BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-05-12
Company: EQUIFAX, INC.
State: VA
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 : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I file Chapter XXXX U.S Bankruptcy Court District of Nevada ( XXXX XXXX ) # XXXX Debtor Discharged XX/XX/2016 My Wife XXXX XXXX XXXX and I XXXX XXXX XXXX have NO INTEREST on a house located at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Bank of America & XXXX XXXX have fraudulent documents from XXXX XXXX ( XXXX ) claiming to be my Wife. there is several notary documents from NOTARY XXXX XXXX Commission # XXXX stating she has been getting loans from Bank Of America under my name without my consent with a blank space ( Must be Signed Exactly As Printed ( Not Present ) I had never married XXXX XXXX She is NOT MY WIFE. 

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 non-monetary relief
Consumer complaint received 2022-10-05
Company: Fay Servicing, LLC
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have called have emailed the documents that they requested and keep asking for the escrow to be removed. We pay our own taxes, and insurance policy. 
called once a month for the last 6 months. 
. Emailed the company XX/XX/XXXX { attached 2 ( two ) pages showing the following. The XXXX notice of assessment from XXXX XXXX, XXXX Wyoming to the county assessor that this property is not real property, we are asking again the escrow charges be removed from this loan we pay taxes on the land only and separate taxes on the trailer house XXXX XX/XX/XXXX asking for the escrow charges be removed, because we pay our own taxes and insurance policy information. The emailed included 4 { four } documents per their request and they still refuse all of our requests to set loan Straight. 
This loan was FOR LAND ONLY ( loan opened in XXXX ) by XXXX XXXX for the total amount of XXXX ( XXXX ) This loan has been sent to 10 ( ten different creditors since we opened ) Now today Fay Servicing has added escrow charges for taxes and insurance. 
every month on top of interest and principal. My XXXX is a XXXX Veteran, so our taxes are exempt, reducing the amount we pay on the Land Only and our XXXX XXXX,. Our total amount our loan is now {$91000.00}. We pay {$600.00}. dollars every monthly, never late always on time. 
This loan has caused a finial burden on our family, and we can not continue PAY FOR THE ESCOW CHARES. We have always provided any document they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022 I submitted a letter correcting personal information and also disputing errors with the following accounts. NOTHING WAS DONE THEY DIDN'T EVEN INFORM ME THAT THESE WERE BEING DISPUTED WHICH IS ANOTHER VIOLATON They are violating the following Consumer Rights Laws : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information
, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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. 

Accounts : 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

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 2022-05-12
Company: EQUIFAX, INC.
State: VA
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 : Account Name : XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) of XXXX fl said we was gon na meet up at a local plaza because I was buying an item from him. I contacted him today ( XXXX ) to tell him if we can meet up right now & Ill give him money he proceed to say send him the {$200.00} through XXXX  for the item so I did & then he blocked me. I have contacted chase & XXXX  & they refuse to do anything or even dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : This account XXXX XXXX XXXX XX/XX/2022 IS NOT MINE 15 U.S.C , 1681section 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. 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 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 2020-11-03
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:
Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with transunion & that I have 8 inquiry 's with XXXX. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies transunion, XXXX, XXXX. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went in at XXXX to Navy Federal Credit Union to deposit my paycheck so I could pay bills. After depositing through their ATM, there was no pending check in my account and no funds. So I reached out to their corporate number and was told that because the check was over {$1000.00} that part of the check ( {$250.00} ) would be deposited into my account on XXXX  and the rest would be in my account by XXXX morning. 

Fast forward to today- no money and no pending check. So I call the number back. The associate helping accuses me of depositing the check too late to get any funds before tomorrow. When I quoted direct timing to him of speaking to his coworker at XXXX after depositing it at XXXX, he said oh well thats XXXX time not XXXX. And he made it clear that he could do nothing. So I asked to be transferred to a supervisor. 

Now when XXXX got on the phone he basically told me straight out nothing could be done for me. When I pointed out that his employee made false promises and lied because of the time zone, he agreed that it shouldnt have been said and said he would talk to the employee. However I pointed out talking doesnt fix the fact that I have bills due today and XXXX going to get charged fees because of their employees lies. He said that theres nothing they can do. So now on top of holding my money XXXX, they are causing me to get fees that should have been avoided. 

If you work in XXXX time and its already past the time of deposits needing to be in, that should be stated. But as it wasnt, now theyve wasted my time, money, and have completely lost my trust in this company. As soon as my funds are in my account I am closing my account. And if anyone reading this also has Navy Federal accounts, I suggest you do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
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:
Im NOT disputing ownership of this loan! 
My dispute is to question WHY XXXX XXXX CHANGED information that was verified as accurate on my credit report for 14 months twice! It is an obvious attempt to corroborate inaccurate information with XXXX XXXX XXXX I will provide documentation showing changes made on XX/XX/XXXX reflecting 3 payments made XXXX XXXX XXXX XXXX XXXX. The very next day XX/XX/XXXX, 3 payments show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when previously last reported, until XXXX XXXX this account shows verified as accurate with payments received in XXXX XXXX XXXX XXXX XXXX XXXX It IS very important information to me because I rely on ACCURATE credit reporting especially this account as its the only one ever reported late in over 30 years! I question why it was changed 14 months after transfer.

Company response to consumer: In progress
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
XXXX  XXXX XXXX called on XX/XX/XXXX stating someone trying taking a loan in my name for 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 2023-04-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under XXXX XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputes to credit bureaus to dispute inaccurate negative items and have not received a response after several attempts to resolve the issue. The bureaus have not resolved my concerns, they have not completed their investigations in the allotted time frame, and the inaccurate information has remained on my credit report without being verified per my request.

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 2021-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA. USAA has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and ( 2 ) Affidavits of Truth to USAA as they have violated me as a Federally Protected Consumer. Most recently, I have mailed them a Notice of Default and Opportunity to Cure. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2023-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail on XX/XX/2023 stating my credit card had be closed. Due to previous circumstances which I never had anything fraudulent on this credit card nor disputed anything. I didnt receive anything stating my account was being closed until yesterday as the letter was stated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Williams & Fudge, Inc
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was in communication with CFPB with case # XXXXI was under the impression that this debt was deemed satisfied because I never heard back from the creditor, Williams & Fudge. Last email with said institution led me to believe this was deemed satisfied since I never heard back and it was removed from my credit report. 

Come to know, that the original creditor rider university was given the account back without my knowledge either written or verbal and is threatening to report it again without payment which due to lack of communication by either party I thought was taken care of.

Company response to consumer: Closed with explanation