BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit report, I noticed several fraudulent accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to all of these collectors asking for anything thing with my wet signature and none of them were able to furnish anything I signed. I have reached out to them THREE times in writing asking them to remove these fraudulent accounts from my report and haven't gotten a response. It have been over 90 days. The fraudulent accounts that I noticed on my report are listed with the amounts, account numbers and name of collector below : XXXX ) XXXX XXXX account XXXX Date Opened : XX/XX/XXXX amount : {$410.00} XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX Date opened : XX/XX/XXXX amount : {$1500.00} XXXX ) XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) account number XXXX XXXX Date Opened : XX/XX/XXXX amount : {$8200.00} XXXX ) XXXX XXXX  account number : XXXX Date Opened : XX/XX/XXXX amount : {$600.00} XXXX ) XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$600.00} There were also a stream of inquires that I didn't notice from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I literally just gotr off the phone witrh a supervisor from Experian on XX/XX/2023 at XXXX est. 

I was transferred to a lady by the name of XXXX, because I just spoke to somebody regarding a call on XX/XX/2023 from a representative name XXXX. I alerted XXXX that, because I am on a recorded line with Experian, he is also on a recorded line through myself. He told me that my disputes will be deleted and will be taking care of per fraudulant and unauthorized information being furnished by Experian. 

So, when I looked at my report today and saw that the items were under dispute and not deleted, I called to speak to a supervisor again. After a legnthy hold, I spoke with XXXX and told her the history and conversation that I just had with XXXX. I also alerted her that, I know that I am on a recorded line with Experian and you are on a recorded line with myself as well. 

She told me that I do not have the right to record her conversation. I told her that you are on a recorded line per your company Experian either way, so we're both being recorded, and I am also recording this call per myself. She told me she does not want to be recorded and hung up. This is unacceptable. Not only is Experian reporting information fraudulently, without my express written consent, now they are disrespecting me, the consumer, andhave flagrantly repeated not to do the right thing. I have given plenty of opportunities for Experian to make this right. They have failed to do so.

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 2021-09-16
Company: General Motors Financial Company, Inc.
State: MI
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:
My mortgage is through XXXX XXXX  and in 2019 we ran into some trouble because we switched our bank accounts and had set up automatic withdraws unfortunately there was an error and we were never notified of the first 30 day which then developed into several because we had to pay catch up once we found out what was happening and as you can see we never ran into problems with our mortgage payment before and this also happened on an auto with the same bank and same set up. We have since been on time with our mortgage payments for the last year and I would like the lates removed from our credit because it is bringing our scores down. The dates are XXXX. The report should only show the last 12 months. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ID Analytics, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have requested for the method of verification and proof on the accounts that were reflecting on my credit reports that were incorrect and erroneous but no proof and response provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Checkr, Inc
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
FYI, I have written documentation from both Checkr and XXXX on this matter. Checkr is the company I have a complaint against. 

Original Issue : I had a background check request from XXXX to Checkr and had a typo on my XXXX in Checkr 's system. 

Escalated Matter of Concern ( Complaint ) : Checkr ( the company running the background check ) refused to allow me to correct this SSN number with them and kept stating that it had to be corrected with XXXX  even though the incorrect information is within Checkr 's system. 

XXXX kept telling me that Checkr is supposed to further assist. Checkr keeps saying their 'policy ' with XXXX does not allow for XXXX corrections. Checkr states XXXX must submit a completely new report request and XXXX refuses to do so. This is not in compliance with the Federal Credit Report Act ( FCRA ) on how background check corrections are to be handled. 

Checkr is also not even following the instructions on their help articles per my written documentation in comparison to this link : https : XXXX I am now unable to start work with XXXX because of Checkr 's noncompliance with the FCRA and they are impacting my job prospects due to a situation outside of my control. FYI, I have had another background check through Checkr with XXXX which did go through with the correct SSN in Checkr 's system. This shows that a correct background check would go through and the failure is on Checkr 's part to even review their own system information. 

This matter to me is serious as it involves noncompliance with legal regulations through the FCRA. If an external regulatory body can investigate Checkr, that would bring me relief as these past few weeks have been stressful due to the confusion, back-and-forth, and miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
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: Information belongs to someone else

Complaint:
I recently got a credit report on free annual credit report and saw a fraudulent account reporting on my credit. I contacted the company on XX/XX/2023 and they couldn't verify any information that tied to this fraudulent accounts. I called the credit bureaus on XX/XX/2023, and i was told to get a FTC report. XX/XX/2023, i mailed the documents with my Drivers license and Social. I still havent got any corresponding from them. This is causing alot of stress.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo charged me over XXXX in fees that were incorrect. I have been harmed substainally on my credit report and have had a hard time opening a checking account due to their illegal actions. I believe they were negligent and committed fraud. These actions took place between XXXX and 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 2023-04-28
Company: Village Capital & Investment LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I added {$800.00} to my escrow to make sure I had enough to cover property tax and insurance. I do this every year, but this year Village Capital removed {$1300.00} from my Escrow on XX/XX/XXXX and increased my mortgage payments to {$1100.00} beginning XXXX XXXX XXXX At that time, my Escrow had a balance of {$3300.00}. When I contacted them on XX/XX/XXXX to inquire about the removal of the funds from my Escrow and the increased in my mortgage payment, I was told that an Escrow analysis was done and that I should receive my check within 30 days. I did not have a shortage, infact, I just added {$800.00} on XX/XX/XXXX to ensure that my Escrow had more than enough money to pay my insurance due on XX/XX/XXXX and property tax due on XX/XX/XXXX to prevent my mortgage payment from increasing since I am now retired, so why the increase when I did not have a shortage. No documentation of this analysis was provided or placed in my account. The last analysis documentation was done on XX/XX/XXXX, funds were my pulled from escrow and payment increased XXXX  When I called Village Capital at that time, my payment was {$970.00} and increased to {$1000.00}, I was informed that it doesn't matter how much money I put in my Escrow that my payment will never returned to that amount and that it will increase each year, which is exactly what is happening now. 
On XX/XX/XXXX, I called Village Capital because it has been more than 30 days and I still have not received the disbursement check and was told that it will not be mailed until XXXX, no date provided. Why is my money being held for more than 30 days makes me think that Village Capital is holding my money for company profits. I know that Escrow should never be managed in this manner. I have a VA Loan and all payments are made on time, but if they keep increasing my mortgage payment every year, I am afraid that I will lose my home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: LAND HOME FINANCIAL SERVICES
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Land Home Financial Services since XX/XX/XXXX. I got injured on my job in XX/XX/XXXX and have been off work on XXXX since I got injured. I became delinquent on my mortgage with Land Home Financial Services in XX/XX/XXXX. I completed an application with the XXXX XXXX XXXX. at Land Home Financial Services in XX/XX/XXXX. I have called Land Home Financial Services on numerous occasions to inquire about the application status. I've been told the underwriter, XXXX and XXXX will look over my application and give me a call. I haven't received a telephone call back or any communication from Land Home Financial Services in regards to the status of the application. I submitted an application with the Illinois XXXX XXXX XXXX for a XXXX  XXXX on XX/XX/XXXX. I have called Land Home Financial Services XXXX XXXX for a letter from the Loss Mitigation Dept with the status of my application to provide to the XXXX. Land Home Financial Services has failed to provide the requested information. XXXX has given me XXXX days from XX/XX/XXXX to submit the letter from Land Home Financial Services or they will close my applicant and I will lose my house.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : 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 an 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 or 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 2021-09-16
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday night, XX/XX/XXXX, I tried to put a stop payment on my check, for {$500.00}, on the TCF App. It did not work. I got a system error message. 

On XX/XX/XXXX, at XXXX XXXX, I talked to an agent, XXXX, and we discussed putting a stop payment on my {$500.00} check. She told me that the stop payment was complete, while I was on the phone. That was the end of our conversation. I believed and trusted her. 

That day, my check for {$500.00} was cashed. After speaking with many agents, each agent told me something different. 

One agent told me that it takes 24 hours for the stop payment to be completed. One agent told me that they could not refund my {$500.00}, because they didnt have it. Another agent told me it was because the stop payment was not stopped in a timely manner. Another agent told me that it has to be initiated three days prior. A manager, then, told me that they do not put stop payments on checks. Therefore, my {$500.00} wouldnt be refunded. 

I found a copy of the TCF corporate rules and read them, then found that they were old rules and not the current rules for the merger. 

I did not know how to find the stop payment process in the Terms and Conditions online or anywhere else, as XXXX never told me. That information was sent to me, three weeks and two days, after my phone call with XXXX, from the corporate office, in a letter dated, XX/XX/XXXX, explaining the Terms and Conditions for the stop payment process that I could only read at that time. 

Huntington Bank stated, in an email, dated XX/XX/XXXX, that the Welcome Package would arrive in the mail, introducing me to Huntington accounts and services, important transaction details and steps I need to take. I received the Welcome Package in the mail, XX/XX/XXXX, one month and twelve days after my phone conversation with XXXX. Therefore, I had no way of knowing about any stop payment process before the check was cashed. 

Not only did XXXX make a mistake by telling me my stop payment was completed when it was not, she also failed to tell me anything about a stop payment process. Had XXXX explained any of this to me, I would not have attempted to put a stop payment on my check, as I would have realized I would lose my money. Instead, I would have immediately closed my account to keep my {$500.00}. 

I received inaccurate and inconsistent information from all of the agents that I talked to, including Corporate. They are backing up their negligent agent and took my {$500.00}. I have no recourse. I can not trust Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: In progress
Consumer complaint received 2022-12-25
Company: Georgia Student Finance Authority
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: Account information incorrect

Complaint:
Georgia student finance lists on my credit score as an account in bad standing or " negative pay status. '' However, I have never taken a student loan. I have either had a scholarship, or I've paid out of pocket. This is negatively affecting my credit score, and it doesn't even show as having a balance due or any balance ever being on there, so it is negatively affecting my credit score with a balance of zero. I've worked hard to being up my score in the last couple of years, and this is just ridiculous... especially since I worked so hard to make sure I never had to take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$26000.00}

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 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX : I RECEIVED A DEBIT CARD FROM BANK OF AMERICA. 
XX/XX/XXXX : I RECEIVED A LETTER FROM BANK OF AMERICA STATING THE ACCOUNT HAD BEEN CLOSED. 
XX/XX/XXXX : I GOT ANOTHER DEBIT CARD FROM BANK OF AMERICA WITH A NEW BANK ACCOUNT NUMBER. 
XX/XX/XXXX : THIS IS WHEN I ACTUALLY OPENED MY MAIL AND SAW EVERYTHING. I CALLED BANK OF AMERICA AND THEY SAID NO TRANSACTIONS HAD BEEN MADE ON EITHER ACCOUNTS. THEY LOCKED/CLOSED BOTH ACCOUNTS AND OPENED UP AN INVESTIGATION AS I REQUESTED. 
XX/XX/XXXX : I RECEIVED ANOTHER LETTER FROM BOA WITH COPY OF A CHECK FOR OVER {$2400.00}. IT SAID THE CHECK HAD BEEN PUT ON HOLD.

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