BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: NV
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:
When I looked into my credit report, I found that part of the data was inaccurate. Experian and XXXX must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify these reporting items as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the following unverified items : XXXX 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 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 2022-02-11
Company: Revco Management, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Revco solutions in attempt to collect a debt for a XXXX  ( utility ) ( letter was dated XX/XX/XXXX ) but I received it XX/XX/XXXX. I called XXXX and verified that account was for an address that I never lived at ( or owned property in that city ). I asked XXXX representative to contact their billing department and report the error. I sent Revco a letter ( with proof of receipt ) stating that I do not owe the debt in question. I asked them to provide proof of the bill. I got the signed proof of delivery back from the letter. I then received another collection statement ( offering a 30 % discount ) on the debt that I do not owe. ( with no additional documentation ) Letter is dated XX/XX/XXXX. Revco Solutions is the company sending these letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In late 2020 I set up a my.equifax.com account and in the beginning all my accounts would be there to view, but shortly after opening the account all of my accounts vanished. I reported to them more than 10 times. They will not connect me to a tech support so I am having to deal with the inexperience of the people who answer the phones. Most do not even understand the subject of the call, I have to constantly ask for supervisors then they take my report and all end with nothing being done to correct this and every call ends with they will escalate this to tech support and this repeats every time I call them. I have been hung up on when asking for a supervisor, I have been told to delete my account wait 6 months then sign back up. Yes... wait 6 months but I did it because when AI deleted it i was never going to open it again. But out of bordom I signed back up and signed in and still the same issue. No accounts appear. However if I want to see that I have accounts I can click on file a dispute and there they are, all my accounts will show there but they dont show all the info in that account. For example and this is huge... read carefully...

Credit accounts You have 1 account items that may negatively impact your credit scores...

When I click on that link to see what that negative info is, it says on that page " You currently do not have this type of account. '' It should have named the negative account. So this is a problem. I dont know if this is identity theft since no information is showing. Just the statement that there is a negative in my report is not good enough for me to identify the account. 

So for almost 2 yrs I can't get anyone at equifax to take this seriously. Maybe this complaint will change their mind. But if the CFPB does nothing but collect reports then it will likely just go ignored like it has after more then 10 calls.

I have also been told to get my credit report sent in the mail. I dont want to wait weeks to get a report. I want them to fix my account on my.equifax.com but as of today its all the same. No accounts appear on the credit summery and the ones in the dispute part do not show all the info in it. Also my credit score on the account is missing. 

The email address on the account is XXXX and because I always have trouble even signing in I ended up with a second account that has the same issue XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 


15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call 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 2023-07-10
Company: EQUIFAX, INC.
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:
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a business checking account with US bank NA. On XX/XX/XXXX, I deposited a check of : {$260000.00}. On XX/XX/XXXX, I deposited another check of : {$26000.00}. On XX/XX/XXXX, I deposited another check of : {$360000.00}, the check of the {$360000.00} was returned as irregular signature because the issuer and signer of the check had XXXX  XXXX XXXX XXXX XXXX  which caused her signature to not be accurate. I have spoken to US bank severally about this and even the issuer of the check has spoken to them. The check of {$260000.00} and {$26000.00} cleared respectively but because the check of the {$360000.00} was returned, US bank decided to close my account. I was told the account would be closed by XX/XX/XXXX and a check would be mailed to me for the balance of the checks that cleared. XXXX XXXX, my business checking account was closed but the balance on my account was not mailed. I gave them a call back, I was told they they had instructed a branch manager by the name XXXX XXXX to issue me a check for the balance on the account before it was closed but I was informed the said branch manager was on vacation until XX/XX/XXXX. I went inside of the branch to meet the branch manager XXXX XXXX to inform her about the instructions I had heard from their Customer Compliance Department for her to issue me the check for the balance on my account before it was closed, she confirmed to me that she received the email but she did not have the authorization to issue me the check, I asked her what was going on, she told me their risk department had not released my funds and she hadnt heard from them. I waited for another week hoping to have information, but nothing. I kept calling XXXX XXXX to give me the direct number of the risk department but she said she couldnt and that she would follow up with them and asked me to keep calling her. Every time I call her back, she finds it hard to speak with me and she tells me she hasnt heard anything from the risk department. I asked her, why did you close my account if your review was not over? Now, I cant see my money and none of you is responding to me with information. Up until this moment, I keep calling them and no one seems to know what is going on and no one is answering my calls or questions. I need my money back to continue with my XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: Paramount GR Holdings, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity fraud regarding a company named GoodLeaf, LLC. It appears that the company has placed a XXXX lien against a rental property I own for a loan I didnt apply for fraudulently. I have never applied for a loan with this company and the address listed on the XXXX financing statement under my name is that of my rental property I own and not my personal address. 

The account number listed on the XXXX financing statement is : Acct # : XXXX The company address is : GoodLeap , LLC XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Theres also a XXXX XXXX XXXX as : GoodLeap , LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I requested to close my checking account at the beginning of the year prior to the merger with Truist but Suntrust neglected to close account. There were some APO payments that came through during that time causing negative balance off account. ash trust paid them instead of declining due to closed account. This caused account to go negative. XXXX XXXX sent a XXXX payment to my finance but had my name listed as contact person and was deposited to this closed account with XXXX XXXX. Suntrust took the money and then closed account and charged off. I went to the branch location who stated that they are unable to take money out of account nor return it back to sender due to account locked for charge off. Spoke with charge off department and they referred me to XXXX. Spoke with XXXX department and they stated account locked by charge off department and only ones who can assist. Spoke again with charge off department and they advised that theres was nothing they could do since payment completed through XXXX. I have been trying to get access to this money for last month and a half. The sender has tried to file a complaint with their bank and was told that they cant do anything since my account status is the issue. I need this resolved ASAP to prevent additional lawsuits pending. Thank yiu

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 2023-01-10
Company: EQUIFAX, INC.
State: PA
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:
As of Today XX/XX/23 at XXXX PM your company needs to delete these accounts below and if your company does not delete these accounts within XXXX business days, I will seek legal action for up to {$3000.00}. Your company is committing aggravated identity theft, violating the metro 2 compliance and FCRA. 

Delete these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these names below : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, L Delete these addresses below : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted XXXX, Transunion, XXXX and the original creditor XXXX XXXX XXXX  and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.

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 2022-02-11
Company: AVANTE
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: Their investigation did not fix an error on your report

Complaint:
AVANTE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX  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 XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have simply been trying to make a payment on my Bank of the West credit card I am unable to login to view my bill, confirm accurate transactions and make payments. When I login to the Bank of the West credit card login, Im told to visit the BMO welcome center page that includes no relevant information for logging in or making payments. Interest and fees will accumulate on my account if Im unable to pay my account and there are no branches near me. How is a bank able to stop offering fundamental services for credit cards accounts during a transition with no accountability?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Please remove these accounts ASAP.

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