BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.

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 2023-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 # ( LISTED BELOW ), 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. XXXX  NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX. I didn't say that's its incorrect. I asked to remove it because I'm a small business owner and my vendors have dropped me because of this.. now remove the accounts or I'll sue for violation of my rights under the constitution!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have checking account with Wells Fargo I deposited my wife check and returned bank said this is bad check thats why we have close your account with out any issues because just one check was return

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 2023-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Select Portfolio Servicing company keeps raising our house payment claiming escrow shortage when there should not be. House payment has almost doubled since these crooks bought our mortgage. Have had to do loan modifications to be able to afford the payment but this time they keep asking for the same documents over and over. I've sent them everything they've asked for 5 or 6 times and they continue to ask for the same things. This is a predatory loan company doing illegal things to people with their escrow shortage scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a debtor to Suttell & Hammer, I feel compelled to share my experiences with this firm, which have been significantly troubling and warrant attention from the Consumer Financial Protection Bureau ( CFPB ). 

Lack of Communication : My primary grievance involves the firm 's consistent failure to respond to my communications for an extended period of over three months. Despite being a responsible debtor who has regularly met payment obligations, my attempts to engage with Suttell & Hammer have been met with silence. This lack of response has been particularly distressing given my current medical condition, which includes a XXXX XXXX requiring immediate attention and further treatment. 

Inappropriate Disclosure of Personal Information : Adding to my concerns is the firm 's handling of my personal information. Suttell & Hammer have engaged in conversations about my personal details with third parties without my consent. This not only raises serious privacy concerns but also reflects a disregard for professional ethics and client confidentiality. This includes searching for my and talking to friends to then suing my in court. 

Legal Concerns : The firm 's conduct does not align with the professional standards expected within Washington State 's legal framework. The disparity in their responsiveness and their unapproved sharing of my personal information are major red flags that question their adherence to ethical legal practices. 

Urgent Need for Corrective Measures : In light of these issues, I strongly urge Suttell & Hammer to take immediate action to rectify their approach. Their current practices fall short of the professionalism and respect that clients rightfully expect from a legal firm. 

I have taken steps to bring these issues to the attention of the XXXX XXXX XXXX the Washington State Bar Association, and XXXX XXXX for further investigation. Moreover, I believe it is critical that the CFPB is made aware of these practices, which may be indicative of broader systemic issues within the firm. 

Conclusion : My experience with Suttell & Hammer has been deeply unsatisfactory and distressing. I hope that by sharing this review, necessary steps will be taken to address these serious concerns and to ensure that future clients do not face similar challenges.

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 2023-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened an account at Capital One Bank in XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX in XXXXXXXX XXXX during this time I had a lot of issues with this bank including mailing out debit cards to different addresses in XXXX  and not being able to access my accounts as well as fraud and possible identity theft with my deposits and withdrawals and unauthorized transactions. They closed my account without informing me no explanation at all Also they still have an account in my name XXXX XXXX as a XXXX XXXX XXXX now living in XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I believe this bank along with whomever is accessing this accounts under false pretenses and using said accounts to receive Federal Benefits in the state if XXXX  XXXX, XXXX, XXXX, XXXX, including XXXXI I would like this investigated. thank you my names or names these accounts are or possible under are XXXX XXXX or XXXX XXXX I currently receive XXXX benefits or even XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA you are expected to delete these items. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XX/XX/2022 XXXX XX/XX/2022 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and dissatisfaction with the multiple unsuccessful attempts to correct the late opening of accounts associated with my profile. Despite repeated efforts on my part to rectify this issue through various channels, I have encountered persistent challenges, and the problem remains unresolved. 
I initiated the process to open accounts with your institution. Regrettably, these actions were not processed in a timely manner, leading to significant inconveniences. Despite my multiple attempts to address the matter through your customer service department, online channels, and in-person visits to the branch, I have not witnessed any tangible progress in rectifying the delays. 

The repercussions of these late account openings have been substantial, affecting my financial stability and causing undue stress. Furthermore, the delays have resulted in missed opportunities and financial setbacks that could have been avoided with prompt and accurate processing. 

I appreciate that errors can occur, but the repeated failures to correct this situation and the lack of communication on the progress of my case have left me frustrated and dissatisfied as a customer. I believe it is my right as a customer to receive timely and accurate service from your institution. 

In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the root cause of the delays in opening my accounts, as well as a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the relevant regulatory authorities and consider pursuing legal action to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00}.

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 2023-12-02
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, at XXXX I send myself ( recipients name : XXXX XXXX XXXX XXXX and transaction number : XXXX XXXX XXXX XXXX ) through Remitly, {$2900.00} to my XXXX  bank ending in XXXX. The transfer was held for more information. I send that information on XX/XX/2023. On XX/XX/2023 a someone claiming to be from Remitly called to discuss the issue. They identified me with my name and the exact amount that I was transferring. They said that the bank was still verifying the funds but that they would change the verification officials. They didnt ask me any information nor did I provide any of my passwords or data. When I went to check on the transaction it was complete but someone had changed the transfer number XXXX XXXX XXXX XXXX, the recipient to a XXXX XXXX XXXX XXXX, and the bank account to one ending in XXXX. This change was done without my authorization. I called Remitly and was routed to their fraud department that said that they would close my account, look into the matter, and to go file a claim with my bank. The representative said that this was a case of fraud and that they would work with my bank to return my money and shut down my Remitly account. He noted that I only ever send to my own account and this was suspect to him. At my bank they said that it was on Remitly to refund my stolen money as on their end the transaction was legitimate. When I called back to Remitly they quickly changed their tune and said it was not fraud and I had authorized the rerouting. I asked how they knew it was me that rerouted the funds, they said I spoke through them through text and confirmed via a text sending a temporary password. I never spoke to them nor did I receive a text from them. They said that they had my IP address of my phone as XXXX XXXX. On that day I was not in XXXX XXXX either. When I asked for the full bank account of where the money went to pursue the case through XXXX legal system, they said they would not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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 have tried to get this company to drop this account for around 3 years now. I am a victim of identity theft. I finally got my identity theft victim letter from the IRS which I will be attaching. Along with my FTC identity theft report which I will also be attaching to this message. These are not my accounts and I'm requesting that you delete them and all that associated with.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute for the account named XXXX XXXX  through the myequifax portal for an inaccurate collection reporting on my consumer report. 

They responded back verified within a couple days after their reinvestigation. 

I requested documentation directly from the data furnisher providing I owe this alleged debt. 

They did not provide this within the 30 days, could you please remove this inaccurate item from my consumer report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX there was roughly XXXX used by my debit card in various places and in a row the bank could not show me any videos, I only use my banks atm not 3rd party. They said there was not enough evidence which is a false statement as they reimbursed me XXXX XXXX in XXXX but then took it back. I since changed cards, but my account money is still gone

Company response to consumer: Closed with explanation