BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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:
I looked over the verification letter received from XXXX and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXX XXXX XXXX  im not even familiar with the company and this information need to be removed from credit report because it violating my rights. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2017-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit a check into my account at Bank of America, the check is drawing from the same bank. That was on Saturday 1XX/XX/XXXX. Normally it is available the next buisness day except this time costumer service at Bank of America informed me on Monday the XX/XX/XXXX that it will be held till the XX/XX/XXXX and I know from the person that that paid me the check the amount was taking from his account on the XX/XX/XXXX.  Bank of America makes rules as they see fit their bottom line, their employees are useless and can not justify their time when they take a call with knowledge of any aspect of customers complaints

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 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed 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

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 2022-05-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXXXXXX XXXX Acct # 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 2023-01-17
Company: Experian Information Solutions 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:
INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

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 2022-01-09
Company: EQUIFAX, INC.
State: PA
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 need you to do a full investigation into Equifax and their method of sending out results. Today is XX/XX/XXXX and I received a response today regarding my dispute. I have two issues with this, they were supposed to get back to me by the XXXX of XXXX. They did not, I received this letter in the mail today. The issue with that is they backdated it to XX/XX/XXXX not the actual date which I received it. I need you to see when they actually mailed this letter out because I received it today and not before the XXXX of XXXX which is a violation of 30 days or more or me receiving a response. That violates the fair credit reporting act and I need you to look fully into when they sent the letter out because I received it today and not on the XXXX of XX/XX/XXXX. That is misleading information, which makes it hard for me to overturn the disputes that I am disputing. I am looking for you to hold them accountable. There is a huge difference between the date Equifax posted on this paper and the date I received it in the mail. When I disputed my information and reported it to you for violation of 30 days or more, I provided via US mail receipt the actual date they received it, they should have to do the same. I would like them to be held accountable to the same standard and show you guys the exact date which I received it. I did not receive it on XX/XX/XXXX, I received it on XX/XX/XXXX which is way more time than 30 days. I would like you to have Equifax to delete all the information off of my report that I am disputing because Equifax is not being truthful in their response time. I am looking for mailing receipts from equifax on their end to show the day that I was receive this letter via mail. If it is any day after XX/XX/XXXX they took to long and this information that I disputed needs to be deleted. Also I am questioning the name they sent this letter to. On my credit report reads XXXX XXXX XXXX, Not XXXX XXXX which they clearly sent this letter to violation number two. I want all the information that I am dispute to be delete it off of my credit report ASAP. Equifax clearly did not have the right name on the letter and did not send within 30 days. I am asking for a copy of their certified mailing letter on the day that I shouldve received this letter if it is past the XXXX of XX/XX/XXXX it needs to be deleted from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I tried for a THIRD time on using the promotional XXXX  link on another purchase and I still did not receive the correct promotional reward. Purchase amount was for {$590.00} on XX/XX/21. I had a feeling it would not apply correctly, so I took a VIDEO AS PROOF that the purchase was made correctly, following all the rules and using the correct link. 

Here is the video : XXXX XXXX XXXXXXXX There is obviously a glitch in their system that is preventing the promotion from applying, at least for me. It could be possible that other customers are affected but have not yet noticed to complain. AMEX needs to do some serious digging here, as this could be false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to my servicer, Fifth Third to inquire about having the PMI removed from my mortgage loan. 

They said it would require a re-appraisal. 

Scheduled appraisal and appraiser visited on XX/XX/18. 

Request for PMI removal was denied I received a copy the appraisal and around XX/XX/18 and noticed the appraisal was incorrect and did not have the correct bathroom count. 

Notified 5th 3rd on XX/XX/18 that the appraisal was incorrect. Then notified numerous more times. They gave me the runaround for 2 weeks and it sounded like it was not going to get corrected and I would just have to deal with it being wrong and the PMI cancellation request being denied. 

XX/XX/18 I received notice that the appraisal has been corrected and the PMI has been removed. 

They still will not tell me the appraised value. 

I have requested for a copy of the appraisal numerous times and have not received it. I need the appraisal and it is now going to be considered aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: GA
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:
I was a victim of identity theft and false and fraudulent bankruptcy ( XXXX ) was reported to my credit report. I have filled a police report and a ftc report and given it to the credit bureau and XXXX said it would be disputed and never heard nothing back in 2 months. Called again and filled another dispute. And then I couldnt access my report at all through XXXX website. And now its being reported on Equifax also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2018 On this portal Equifax responded to my complaint submitted to the CFPB on XX/XX/2018 stating after REINVESTIGATION they have determined that this unverified inaccurate information belongs to me. NO SUPRISE! Attached is a letter I sent via certified mail received by EQUIFAX on XX/XX/2018, Requesting information and contacts from chase bank with phone numbers of individuals providing the inaccurate unverified information. EQUIFAX has NOT sent the requested information. Its been over 60 days. EQUIFAX DOES NOT INVESTIGATE. If they did, they would have sent the requested information on the attachment. CFPB supporting documents from me was sent with this document over 2 months ago. EQUIFAX mail me the information in the document requested that Equifax received on XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an invoice from XXXX  ( Invoice # XXXX, attached XXXX  Customs Invoice '' ) for duties collected regarding an item purchased overseas ( Seller : XXXX XXXX XXXX, Country of Seller : XXXX ). 

This item was found to be defective upon arrival ( see attached " XXXX XXXX supporting emails '' ). Subsequently, the item was returned back to sender and my purchase was refunded by the Seller ( see attached XXXX return invoice and " XXXX Refund for XXXX 55-135 '' ). Under 19 C.F.R. 158.12, Customs should reduce the declared value to reflect the latent defects and adjusted value that the shipper noted on the return invoice. 

I notified XXXX customs department of this issue on XX/XX/XXXX and to ask for a reduction of duty charges. I received a response from the XXXX XXXX broker 230 days later on XX/XX/XXXX stating they could not defer the duty payment. I contacted the XXXX XXXX broker to request a drawback on XXXXas instructed by XXXX XXXX and Tax customer service representative and Drawback Specialist at US XXXX  ( see forwarded email below ). I have not heard a response back from them as of XX/XX/XXXX. 

Due to the value of the returned item was XXXX Euro, which was stipulated by the seller, the duty collected on import should be {$24.00} in accordance with the exchange rate on XX/XX/XXXX ( HTS XXXX is XXXX Euro and XXXX XXXX is XXXX Euro ). 

I requested a drawback from XXXX multiple times the last of which was XX/XX/XXXX. I have not heard a response as of XX/XX/XXXX. 

I have saved emails of my attempts to contact the various entities within XXXX customs/duty to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank is continuously charging me a late fee every month. On XX/XX/2021 my automatic payment from my bank account sent for {$1900.00}. I failed to change my auto payments to the new mortgage amount of {$2100.00}. So on XX/XX/2021, I sent a second payment of {$300.00} to make the payment {$2200.00}. Unbeknownst to me, Fifth Third Bank did not apply my XX/XX/2021 payments to the mortgage so when I sent in a payment XX/XX/2021 for the following month, it was counted as a late payment. From that point, I've been talking to Fifth Third Bank representatives every month trying to resolve this. Some have taken off the late fee on a couple of months but it is continuous issue that is still going on today. I've asked if there is a mortgage representative I can speak to face-to-face but they said no. They won't even provide resolution in writing each time I speak to a representative who states they've resolved it. I have to use days off to contact someone as my husband and I work Monday through Friday during their business hours. As of today, I have shared my bank statements and transactions with them showing each payment that I've made and the dates I've made them to illustrate that I've paid on-time. In addition to this, when Fifth Third Bank initially bought out our loan ( we didn't select them as a mortgage company ), they failed to include me on the mortgage. This took about 3 months to resolve. Now we are stuck on continuous late fees with unhelpful representative sending me in circles. I admit that this was initiated by my mistake with XXXX 's payment but they've made it extremely difficult to correct this mistake and they sure are making sure I pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im begging you please remove this to the credit report

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