BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
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: Their investigation did not fix an error on your report

Complaint:
I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Transunion did not make sure it was reporting 100 % correct. 

The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I sent a letter to Transunion in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. 

As a consumer, I now request to know all the steps Transunion took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? 
The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt 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 2022-04-01
Company: EQUIFAX, INC.
State: NJ
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 correspondence is in response to your recent claims regarding the below accounts that you verified although I've informed you that they are nothing to do with any transactions by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

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 2023-09-12
Company: Experian Information Solutions 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 repeated reporting of inaccurate late open accounts on my credit report. Despite my multiple requests for correction, these inaccuracies persist and have a significant adverse impact on my creditworthiness and financial standing. 
Below are the details of the late open accounts that I have previously disputed and continue to be inaccurately reported on my credit report : 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 Balance : {$10000.00}. I have attached copies of my previous dispute letters and credit reports from XXXX Credit Bureaus for your reference, which clearly demonstrate the inaccuracies I have been disputing. 

It is crucial to emphasize that I have never been late on these accounts, and the late payments reported are entirely erroneous. I have consistently made my payments on time, and I have provided ample evidence, including bank statements and payment receipts, to support my claims. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to notify me of the results of your investigation. Despite my previous disputes, the inaccuracies persist, and this situation is causing me significant distress and financial harm. 

Therefore, I urgently request that you take immediate action to resolve this matter. I kindly ask that you : XXXX. Conduct an in-depth and comprehensive investigation into the accuracy of the late open accounts on my credit report. 

XXXX. Contact the respective creditors to verify the accuracy of the late payment information. 

XXXX. Correct the information on my credit report to accurately reflect my payment history. 

XXXX. Provide me with a written response outlining the results of your investigation and the corrective actions taken.

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 2022-11-16
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Balance {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX # # # # # XXXX XXXX Balance : {$80000.00} ; XXXX XXXX XXXX .... Balance : {$200.00} ; XXXX XXXX  XXXX .... Balance : {$63.00} ; XXXX XX/XX/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 XXXX XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XX/XX/2023 FACTUAL DATA XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 FACTUAL DATA XX/XX/2023

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 2022-11-03
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have requested a loan refund on XX/XX/2022 and was told that processing will take around 150 days. I requested for any confirmation that my refund will be processed however, they said there's no confirmation that they can give me. I called again in XX/XX/2022 and to get an update on my request and they said it is still going to take the 150 days from when I called on XX/XX/XXXX. No other information was given to me other than the fact that they said it might be refunded in XXXX. 

No confirmation about my request, and the long processing time is unacceptable considering that other loan services have provided confirmation/refunds less than the 150 days processing time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On XXXX Bank of America did a hard credit pull and I never applied for anything I asked them why is it showing up they said they have the right to view at any time because I use to have a account with them I told them that was 20 years ago and I want this removed from my credit score I was told there was nothing I can do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2023-10-12
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a US bank account with a checking promotion to receive {$500.00}. There were certain criteria, like setting up online banking, & qualifying deposits, plus account cant be negative balance for transfer to take place. Ive met all of these requirements, but have been overdrawn a few times. I wasnt aware that being overdrawn would void the promotion, and when opening my account I asked this question. I was told rest assured, that once the account is no longer in a negative balance, the promotion can then be applied. 

I called to check on this status XX/XX/XXXX, & was told a ticket was submitted to resolve this. I called back today, XX/XX/XXXX, & was told that I wasnt able to receive the promotion due to being overdrawn on XX/XX/XXXX. 


The terms on this promotion are not clear, & no where does it state that an overdrawn balance will void the offer, just the following : Your checking bonus ( " adjusted interest '' ) will be credited to your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance. There have been many days where my account has a positive balance, after meeting the requirements of this promotion, and should not be penalized for this. 

I would also like to share that several family members and friends of mine whove opened an account with US bank for a promotion, have also been denied. Including my grandpas, and members of my church. All have filed formal complaints here, & theyre always denied.

US bank should not be allowed to openly advertise these promotions, & find any loophole they can, legal or not, to deny their customers this bonus. If you cant resolve this and apply it to my account, I sincerely hope you fine this bank and donate that money to a charity or organization that desperately needs it.

We the tax payers have bailed out the banks numerous times, & for them to continue to treat us this way is beyond immoral and sickening.

Thank you for any help you can provide, & not letting this happen to others.

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 2020-08-09
Company: U.S. BANCORP
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-07-31
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC approved my account so I transferred money from my XXXX XXXX   into the account because it had to be a {$100.00} deposit. After checking my account it still shows an {$0.00} balance. After calling I was told the account they I just received they are closing and I have to go to the branch to get my money. I did nothing wrong and I wont be given an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am in the process of filing XXXX XXXX. I had previously been working with Freedom Debt Relief to pay off my creditors. My attorney stated that I should cancel my account and have any funds currently with Freedom Debt Relief immediately returned to me. I called them, explained my situation and they transferred me to the " termination '' department. I spent over 30 minutes on the phone and the agent would not initiate the return of funds. He stated I could not cancel the upcoming scheduled withdrawal. I told him multiple times in clear English to terminate my account and return my money. He then stated that he could stop the withdrawal and admitted to lying about it on the recorded phone call. After the fifth or sixth time of telling him what to do and him failing to do anything but argue with me I hung up. I then had to call back and get an agent to refund my money and stop any further withdraws. He did not have the power to cancel my account and said I would need to call back to do that. I told them multiple times on a recorded call to terminate my account and they refuse. I am not calling back. I should not be subjected to the lies, deception and emotional abuse that their termination department gave me. This company is horrible. I would never consider using them for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CREDIT WORLD SERVICES, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit World Service Inc Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian does not report information on my credit report accurately. Every month one of my accounts is reported and updated on a different day of the month. Currently one of my accounts is showing I have a balance and its actually have a {$0.00} balance. With Experian reporting inaccurate information caused my payment to drop 42 points. Which is drastically. Experian is the only credited reporting agency that have my credit reporting extremely low.

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 2020-08-09
Company: General Motors Financial Company, Inc.
State: MA
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 is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
After filing a claim with Bank of America for my stolen EDD card, I was issued a temporary credit to the account and then it was made permanent when they finished their investigation. Then when the CA EDD did a fraud overhaul they closed my account pending and identity verification, which was successful and the account was reopened. Despite the fact that the EDD verified my account, Bank of America retroactively reversed the " permanent '' credit and it has left me with a negative balance for over a month and the inability to pay my bills. The banks claims department- which is impossible to get through to- told me to send them a letter or fax convincing them that the fraud was real, even though they completed their investigation and came to that conclusion themselves already. 

They are not following the timelines as stated in the fraud liability protections and therefore have illegally taken almost {$10000.00} from me with no timeframe or defined course of action to take or that is in place to resolve the issue.

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