BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-30
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 XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I put in a complaint with CFPB on TransUnion for reporting a debt that does not belong to me. That same very day, XX/XX/XXXX, they went into my credit file and reduce my credit score by XXXX points saying it was because I had XXXX accounts that reduced balances and XXXX account that increased. Then 5 days later, XX/XX/XXXX, they reduced my credit score again, but this time by XXXX points, stating that a credit card decreased balance and one credit card increased. Then on XX/XX/XXXX, 3 days after the last decreased of my credit score, TransUnion decreased my credit score again by XXXX points, stating a decreased in a credit card and one increase in a credit card was the reason. 
This is truly done out of spite to me, as it is malicious and discriminatory. This hurts my credit with any creditor and causes me to have to pay higher interest. They not only are doing this deliberately, because they have decreased my credit score by almost XXXX points, I am in jeopardy of losing or being declined for my home mortgage. 
This is a willful and deliberate act by the credit bureau. See attached.

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 2022-04-25
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a collection letter from Caine & Weiner a debt in the amount of {$600.00} to XXXX XXXX XXXX. I have NEVER requested insurance from XXXX ; however, this policy covered a car which belonged to my son on which I was a co-borrower. IF I am responsible for this debt why didn't XXXX contact me BEFORE turning it over for collection!? This seems to be an unfair and deceptive practice. The debt dates back to 2017! I am asking that XXXX provide proof that I am responsible for this debt AND an explanation as to why I was not contacted prior to the debt being sent for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX  My navy federal debit card was stolen and a phone was taken as well. They accessed online and changed info. Then stole {$900.00}. Around XX/XX/XXXX I received mail from navy federal go prepaid that I were receiving a permanent provisional credit. This fraud took place around the same exact time XXXXXXXX XXXX XXXX XXXX XXXX  i realized my wallet and my sons phone was gone. I then read emails in my phone saying my providers card account sent money to my sons XXXX XXXX XXXX  that we didnt have totaling {$2300.00}. I never sent my son any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are XXXX accounts on my credit report and the XXXX reporting agencies show differing account numbers and information. 

The account numbers as listed on statements from XXXX had the XXXX numbers listed as below:379845444451000 - working capital business line of credit XXXX ; XXXX - business loan XXXX XXXX XXXX The business loan was paid online via XXXX web XXXX therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. 
See attachments showing online payment directly paid to XXXX via my online XXXX account. 

XXXX ) The working capital line of credit was settled with XXXX XX/XX/2021 with the agreement betweenboth parties signed on XX/XX/2021, that derogatoryinformation would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. 

I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from XXXX and the information on these alleged accounts does not have the accurate information. 

I am requesting that this account is removed from my report.

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 2023-10-30
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We had over {$49000.00} taken from our money market account at the XXXX XXXX  in XX/XX/2022. The XXXX XXXX  retrieved and returned {$37000.00}. The remaining {$11000.00} was transferred to Citibank and they have verified the identity theft claim but have failed to return the money. We have made numerous attempts with both banks to have our funds returned with no success. Hold harmless forms have been sent by XXXX XXXX and received by Citibank. XXXX is also Involved in the case.

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 2023-11-30
Company: EQUIFAX, INC.
State: OH
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:
My information with Equifax has been breached and here is my proof and they refuse to delete these accounts : XXXX XXXX - acct # XXXX XXXX XXXXXXXX - acct # XXXX XXXX  ( XXXX  ) - acct # XXXX Please delete these accounts from my credit report immediately as I was a victim of this data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRUIST FINANCIAL CORPORATION
State: AZ
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:
My consumer rights are being violated and thats against the law I did not give consent/permission for my information to be reported on my credit report and want it removed immediately under FCRA 15 USC 6802

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 2022-07-28
Company: EQUIFAX, INC.
State: NC
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX  Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A 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 accounts 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 2023-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, in the morning, I woke up and checked my email box. I opened an email ( please see attached file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from Wells Fargo bank which stated that -Your payment ( s ) were sent, amounting to {$9800.00}. Immediately I opened my online banking and checked my business account and it was really so. At the first onset, I called Wells Fargo Customer Services and explained to them that someone logged into my Wells Fargo online banking and used bill pay to send a {$9800.00} payment fraudulently. They accepted the claim, closed my account, changed my user name, and told me that they would research my claim and provide me with results within 10 days. I received their research on XX/XX/XXXX by mail please see the attached file ( XXXX Claim XXXX ). They sent me a letter denying my claim, telling me that they believed the transaction was made by me or someone authorized by me. It looks like the bank doesn't want to do any think to help me. 
They didn't return my money back until today.

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 2022-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 name is XXXX XXXX, my bank is Bank of America. I notice on XX/XX/XXXX that money was taken from my checking account 14 times by a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) located at XXXX, Ca, 390 miles from me. The total amount it was taken for food and service was {$960.00} PLUS BANK FEES. First I called my bank, they said because the most of the money was taken on XXXX they would not be able to put all the money back to my account. That I need to call the merchant/business and asked them to refund me. I understand if this where charges I authorized or was aware and I want them to chargeback all 14 transitions, but NO. This is fraud, I've never been at XXXX and why would I order food being 390 miles away? I contacted the merchant, we went back and forward through email, I provided bank statements etc. They said it was XXXX, then later said if it was someone using their ATM to take cash out then it couldn't be their fault. They told me to go back to my Bank and asked them to give me the money back. I feel played, because my Bank wont help me resolved instead told me to all the FBI, which I did and they said the Bank needs to return the money to me. I need the bank to realized that this was unfair to me and need to do more for me. Return my money and bank fees they charge me and investigate how that happened so it wont happen again. My card was cancelled. Again this happened all year of XXXX, from XXXX to XXXX of same year. I suffered an accident and was XXXX XXXX XXXX XXXX XXXX and trusted my bank account was in good standing and nothing like this could happen to me. I feel betrayed that my Bank does not have my back. 

Note : Im also attaching business address ( screen shot ) so you can see it is not a walk-in business, a customer could not walk in and just use a ATM. I also included ( attached ) screen shot of my emailing back and forward with owner. I believe my bank needs to be involved and return my money they aloud to be taken.

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 monetary relief
Consumer complaint received 2022-09-21
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were behind 4 payments with our previous mortgage holder XXXX Bank when they sold our Mortgage to XXXXMr. Cooper. When we contacted XXXXMr. Cooper to make a payment we were told the past due balance had transferred and they required XXXX simultaneous payments before they would allow us to make single payments. It took a couple weeks to get the funds together and it that time we passed over into the following month. When we called to make a payment we were told that they would now require XXXX simultaneous payments before they would allow individual payments. We again took time to gather the funds and contacted them again today to make the payment. They now have told us the remaining 2 months would be divided and added to the remaining XXXX mortgage payments of the year. When we stated we couldn't afford that they told us the only other option would be to file a reassessment of our mortgage but in that time no mortgage payments would be accepted. They keep making it increasingly more difficult to catch up on our mortgage and are leaving out details at every turn.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions 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:
Experian removed XXXX XXXX  account on my credit report due to it being a fraudulent account, due to myself providing supporting documentation being a FTC report and a police report. On XX/XX/2022 Experian reinserted the XXXXXXXX XXXX  account back on my credit report stating that XXXX XXXX requested the account be reinserted. Experian did not follow the law in regards to the Federal Credit Act ensuring that they sent documentation within 5 business days of the reasoning of the XXXX XXXX account being reinstated to my credit report. Also XXXX XXXX did not provide any supporting documentation of validating the account. The FRCA law has been broken by Experian and 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 2022-06-29
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX # 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 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 explanation
Consumer complaint received 2022-07-28
Company: Harris & Harris, Ltd.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received contact from Harris and Harris regarding a XXXX XXXX debt. They have a called and sent on letter. When I received that letter, I replied with a request to validate this debt and provide me statements, the right to collect this debt, and any other information in writing. I, also, requested that they do not contact in any way other than mail specifically stating I did not want calls. 

On XX/XX/22, I received yet another call from this company with an XXXX XXXX leaving me a message to call XXXX. I returned this call. I asked them to validate the debt as per my previous request which was made more than 30 days ago and to stop calling me and only contact through mail. I was told that they could only validate through email. I declined that as I have no interest in receiving emails or relying on my email provider to not mark their emails as junk or spam and thereby removing my ease of access to said emails. I requested that they mail the documentation which this person told me that was not possible. 

I have only been seen by XXXX for a worker 's comp injury and I have to my knowledge have not been sent a statement or bill for any remaining debt. I have no qualms about paying my debts but I would like my rights not trampled on when I request validation prior to paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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 sent a cease and desist to CHEX SYSTEMS which also included debt validation of accounts listed which were XXXX XXXX and XXXX XXXX. I received results from XXXX XXXX but no information in regard to XXXXXXXX XXXX. The closure status is UNPAID but an amount is not listed. Chex Systems received my letter on XXXX and failed to provide a competent investigation. Please remove XXXX XXXX immediately from my consumer report and send an updated file.

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 2022-06-07
Company: Bread Financial Holdings, 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 XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX 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 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 2022-06-29
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 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