BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A family member asked to send funds from my XXXX account linked to BMO to their XXXX XXXX. The funds he sent was a bad check. I had enough in my savings to cover the amount that was fraudulent & still had extra funds in my account. The bank told me XX/XX/XXXX they closed my account and I will receive my check in the mail in 3 weeks. I called back again about a month later and they said I need to go into the bank to verify myself. When I spoke to XXXX I told the fraud department on XX/XX/XXXX he said theyre backed up and theres no time frame on when my funds will be released. He said he will have the manager call and its in their notes, but no one reached out. Its going on 5 months now. My account is not closed its still in the frozen status.

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 2021-04-16
Company: EQUIFAX, INC.
State: LA
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:
Last XXXX Ive sent disputes for those inaccurate and unknown accounts but I haven't received any response yet it almost 60 days. I demand to delete those accounts asap or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I 've sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Every XXXX, I order a free copy of my credit reports from the three credit bureaus, via a mailed XXXX form. I provide all the necessary information ( SS #, DOB, address for past 2 years and full name ), as I have done for over a decade. 

Of the the three credit reporting agencies, only TRANSUNION, LLC is refusing to send me a copy of my annual report. 

TRANSUNION, LLC stated that they need proof of address. 

I sent TRANSUNION, LLC a copy of the postcard they sent to me proving my address. 
I sent TRANSUNION, LLC a copy of a magazine subscription proving my address. 
I correspond with TRANSUNION, LLC via my address and TRANSUNION sends me postcards at my address, proving my address. 
I also sent TRANSUNION, LLC a copy of the first-page of credit reports I received from XXXX and XXXX, again, proving my address. 

TRANSUNION, LLC is refusing to send me the free annual copy of my credit report. 

I don't have utility bills in my name. I am not going to send TRANSUNION, LLC my bank statement, canceled checks or paystubs. Transunion, is notorious for reporting wrong information on credit reports. And I don't want them providing third parties information that is not normally associated with my credit report. 

I suspect TRANSUNION, LLC has a major side business selling personal information to debt collectors. 

This is not fair. I deserve to see my credit report to dispute ANY and ALL incorrect information.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: MS
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:
Experian falsely claimed to the CFPB to have remove the XXXX account that is still showing up on my credit reports. I have provided a copy of the initial complaint as evidence. CFPB must demand that Experian remove the account or I will seek monetary compensation for their illegal practices.

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 2017-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Issue : PMI Removal Our home loan was originated with Wells Fargo in XXXX XXXX with PMI. In XXXX XXXX, we submitted a request for PMI removal and received a letter instructing us of the various options. We decided to complete an appraisal and paid the fee out of pocket, but the value came in low. We filed an appraisal dispute and our claim was not approved. Recently, we inquired in XXXX XXXX to remove the PMI given our home has appreciated. We were sent a letter with the same options. We decided once again to pay for the appraisal. The reported value, XXXX showed we are now under the 80 % loan to value and can remove the PMI. Two weeks later, we received a letter stating we can not remove the PMI since the LTV must be 75 % or lower. Our request was denied. 

Recently, I was informed that a unit XXXX # XXXX XXXX in our condo was refinanced by Wells Fargo and the appraisal was XXXX, closed in XXXX XXXX. My appraisal of XXXX was completed in XXXX XXXX. The units are identical in size and dimensions with no upgrades. Furthermore, the unit owner was employed by XXXX as well.

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 2022-09-03
Company: EQUIFAX, INC.
State: SC
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 am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} Account Information Address XXXX XXXX  XXXX XXXX  XXXX XXXX, SD XXXX Phone XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I AM A VICTIM OF ID THEFT DUE TO THE 2017 XXXX  DATA BREACH. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
The particular company ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2017-09-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On X/X/2017, in the course of debt collection activities related to my account, XXXX XXXX XXXX XXXX XXXX ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified XXXX XXXX XXXX as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: American First Finance, 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: Investigation took more than 30 days

Complaint:
I have requested an investigation on several accounts with XXXX, XXXX, an XXXX. The investigation took well over 30 days and this has caused me the consumer a deal of trouble that these accounts have been inaccurately reporting. I gave the credit reporting agencies 30 days to comply and they failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
my XXXX debit card ending in XXXX, cvv # XXXX, exp XX/XX/XXXX had an unauthorized charge/deduction from my checking account/debit card on XX/XX/XXXX at XXXX XXXX   est. I was in the city of XXXX, Illinois simply visiting on my way back to new York a few days later. However, when I pulled up my accounting ledger from XXXX XXXX/XXXX XXXX it clearly showed the reason that my account balance is not balanced ; the balance is off by $ XXXX {$150.00} than what it should be. In other words, my current balance should be about {$150.00} higher than what it is currently showing with the monies missing, which I did not charge nor authorize that deduction, either. That unauthorized charge from my XXXX debit card ending in XXXX, cvv # XXXX, exp XXXX is from merchant : XXXX, XXXX, XXXX, CA, PURCHASE, {$99.00} ( XXXX XXXX DOLLARS AND XXXX XXXX CENTS ). I DID NOT AUTHORIZE THAT CHARGE AND DID NOT MAKE THAT CHARGE MYSELF EITHER!! I simply want those stolen monies from my XXXX debit card returned back to me because I AM ON XXXX VIA U.S. SOCIAL SECURITY ADMINISTRATION IN XXXX D.C. AND I RECEIVE MY XXXX ONCE PER MONTH DEPOSITED TO MY XXXX DEBIT CARD. THE FIXED INCOME I RECEIVE IS ALL I HAVE TO LIVE ON TO SURVIVE. I LIVE IN POVERTY AND AM A TRANSIENT. I CAN NOT AFFORD TO HAVE SCOUNDRELS STEALING FROM ME! THE NUMBER FOR U.S. SOCIAL SECURITY ADMINISTRATION IS XXXX. I HAVE ATTEMPTED TO CALL THEM BUT WAS UNABLE TO FOR TODAY. I WILL TRY AGAIN TOMORROW. HOWEVER, I SIMPLY WANT THOSE MONIES PUT BACK ON MY CARD. MY XXXX IS A DEBIT CARD ; IT IS NOT A CREDIT CARD!!!! THIS IS THE RESPONSE I RECEIVED FROM XXXX : Thank you for your inquiry. XXXX does not issue credit or payment cards. Please contact the issuing bank at the toll free number on the back of your card in order to resolve this issue. Please also note that we have removed your card number and CVV code in order to further protect your identity and payment card. 




Investor Relations XXXX XXXX XXXX XXXX XXXX, NY XXXX tel XXXX ... I SIMPLY WANT THE IDENTITY THIEVES PROSECUTED AND BLOCK THEIR ACCESS TO MISUSE MY BANKING DATA AND PERSONAL INFO. THANKS. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number has repeatedly called me leaving no messages until one day I finally answered but said nothing. The person named XXXX came on the line and identified the company and self at my request. She refused to disclose her reasons for calling until I ID 'd myself for which I refused. I don't know her or that company! She claimed she was calling about a personal matter which usually means it's a collection agency. She declined my inquiries to find out what her business was about, I told her if they robo called me again I would report them to you. I decided to do it anyway because I'm tired of getting calls from collection companies who may/may not have the right person but continue to call from different numbers under the same area code which is a different form of harassment. This has gone on for 3 months! If this is supposed to be a legitimate business, no identifying info comes up on them so I don't know who this company is but if they call me again I'll sue them then we'll find out who they are. I've received no mail from any company by this name which tells me it's not a legitimate call! I've been called by similar numbers all with the same lack of identifying info, which I'm sure is them : XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; this constitutes harassment. I have no idea who they are, have never heard of them and in all the times they've harassed me with these robo calls they've never left any detailed messages or sent written correspondence explaining why they are calling. If they end up on my credit reports I will sue them for that reason alone, then add the robo calls to the list and send this complaint along with the one to the FCC filed today, to the judge for review. I'm sick of robo calls and unidentified numbers calling me without identifying themselves, leaving a message or notifying me in writing. Doesn't matter how legit their claim is, if they haven't notified me in writing and only harassed me through robo calls I have the right to sue them and will gladly do so, especially if this is on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, Experian, XXXX, XXXX, has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 
According to 15 U.S.C 1681, Section 602 A, states I have the right to privacy. 

The following addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX XXXXXXXX XXXX, RI XXXX XXXX XXXX XXXX XXXXXXXX, RI XXXX XXXXXXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX RI 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 2021-04-16
Company: Capio Partners, LLC
State: NJ
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:
I just happen to check my credit report and I noticed CAPIO Partners LLC, I said, what the XXXX is this? I opened it and it says it is because I owe {$1000.00} to XXXX  Hospital for XX/XX/2020. I didnt live in Florida, I live in New Jersey and I did not visit Florida  and there is a pandemic going on. This has impacted my credit score and I dont even understand what this is. I want an investigation. Proof of hospital bills and signature that this was me. I have utility bills receipts to prove this isnt me and I havent visited or been in Florida. Please help me remove this. Now, I have to do all the troubleshooting, while getting hurt financially by the impact of some random fraudulent person or company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: MA
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:
I am sick of dealing with this situation with Equifax, I have disputed information on the XXXX accounts on my report and they are ignoring the law. The are currently breaking the law. I am not a lawyer, but I am a concerned individual, that has invalid, incorrect, unsubstantiated information on my credit report and I want it removed immediately. 

There are multiple laws that Equifax is violating by reporting these false accounts and by law they are permitted to remove them. I have also filed an FTC Affidavit as well as will be filing with my attorney general. 

I am attaching all documentation that I have sent. 

Equifax is in violation of Act 15 USC 1681 subsections : 15 USC 1681 ( a ) ( 2 ) 15 USC 1681 ( a ) ( 3 ) USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b ) 15 USC ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
account number XXXX XXXX XXXX XXXX FTC report number : XXXX I have taken the decency to report there Fraud perpetuated against me to the federal trade commission. above this sentence I have provided the report number for further clarification. 
the account number listed above is a open end consumer credit account. They have restricted me, The natural person and federally protected consumer, my right to my own credit. I came to the table with the credit. I am the person extending the credit in the transaction so it really makes no sense what so ever to me how the 2nd or 3rd party, could have a say so in what I do and how I sue my own right, which in this case is credit. 
this is out right discrimination. I came to the transaction with the intention of extending my credit to this corporation or financial institution, and they instead have taken my credit application and monetized the credit application and in turn retuned to me a monthly payment and a credit limit. 
again they have restricted my access to my own credit, my own right! pursuant to 15 USC 1602g, clearly states who the original creditor is. yes it is indeed true that after my application for credit, the financial institution does indeed become a creditor, but they do not become the original creditor. Any forms fabricated from this fictitious corporation indicating other wise is a violation of 15 USC 1611- Criminal liability for willful and knowing violation, which has criminal penalties before the civil penalties are paid also pursuant to 15 USC 1640 - civil liabilities indicates that any damages I received because of this fraud shall either be XXXX per violation or it will be any amount indicated by me on said invoice. 
I am the original creditor, the natural person, federally protected consumer is the only person that can extend credit and create debt. 
the fact that XXXX XXXX is legitimately

Company response to consumer: Closed with explanation