BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX XXXX Account : 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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is showing in the remarks early termination and balance owing. The Vehicle was a total loss that is why the lease was terminated early. They were paid by the insurance company I also had GAP in the lease. I paid all the property taxes owed to them. I don't owed them or never had a balance with them.

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 2023-05-24
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:
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 that need to be investigated and corrected from erroneous reporting in my file 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 XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX Transferred my checking account to BB & T. However they did not send my savings account. In the transition they set me up with a new BB & T account login online, but did not provide me with the information or attach my email. The settings on my checking account were not carried over. 
XXXX Account : Overdraft protection - Would not allow transactions that would overdraft my account. Would transfer money from savings if an overdraft occurred. 
BB & T Account : allowed account to continue to go negative, assessed me {$180.00} in overdraft fees in XXXX dayI was not able to go online to monitor my account, I called XXXX times in XXXX days to get assistance with logging in online and was on hold for over XXXX min each time before having to hang up because I was working ( working XXXX hour days for a project ) Was told debits and credits would be transferred between accounts. However when my company attempted to deposit my check it was rejected. As you can imagine I am not a happy customer of either XXXX or BB & T for being so thoughtless to the customer. I wanted to go close my XXXX account on XXXX before the transfer, since I opened a XXXX XXXX account to use, and to my surprise all of the XXXX branches were closed and I had no way to close it. 

I want all of the debits and anything to stop hitting this account. I want for everysingle overdraft fee to be refunded. I want to pay the balance that was actually paid on my behalf and I want this account closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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: Account status incorrect

Complaint:
I disputed a charged off account with Transunion on XX/XX/2019, that Transunion failed to investigate and update properly on my credit report after receiving proof that the account was paid and sold to another company Transunion tried to submit an ACDV to the original creditor who no longer has the account Transunion failed to conduct a reasonable investigation or update the derogatory account to a paid status they are still reporting the account as delinquent when it's not.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have asked XXXX, XXXX, and Transunion that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the XXXX credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered U

NVERIFED. I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.

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 2023-06-20
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:
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.

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX, I received results from reinvestigation report from Experian stating that my results had been verified. On XX/XX/2022 I sent certified mail ( XXXX ) requesting according to 15 USC 1681i ( a ) ( 7 ), the description of reinvestigation procedure. The company received on XX/XX/2022 @ XXXX pm. Today is XXXX XXXX, I have not received the documents that the law says I, the consumer, is required to have. This is noncompliance to what the law states and for each non compliance I am due " in any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

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 explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NV
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, 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.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

I have inquiries from XXXX XXXX that need verification or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 Personify # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I Have a right to privacy. 

15 U.S.C 1681 Section 604a 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 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023, I deposited a check via an ATM at Bank of America. I was initially informed that the funds would be available by XX/XX/2023. However, on XX/XX/2023, I received an email from the bank stating that the release of my funds would be delayed until XX/XX/2023. 

To my surprise, on XX/XX/2023, I received a letter ( dated XX/XX/2023 ) from Bank of America notifying me that they were closing my account. The letter did not provide any specific reasons for this action, and when I inquired further, I was only told it was a " business decision. '' I have made multiple attempts to contact Bank of America 's customer support, both over the phone and by visiting a physical branch, but have not received any satisfactory answers or resolutions. This situation has caused significant distress and inconvenience, as the check I deposited was intended to cover my college tuition. Due to the bank 's actions, I have faced numerous challenges in meeting my financial obligations. 

I placed my trust in Bank of America to handle my finances responsibly, and I am deeply disappointed and frustrated by the lack of transparency and support I have received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Sunday, XX/XX/XXXX, I applied for and was approved for on-line checking with Wells Fargo XXXX Banking. I was also given an account number. I called back about ten minutes later, and canceled the account, after reading that there was a {$25.00} monthly checking fee. 

I reconsidered, and called back trying to cancel my closing of the account, but was told that it was too late. On Monday, I applied again, and was approved again, and given another account number. Various other emails came, regarding how to set up my account, etc. 

Then on Thursday, XX/XX/XXXX, I received an email saying that my new account had been closed because of 'inconsistent ' information. I called to find out the issue, and was connected to the fraud department. They proceeded to present me with questions dating back to 20+ years ago. Some of the answers I knew ; some I wasn't sure about, They told me I failed the test, maintained the closure of my 2nd account. They went on to take my {$25.00} deposit fee ( after account had been closed ). 

I called the bank on XX/XX/XXXX, demanding they return my deposit back to my XXXX account, but the fraud department said there would be a 17-days-hold on my funds, while they investigated me and or my applications. 

I feel like my character has been defamed, and my deposit was unjustified, since they had already closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Company name : HSBC Bank USA, NA I'm an XXXXXXXX XXXX with residential address outside USA ( in XXXX XXXX actually ). Early this year ( around XXXX or XXXX ), as one of the HSBC Group 's policy for international banking customers, I applied and opened up an HSBC USA Checkings and Savings account and received my debit card in XXXX. After the account had been opened, I did purely nothing but only transfers between my own international accounts ( all the accounts are in my name ) within reasonable scale. I then applied for a credit card ( one of their international policy as well as a XXXX customer ), submitted my passport copy, work information and salary slip, and received my card in XXXX. 

My accounts and cards were totally fine until XX/XX/XXXX XXXX, HSBC USA suddenly blocked my account and banned me from online and mobile banking. I contacted the bank almost immediately asked for if their was any problem with my account, they said that my account is under review and refused to provide any information about the reasons why they blocked my account or any time frame that they would be review my case. 

2 months has passed and it's almost XXXX now. During this period, I contacted HSBC for almost six times, and each time I contacted them they provided basically no info but asked for me to wait. 

I've checked with other HSBC USA clients who resides in XXXX and found that they have actually blocked a lot of accounts opened by XXXX customers ( but this is an international function they advertised and provided ). Apart from customer base discrimination, I have a hard time finding a reason to convince myself so I'm asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: AMERICAN ADVISORS GROUP
State: LA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband took out a reverse mortgage in order to get the mortgage they made us take my name off his wife because I was not XXXX which we did, my husband died ion XX/XX/2017, they started Forclosture on my home and it is set up for Sheriff sale on XX/XX/XXXX which my husband hasnt been dead a year yet, Ive tried to at least 10 times to allow me to get it in my name I am XXXX now Ive had NO success at all they are trying to take my home which I live in with a XXXX XXXX child, we owe {$97000.00} and home is appraised for {$200000.00} their is no communication within the company and I have spoken to over 10 different people and no one is helping or trying to help, I thought with an reverse mortgage they would at least Attempt to work it out. I am frustrated and they dont care!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX I entered the XXXX XXXX branch, and closed my account. I was given the cash that I had remaining ( ~ {$8.00} ), and grilled by the manager about why I was closing. I was honest and told them I was banking somewhere else. The gentleman teller called some other place, charged me my prorated service fee and closed the account.

Almost a month later I see online that I'd been charged for this month 's service fee. Upon calling the customer service- they told me the teller I had on 8/22 " didn't close the account ''. They said he apparently " Called back office for direction, but didn't close it. '' They then told me that I had to return to the branch office and speak with a manager in order to have the account closed. They insisted there was no way to close the account without me trying again in person. Despite me having already done that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

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 non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Report act XXXX Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX Balance : {$540.00}

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 2023-05-09
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.

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