BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have attached an FTC report with a fraudulent collection and fraudulent unauthorized inquires. I have sent 4 letters to Transunion and they haven't done anything and this is a violation of the FCRA.

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 2023-09-15
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:
XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
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 2023-05-05
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been XXXX. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. 

I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo started a " day before direct deposit '' availability of funds. On XX/XX/23 they recorded a {$8300.00} payroll deposit, intended for XX/XX/23, available for use. I used those funds for transfers on XX/XX/23. On XX/XX/23, I was charged a {$5.00} service fee for going below the minimum daily balance of {$300.00} to waive service fees. Apparently I had access to the funds, they appeared in my available balance, but they didn't count toward the daily balance. This makes no sense at all and I feel I have been tricked into paying more fees. Not happy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-10-09
Company: EQUIFAX, 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:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$21000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XX/XX/XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$12000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: GA
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 was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 i was online looking at houses and they had contacted me via email and told me that they owned the house and after looking at my info they then told me i was accepted as their new tenants. they sent me a copy of the lease and we both signed then i gave them the {$1800.00} and was told i can move in on XX/XX/2020. XX/XX/20 comes along and no one is answering or texting back or even emailing back. i never got the keys. i then drove by the house and other people were moving in. my boyfriend and i tried to knock on the door and talk to the people in the house but it looked like no one was there. i have a copy of a " rental agreement '' signed with us both. They said that the one husband got a job offer in Nevada and that they had to move and just wanted a family to take care of their house while they were gone. i tried to call my bank ( Chase ) to get it was resolved but since its Saturday they were closed and said to call back. im not sure if i can even get the {$1800.00} back and i really need that to put down on a down payment for a house or apartment. im a single mother that gets no help from my sons biological dad, this is all i had in my savings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a response to my Written Credit Dispute that was received on XX/XX/XXXX concerning my Account : XXXX. I wrote to further appeal the response and findings to request that Carrington Mortgage remove the 30-Day late payment that they had reported to  the creditors, based on the evidence I provide below and my second appeal was denied. 

In summary, I submitted a payment for my XXXX mortgage payment on XX/XX/XXXX, within the no late fee penalty timeframe. I submitted this payment from my mobile phone and accidentally entered the wrong routing number from XXXX XXXX XXXX  ( XXXX, which is indeed a routing number for Peoples, but not associated with my account ). Regardless, I received a message saying that my Submission was Successful. However, I DID NOT request that Carrington Mortgage save this information to my account on the webpage and I verified this with a manager who  spoke with technical services in a phone call on XX/XX/XXXX. FURTHERMORE, the technical department verified that when a payment is returned No Account/Unable to Locate that any saved information should be cleared by your system. This was not the case. 

When I learned that the payment was returned No Account/Unable to Locate, I logged into my account using my computer and paid using the Saved Account option on XX/XX/XXXX. I had used this saved account information to make all other on-time payments throughout the history of the mortgage. However, the incorrect information was erroneously saved from my previous attempt from when I entered the wrong routing number. In addition, the technical department also verified the incorrect payment information should have been cleared by your system. The technical department also verified that I indeed used the Saved Account Information on my second attempt on XX/XX/XXXX. 

I did not learn that this payment was returned until after the 30 day late timeframe on XX/XX/XXXX. I immediately paid the account when learning this information. I did not authorize this information to be saved from the prior attempt, and according to Carrington Mortgage technical department it should have been cleared, and thus this technical error caused my payment to be late. 

I am officially stating that this error was caused by the online software system saving my account information when it was not authorized and should have been cleared after the failed attempt and I made all reasonable attempts to pay my account prior to the 30-day late timeframe. I have clear records showing each attempt prior to the 30 days and have clear evidence that an internal system error caused this 30-day late payment. 

Carrington Mortgage is not taking any accountability for this error with their online payment system and has denied both appeals. This has significantly impacted my otherwise spotless credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.Account Name : XXXX XXXX Account Number : XXXX Amount XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: TN
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : 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 explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  AND EXPERIAN HAS REFUSED TO REMOVE A ACCOUNT THAT I NEVER FILED FOR CAUSE TO HURT MY GOOD NAME.

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 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit reporting for the month of XXXX and XXXX is reporting inaccurate information. For the month of XXXX, a payment was made on XX/XX/XXXX ( last day of the month ) for {$360.00} bringing the account to only 12 days past due. The account was less than 30 days past due at the end of the month. however I received a late mark due to a payment processing error. Also, for the month of XXXX, a payment was made on XX/XX/XXXX ( last day of the month ) for {$610.00} bringing the account to only 12 days past due. The account was less than 30 days past due at the end of the month, however I received a late mark due to a payment process mistake. Both payments were made on the last day of the month, which is when companies report to the credit bureau. Bank of America 's system didn't have time to process the current status when it was reported as 30 days past due. I would like for it to be updated to show current for those months. Also, I asked Bank of America to provide me with a signed credit application. They were unable to send this to me. Per FCRA policies, if the company is unable to produce a signed credit application proving that the debt is mine, the company must delete the trade lines. Bank of America refused to take the appropriate steps to delete the trade lines.

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 2023-10-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX  I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Collins & Hilton Asset Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt is beyond the statute of limitations as it has been 4 years since they began demanding the full balance on the debt. They are threatening a lawsuit against me. Furthermore, they know I have counsel on this matter and they continue to contact me directly after receiving written notice I have an attorney. 

My attorney 's name is XXXX XXXX with the XXXX. XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX her email is XXXX : XXXX. Please note I disputed the validity of the debt via my counsel and no response was ever received by the Collins Asset group. Any responses to this complaint should be directed at my counsel. 




Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was sent a letter from bank of America about an account that I never attempted to open, it was mailed to the valid mail address currently for me.i have no accounts open in XXXX as far as bank, or utilities. There should be no more than insurance from medical to bill as I can provide documentation to confirm current mail address :. XXXX XXXX XXXX XXXX XXXX, XXXX all other any other are subject of 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.Account Name : XXXX XXXX Account Number : XXXX Amount XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: Innovis
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: Their investigation did not fix an error on your report

Complaint:
UNDER FCRA LAW, account could not be validated or verified and collections have ceased. REMOVED all collections as well as XXXX  XXXX XXXX  from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, 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:
Ive been repeatedly dealing with the same issue for several months now and the reason why I am constantly contacting Consumer Reporting Agencies from the start, is to inform them multiple times that these incorrect and inaccurate accounts shouldn't be added nor placed on my credit report : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief