it wasn't until XXXX went in and changed my payments. I sent in all the proof, showing I DID NOT request all THREE ancillary product refunds that XXXX received to only be applied to my principle balance. The calls are recorded, this is also my proof! I was never late, XXXX received two payments on XX/XX/22 which paid my account up to XXXX, the reason why I received NO PAYMENT due statements for XXXX and XXXX. I even attached my payment history showing {$300.00} going to interest for checks {$3700.00} and {$1400.00} before XXXX went into my account to changed it.

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