BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only thing I have received from XX/XX/2023 is a letter stating that it doesn't appear to have been sent from me. After receiving that letter, I sent another dispute on XX/XX/2023 identifying myself and addressing the fact that I received the letter from you all. I pulled my report again and my account has not been updated to reflect the changes and ensure that the reporting is 100 % accurate. The following accounts are inaccurately reporting on my consumer report and are also in violation of 15 USC 1681i ( c ). XXXX Account Number : XXXX and XXXX XXXXXXXX XXXX Account Number : XXXX I demand that these accounts be deleted from my profile due to inaccurate reporting. 
These errors have damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored.

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 2020-04-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please attach this clain with another current claim # XXXX. The CD did not get sent to unclaimed funds. It was purchased through Charter One Bank before Citizens Bank bought them out. Citizens Bank finally investigated to find that it was NOT sent to unclaimed funds. We received a call from XXXX XXXX ( Citizens Bank ) XXXX to return her call. She finally made contact with my daughter, XXXX XXXX and made the statement that she must have cashed it in. My daughter didn't even know I had this CD for her until now ... so NO it was not cashed in. XXXX XXXX has not returned any of my calls to discuss this. Furthermore, if it was cashed in, a 1099 form would have been issued for the interest on the account that was paid when cashing the CD in. We feel like someone is trying to STEAL our money! This CD was for {$7500.00} originally, and was taken out in 2001.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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:
I have sent several letters to Transunion in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.

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 2023-02-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The USAA Federal Savings Bank is Violation of the Termination of Bank Accounts that the Claimant ( XXXX XXXX XXXX ) Immediately Requires The FBI and a Federal Prosecutor to Appoint a Criminal Investigation a Dispute in Stolen Final Payment of {$350.00} US Payment with XXXX XXXXXXXX XXXX Fraud Department involving Illegal Stop Payment and Third Party Conspiracy FBI Criminal XXXX XXXX that is In Obstruction of Justice This Fraud and Illegal Stolen Securities MUST involve a Criminal Investigate Report sent by Certified Mail within 3 Business Days as Required by Federal Law to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The Federal Trade Commission must investigate Fraud with USAA Federal Savings Bank Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud Agent XXXX XXXX XXXX XXXX XXXX XXXXXXXX Investigate with Impunity! 
( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2020-04-10
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened my {$1000.00} limit credit card with the bank in XXXX of XXXX. In XXXX of XXXX I received a call that my card had been shut down due to a merchant compromise that included my card information. The rep informed me that they would mail me a new card. Due to having reached my limit on the existing card I did not activate the new card. I had given my old card to my ex spouse because I thought the card had been closed. My ex spouse needed a card on file for an account and that was one I thought could be used without making charges. Over the span until XXXX of XXXX, transactions were still allowed to be processed on the card. I later found, after the account was closed out that this card was also my default card for mobile payments and I had initiated transactions as well had my ex spouse. By XXXX the account had over {$11000.00} dollars due. While discussing this situation with the bank I was accused of credit card fraud by deliberately making NSF payments. This is not the case, as their online banking system allows for payments to be canceled after initiated. I had initiated a minimum payment to the card on XX/XX/XXXX. I promptly canceled the payment within minutes due to the amount being much higher that I usually pay and submitted a payment for my usual amount. That is when I noticed the balance. I attempted to call the company to get my account closed, but I was informed it already was. I thought nothing of it and continued making payments as I had before. In XXXX I received a letter that my account had been closed due to NSF payments being made. This, again I thought nothing of, because the account to my knowledge was already closed. When I visited Montana, I brought the card with me and made a transaction using the physical card as an experiment. I presented the receipt to the banker and informed them of the situation. I was informed that there was nothing that could be done about the credit reporting and that I would need to continue to make payments of 3 % of the principal balance going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX And XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY GEN XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.

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 2023-01-20
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the co-signer on a mortgage entered into by my daughter, XXXX XXXX, under XXXX, which was bought out by Freedom Mortgage. She receives Social Security XXXX payments for having XXXX XXXX, but was able to go back to XXXX XXXX. and receive a degree, and is now in the second year of graduate studies in XXXX XXXX. She was never notified by XXXX that there was anything wrong with her payments, but just within the past week, Freedom told her that her her escrow was short by almost {$17000.00}, and that they were <tripling> her payments, from some {$850.00} to {$2600.00}. XXXX is not able to work, and I receive only an employment pension from the XXXX XXXX XXXX and have an advanced case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this increase would do considerable harm to us. Although we have tried to obtain a complete history of payments into and out of the escrow account, Freedom has never explained to us just why they think that the account is short by almost {$17000.00}. I also just noticed yesterday that even though my daughter and I paid her yearly house insurance premium in XXXX, Freedom has taken it upon themselves to insure the unit with another company and to disregard our own insurance, already paid, and have not answered questions as to why they are doing that.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This account that's appearing on my profile by XXXX XXXX XXXX XXXX in the amount of {$1400.00} is not mine and i do not have an account or contract with this company. Transunion is repeatedly reporting this account as accurate when the above account does not exist, matching addresses is not validation of an 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 explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a dismissed bankruptcy on my credit report that has inaccurate information. I have requested that the credit bureau investigate this and provide an update. They reply that they have investigated, and that information is accurate which it is not. I sent a request to the bankruptcy court asking how the credit agencies investigate disputes with the court. The court provided me a letter stating that they do not confirm or provide information to the credit reporting companies. How are the credit agencies verifying information if the source of the information is not providing updates to them. I have attached a letter from the bankruptcy court stating their position on credit agency investigations.

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 2020-04-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was XXXX, XX/XX/XXXX when my car payment was due, I had my ( then ) girlfriend, ( now ) ex girlfriend do the transaction for me so I don't get my car repossed. when I got out I usually go over monthly expenses to see what im behind on when I did I found a transaction on my XXXX account I didn't authorize at all I contact chase to tell them and they said take it up with her, it was a mistake to trust a somebody but anybody can try to get over on you, even family! the transaction was for XXXX dollars and chase is putting up a fight for my money that's not even a lot of money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These are not my accounts nor did I authorize any of these companies to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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 information incorrect

Complaint:
To Whom It May Concern, I hope this message finds you well. I'm currently facing a significant issue with your credit reporting agency. There is a XXXX XXXX account on my Transunion report that has been listed incorrectly as " charged off '' for years, while the same account is being reported correctly on my XXXX report as " paid as agreed '' ( I have attached a screenshot of my XXXX report for reference ). 

I've made numerous attempts ( over 10 disputes ) to dispute this account with both your agency and XXXX XXXX, but no action has been taken. This discrepancy is preventing me from securing housing, despite having a job with a six-figure income. I am currently homeless due to this account 's presence on my Transunion report. 

Could you please consider adjusting this XXXX XXXX account to the proper status of paid or remove it from my XXXX report? As you can see in the attached screenshot, the account has been paid as agreed. Thank you for your assistance. 

Sincerely, 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
While purchasing an item by accident knowing that I didn't have the funds it still went through having a limit to not be purchase when funds are not enough. After calling customer service to let them know what had happen I was told that I was fine that I shouldn't have to worry about it because I had called them to make sure the item was canceled. Afterwards I was still charged over draft fees and had other items coming in knowing I had enough to be covered but due to the accidentally item purchase it made me go negative and all the items that had came in afterward I was still charged for all other items an overdraft fee. I try to dispute it but they had refused my refund for overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}

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 2023-11-09
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXX/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 2020-04-27
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am refinancing my home and discovered that my cureent mortgage company, NewRez, ran my credit several times in XX/XX/2019. This was done without my consent or knowledge. I recall them sending me mail adn leaving me messages wanting me to refinance then. This was done without my knowledge or consent.

Company response to consumer: Closed with explanation