BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 Identity theft report was received by TransUnion to dispute and remove account on my personal credit report file number XXXX. This account was deleted on XX/XX/2023. However, the creditor reinserted this inaccurate information. This is a violation of law by Transunion. See FCRA 605B ( 15 U.S.C. 1681 c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Based on the date of receipt of my identity theft report, and the date of the deletion being 4 business days apart, this item was initially blocked. First Violation Under section b. requiring notification, I, XXXX XXXX, the consumer, was not notified of the block being requested and the effective dates of the block. Second Violation Authority to Rescind - Because this item was reinserted by the creditor, Transunion used authority to rescind the block. The block was not made in error, the information was not based on a material representation, and I did not receive goods or services, or money as a result of the blocked transactions. The creditor ( XXXX XXXX ) is reporting inaccurate information regarding my personal information, specifically addresses that I am not associated with that Ive had to remove from my personal credit report. Based on this material fact and evidence, Transunions authority to rescind the block was made in error and I request this to be remedied. I have submitted another Identity theft report now that I have become aware of the amount the creditor is reporting.

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 2022-03-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/2022 we sent an application for mortgage assistance. we spoke with carrington several on the phone and they informed us of all paperwork they needed. they mailed a letter stating they needed additional paperwork and in this letter did not communicate what else they needed. I called them and was told they needed awards letter for social security and pay stub for myself. I inform her that i do not get social security XXXX and my new employment with XXXX XXXX pays once a month and it would be another month before I receive my first paycheck. She said ok write that out and send it to them. 
we then received a letter dated XX/XX/2022 saying our application had been cancelled. we called them upon receipt of letter and was told 30 days had passed and we had not given them all required documents. 
On XX/XX/2022 we submitted another application with all the required documents. we received another letter dated XX/XX/2022 saying that my documents were more than 90 days old. **** please see dates on documents*** We have constantly gotten the run around with carrington Mortgage with our mortgage assistance application. This company has very poor communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Over a 4 day period, XX/XX/XXXX to XX/XX/XXXX, I got 4 email notices of " transfer requests '', to withdraw {$16000.00} from my XXXX account with Bank of America. 
I responded to each, " this is not me '' ( abuse at bank of america.com ) But on XX/XX/XXXX, {$16000.00} was transferred to an unknown account, some XXXX XXXX account XXXX. I don't have any accounts with XXXX XXXX. I did not initiate this, and Bank of America did not contact me before this money was released. As of XX/XX/XXXX, they claim I owe them the full amount. 

My credit card was always just a credit card, in 20 years with bank of America 's credit card, I never asked for transfer of funds from my credit card. This should have been a red flag to check before releasing funds.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: NV
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 2020-03-13
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.

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 2023-08-01
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX  the amount of XXXX was takin out every day of those dates they closed my account down without even telling me also. So unprofessional now I cant open a account with them

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 2022-03-22
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a previous complaint ( XXXX ) where I stated this credit card was not approved per customer service rep and a letter was sent to my home address from XXXX XXXX  explaining the reasoning for disapproval. As the time went by, I had no acknowledgment of this credit card until tidewater sent me a notice of hearing for small claims. This item never showed up on my credit report. After looking into these allegations, not only was the card approved, but it was wiped out the first week it was opened. The items forwarded to me by tidewater as their proof of acknowledgment was a very incomplete application with a clearly forged signature and a inflated income which is very off because I am on XXXX. Because my complaint was denied by cfpb, the attorneys office pursued legal matters along with tidewater and received final judgment without my presence at the hearing. I did not receive a notice to appear. If I genuinely applied and utilized this card as I am being accused of, it should be easy for them to validate and show me all those cash advance purchases made the first week the card was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the item attached below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for it was found to be erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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 and I'm including it again. 
XXXX XXXX Balance : {$360.00}

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 explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.

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 2021-08-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for auto financing with XXXX XXXX in XXXX, Tn with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX sent the application to fifth Third bank.. Fifth Third Bank denied me Credit. To my understanding Credit is a " Right '' not a privilege. Fifth Third BANK has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, I filed my police report and have contacted the creditors and credit reporting agencies of the fraudulent accounts due to identity theft. I wish to have these accounts immediately removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 tried to retrieve my Transunion and XXXX reports from annualcreditreport.com XXXX times and I've been unsuccesful. I would like to obtain my credit reports online. I want to to pull all three reports from annualcreditreport.com.

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 2023-03-13
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: Their investigation did not fix an error on your report

Complaint:
I sent my letter off on XX/XX/XXXX and XX/XX/XXXX. I told Transunion to investigate every piece of information on the accounts I listed below. I attached both letters from said dates. I am also attaching my most recent letter I sent out on XX/XX/XXXX. I sent all letters certified mail and have proof they received. According to the FRCA The term investigate 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 obtain through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. They also have not sent me copies of the documents or items they use to verify these accounts. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

Listed Accounts 1. XXXX XXXX Unverified Account 2. XXXX XXXX Unverified Account 3. XXXX XXXX XXXX Unverified Account

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 2023-04-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I went to my closet BMO bank branch to do a wire transfer to one of my brokerage accounts. This was the fastest ways to fund that external account, and timing was imperative. I had all of the pertinent information outlined precisely. The bank representative hurried me in and rushed through the process. I repeatedly stated the account numbers and the correct areas in wich they needed to be placed in. My funds are in limbo due to the gross negligence of the banking representative. I'm a volatile stock investor and this situation has cost me $ XXXX potentially more. I have a copy of the " Domestic Consumer Wire Transfer Request ". This individual NEVER ENTERED MY NAME OR ACCOUNT NUMBER TO THE BROKERAGE COMPANY!!! My lively hood depends on those funds being accessible. Now, my money is lost in space. Again, the miss handling of this wire transfer has put me in a bad position...

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 2022-08-12
Company: Experian Information Solutions 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 actI XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NC
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 follow-up complaint prior to my previous complaint dated XX/XX/XXXX. I need these items to be removed from my file : XXXX  XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX. 

I already included the items from my last complaint no I am Including them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has refused to investigate my credit file ( initially started XX/XX/XXXX ). XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules and subsequently the items in question must be removed. Please investigate this pattern of gross violations of my rights.

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX   XXXX XXXX-XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$9600.00} XXXX   XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$3100.00} XXXX XX/XX/XXXX {$160.00} XXXX   XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00}

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 2019-10-07
Company: Experian Information Solutions Inc.
State: AL
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 an attempt to correct my XXXX, Experian, and XXXX credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my 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 2021-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation