BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter regarding inaccurate personal information, negative accounts and XXXX late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!! 

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX BANK CARD SERVICES Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit 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 non-monetary relief
Consumer complaint received 2023-06-03
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX at around XXXX  I attempted to use an ATM but the ATMS ar four different locations were out of order. I ran into customers who also could not access funds. Sometimes the ATM said my card was invalid, other times it said out of order. I attemped to use my card at the grocery store and it was denied. I was not able to buy dinner with my credit card either. 
I called US Bank and they insisted there was no outage and nothing they could do. I see on XXXX there was huge outage starting on XX/XX/XXXX but US Bank won't acknowledge it is ongoing or tell us when it will be fixed. I have not been able to access my account for several days now. I'm concerned my autopayments and rent won't be processed either.

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 2021-10-15
Company: Experian Information Solutions Inc.
State: IN
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:
This company has been reporting a different balance for almost 7 years on each credit bureau. This account has been removed from XXXX within the last 2 weeks but has not been removed from Experian. I was unable to submit the screenshots online at experian.com/upload

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no 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 non-monetary relief
Consumer complaint received 2023-06-03
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX about multiple misleading accounts on my credit report. They still have not fixed these issues. i have missed out on multiple credit related products due to XXXX  mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BOK FINANCIAL CORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I received two thick envelopes from my mortgage servicer, BOK Financial, informing me that I was in default and had 90 days to cure it or else they would begin foreclosure proceedings. 

This was the first correspondence I had indicating that anything was wrong with my account. After calling them the following day, I learned that after a single bank overdraft in early XXXX, BOK Financial turned off my automatic mortgage payments and did not inform me of that change. As a result, I was suddenly three months behind on my mortgage payments and thus at risk of foreclosure. 

BOK Financial insisted that they had mailed me multiple letters and called me several times, but the foreclosure warning envelopes were the first sign that anything was wrong. A person claiming to be from BOK Financial had called me the previous week, but asked to confirm the last four digits of my SSN -- believing it to be a scam, I simply hung up. 

I find it frustrating and suspicious that BOK Financial claims that they could not get ahold of me for three months and yet was able to deliver a foreclosure warning right on time. Not once did anyone leave a voicemail, send an e-mail, or send a text message. 

I'm XXXX XXXX XXXX ; I rarely pick up the phone if it's a number I don't recognize, but I'm on e-mail all day, and BOK Financial was able to send me multiple e-mail notifications of secure messages throughout my complaint process after the fact. 

Even though I immediately paid the past-due mortgage payments plus fees the day after receiving the first notice, the " late payments '' have already shown up as a negative mark on my credit report -- despite the fact that I have never once missed a payment previously in more than seven years of ownership. 

Aside from waiving a single late fee, BOK Financial claims they can not do anything else to resolve this situation. I cordially request the CFPB 's help in righting this wrong. For reference, I have complained multiple times to BOK Financial via their online portal, submitted disputes with two of the three major credit bureaus, and plan on submitting an additional complaint in writing via mail to BOK Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was leaked/impacted due to an Equifax data breach. There are unauthorized items that are not related to any transactions by me : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: DE
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 sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.

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 2022-05-05
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  account number xxx ***, 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 non-monetary relief
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
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 2022-12-30
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Out of the blue RADIUS GLOBAL SOLUTIONS placed a debt of XXXX on my credit report. I have no knowledge of this debt, the only hint I have is it states the original creditor was XXXX. I have not used XXXX in probably a decade. There was no attempt to communicate with me, no mail was received. There is no proof that this is a valid debt. I believe this company has tried to place this on my report to create a hardship in the hopes that I would just pay them. I am requesting they provide proof of this debt to prove it is valid.

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 2023-08-13
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: Public record information inaccurate

Complaint:
The United States bankruptcy court XXXX XXXX of Michigan states they do not report to credit reporting agencies. Nor do they update information directly to the Credit bureaus.I have supporting documents 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 non-monetary relief
Consumer complaint received 2022-05-05
Company: LEXISNEXIS
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:
on XX/XX/2022 I have sent a certified letter to Lexis Nexis pertaining an alleged bankruptcy that they are verifying on my credit report to the credit bureaus. They still haven't replied back its been over 30 days.I have sent this letter multiple times before in the pass with a copy of my id and proof of my address. The company replies back that they can't verify my identity After i have sent the all my proof of my identification. I strongly believe that they are trying to avoid me and my concern about the bankruptcy that they are verifying on my credit report to the credit bureaus. They haven't sent me any documentation of information that used to verify this alleged bankruptcy. If they can't send support verifying documents they have to removed this bankruptcy from my credit report but they won't The company is simply not responding back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a platinum member of Bank of America ( BOA ). 

I received a 1099 for interest income on my checking account ending XXXX and savings account ending in XXXX. 

But no interest for a Bond deposit transaction on the checking account which took place on XX/XX/XXXX? 

It was a XXXX Bond redemption value of {$10000.00} each at ab interest of {$7800.00} each for a total of {$31000.00} at a total interest of {$23000.00}. 

Called BOA on XX/XX/XXXX and spoke to XXXX from New York. He could not find a record of the bond deposit? 

I explained to XXXX that I had a photo copy of the bond deposit made at their branch on XXXX XXXX, XXXX XXXX, FL and further explained that at the time the deposit of {$31000.00}, was first shown on my account then a day later it was removed??. 

After phone calls at that time with BOA with BOA noting the photo copy of the transaction and adjustment was made and the amount of {$31000.00} was restored on my account. 

As XXXX checked further he did come across an adjustment made on XX/XX/XXXX of about {$30000.00} but did not confirm the exact amount of {$31000.00}? 

He then gave me a case number of XXXX and said they would be getting back in touch with me and if I did not hear back from them to give them another call, Since was getting close to Tax time, I called back on XX/XX/XXXX and got a woman on the phone. I did not have to give her the case number because she said she ha my information. She then said that the bond transaction did not show on my account? When I pressured her further she said I would not need a 1099 for that transaction which did not seem correct. She also did not seem very knowledgeable. 

At the risk of being audited and reflecting how the original transaction took place back on XX/XX/XXXX, first the {$31000.00} was on the checking account then it was removed? Then after phone calls from my XXXX daughters, who made the deposit with my wife, and myself, the {$31000.00} was restored on my account. I thought I should report this plus I believe I am going to need a1099 from BOA reflecting that {$23000.00} interest income for my taxes. 

I would appreciate your help

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: Experian Information Solutions Inc.
State: IN
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:
Still many inaccurately reported items. Have disputed this multiple times. The inaccurate information violates my rights under FCRA. Please see proof of most recent report and inaccurate items with red check, between Experian and XXXX. Delete immediately.

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 2018-06-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my one year anniversary statement, I noticed Wells Fargo charged me a returned check fee for {$15.00}. They also sent a letter that said that my most recent automatic payment was returned unpaid/account not found and that as a result, the Automatic Payment Feature on my account had been canceled. I am not aware of being enrolled in any automatic payment feature. This type of error has not occurred before on my account and I manually pay my bill each month. I called Wells Fargo and the customer service representative was helpful and told me he could reverse the {$15.00} and that it would show up as credited on my next monthly billing statement, just to pay my bill as normal.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This complaint serves as a follow up notification regarding my unfortunate encounter with identity theft in the previous complaint dated XXXX. In compliance with Section 605b of the Fair Credit Reporting Act ( FCRA ), I have formally reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. As outlined in FCRA guidelines, Credit Reporting Agencies bear the responsibility to investigate all inquiries specified in an identity theft report : 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 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 XXXXTRANSUNION : 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. Attached herewith are documents intended to facilitate the investigation of inaccuracies currently reflected on my credit report. The listed inquiries are not associated with my identity. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are compelled to initiate an investigation into any information identified by the consumer as resulting from alleged identity theft, no later than four business days from the date of receipt.

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 2023-12-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
5/3rd bank advertised to me a money market account yielding a 5.3 % interest rate via email. I am an existing customer with multiple accounts already. The advertisement described the interest and deposit requirement of {$25000.00} to earn the rate. I spoke with my bank branch representative in XXXX, XXXX in late XXXX, emailing him first the bank 's quote for reference. I spoke on the phone and confirmed that I can change on of my existing accounts to the new money market account and upon transferring the {$25000.00} amount in the advertisement would be receiving the interest rate. I opened the account upon their representation and confirmation. I was already receiving about 5.2 % interest from the other institution where this money was held, but decided to transfer because of the slightly higher rate at 5/3rd and confirmation that I would be eligible upon transfer. I did transfer {$25000.00} into the account within a couple days of opening in late XX/XX/2023. I checked my balance in early XXXX and noticed I had not received the stated interest rate. The bank explained, now for the first time, that they had calculated some number I needed to exceed by {$25000.00} constituting balances in other accounts, which I would have no reason to know. I fulfilled my end of the deal, their exception they raised was confusing and misleading and I would not have opened the account but for their assurance I met the criteria upon opening the account and transferring the amount of {$25000.00} into it - which I did. The bank has refused to compromise the issue upon both written request and phone calls to do so.

Company response to consumer: Closed with explanation