BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
PXXXX XXXX Account Number : XXXX Please remove it from my 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
Consumer complaint received 2022-11-13
Company: Experian Information Solutions 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:
XXXX, ecperian and XXXX has some accounts on my credit that is not mine.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
( 1 ) TransUnion has a legal obligation to ensure that the information it is reporting on my credit report is complete, accurate and verifiable.

( 2 ) I did not authorize the inquiries TransUnion is reporting on my report and I have notified TransUnion of the same.

( 3 ) Instead of properly investigating this matter, TransUnion chose to send me a stall letter, advising that I should contact the furnisher of such information. Notwithstanding the fact that I did, and the furnisher ( s ) is not aware of the listed entries, nor can they provide proof of me granting them permission to run my credit for a permissible purpose, it is incumbent upon TransUnion to ensure that what it is reporting is verifiable, accurate and complete.

( 4 ) TransUnion has failed and multiple efforts to resolved this matter over the phone have not yielded a positive outcome. Therefore, as a matter of last resort before further escalation, I am engaging the authority of the CFPB to investigate this FCRA violation.

Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for two years and if you believe it was made without permissible purpose, you may wish contact the company directly.

The above response is useless and means absolutely nothing with regards to my case. TransUnion is aware that I am a victim of identity theft and have been provided relevant documentation to reflect the same. Those inquiries need to be deleted- Period.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$740.00}.

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 2022-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
To CFPB, Bank of America closed my account and refuses to open it, even though I have complied with all of their demands. 
I do not have an ID issue with XXXX. There is no reason for them to keep my funds from me. I fought them on going to the bank with 2 forms of ID because of COVID-19. I have underlying health problems and I have not gone anywhere since the beginning of this whole COVID mess. They said the only way around that would be to have XXXX send a USID form. So I called XXXX and on at least 5 occasions, representatives I spoke to in the ID Department told me they would send that with me still on the phone and it would be instantly available for Bank of America to see and immediately open my account. Bofa denies every receiving any communication from XXXX. 
But I finally went to the bank, because I need money to pay my rent, and not die, so I went to the bank. At the first bank, I spoke to the branch manager that told me they could not verify me as I did not have an account with them, he said they did not verify prepaid customers and to call the number on the back of the card to get verified by phone. I thought that that couldnt be right because they had told me on the phone to go to any branch and they would verify me. So I drove to a different Bofa thinking the branch manager was just misinformed or was just being a jerk, and at the second bank, the manager I spoke to said the same thing. Totally furious, I went home and swore off dealing with Bank of America ever again, on principle. 
But I received an eviction notice today. Fortunately, my brother is sending me money to pay my rent. But he is barely in a better financial situation than I am. I need to repay him as soon as possible so he can pay his rent. 
If Bofa would reopen my account that they closed with no notice or explanation, I wouldnt be having any of these problems. I called Bank of America today and told them I went to the bank with 2 forms of ID and I was told they could not verify me because I dont have an account there. The representative I spoke with on the phone told me he would file a complaint, that the branch manager was misinformed, and to go to the bank with 2 forms of ID. I told him they would just tell me the same thing, and when I call, Bofa tells me to go to the bank. 
Hopefully you see my frustration and understand I have tried every way repeatedly, and the bank wont open my account. I dont know what else to do this has been going on for months. Please help me. 
Thank you for your attention to this matter, 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 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 filed chapter XXXX bankruptcy that was discharged on XX/XX/2021. The bankruptcy is not showing discharged on my Transunion credit report. I was told that it takes 30 days to update and it has been over 76 days ago.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 filed a dispute as to the incorrect items on my credit report with XXXX, Transunion, and XXXX, and it has been well over 30 days and I have not received any investigation results! 
According to the law 15 U.S. Code 1681i-Procedure in case of accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputedinformation, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period begining on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-01-02
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
this complaint is against flagstar they are breaking facra fair and accurate credit reporting act reported last activity after my car was charged off, i had called loan and told them to come and get car and they waited three weeks to come and take car also on credit report it showing active and showing that last activity was XX/XX/XXXX but they actually took car in XXXX but they finally got car in XXXX, ,i paid all payments on time and voluntary let car go back do to hardship. i was told that case was closed but they still have it open and dates are all wrong they need to correct the dates cause im trying to buy a house now and the date XXXX needs to be changed to correct date... they sold car XX/XX/XXXX after they came and got it in 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 2019-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have e-Correspondence selected to avoid physical mail being sent to the house. Mail continues to come via post. I recently changed my address to my parents address with USAA since they insist I should not be receiving physical mail and I am scheduled to move overseas in 1 month. Physical banking statements are now being sent to my parents address and mail is still being sent to my current address. This lack of control 9f financial documentation adds a great financial risk to my family and I. USAA places the full account numbers in their mail. I have contacted them 2 times via phone. Once to ask why I am getting mail and to change the address. The second was to ask why I am still receiving physical mail and why it is coming to the address I changed. The bank refuses to acknowledge that there is an issue on their mailing side.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This car acct is from 2015. A carlot told me I wasn't doing nothing but helping my sister with the income part on app. I didn't know that this was sticking me with this car .she eventually let the car went back due to lost of XXXX . I had car loan also with this same company Ally.. the acct says close on my credit report XXXX XXXX been over 5 years now all of sudden I'm getting call and they have put pon my credit a XXXX balance.never heard nothing about car she didn't mess car up or nothing then now here it is sold car aND I OWE THIS MUCH .NOT RIGHT AND THEY NEVER DISCUSS THIS WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive not been able get into my account with Chime in almost a year, didnt need to really because I just had some small deposits going in there just saving money for a rainy day. to but I have had deposits going into the account nothing major just some investment income I planned on saving. But someone has been using my chime account for the last year. When I recently regained access to my account I had to change address, phone number, email because none of it was my own. ( fyi : I was refused to be given the information that it was previous before I changed it ) never lived at the address it had use. Ive contacted all merchants over these issues XXXX XXXX  ( that I dont even have an account with, sent documents from XXXX XXXX with that information, XXXX sent the email from them stating to file disputes with chime for the transactions and XXXX same as well yet Ive disputed the {$1000.00} worth of claims that Ive provided all information for and I was even told by XXXX XXXX and XXXX  that they havent been contacted by chime about any of the claims and 4 times now that Ive disputed and rebutted the claims Im still denied. Nobody will physically call me from the dispute team for whatever reason to even speak about the unauthorized claims. Im being wrongfully denied my money back. Ive lived at the same address for 30 years and I know the ip IS NOT the same as the one I have because I dont have any but one and due to all of this being over unauthorized transactions from my virtual bank card. Ive asked now for 2 months for the documents that were used to resolve the disputes and never have seen them. Also another huge thing in all this should have been the bank account that was linked to my chime account wasnt even mine! It was a chase bank which I do have a XXXX bank but Ive only had it a few months and Ive never ever once linked chime to it and I have proof of that. I have proof of everything. I just want my money back Im a single mother and Im struggling.

One thing I would like to add is that some of the transactions are going to a XXXX XXXX being transferred to it and it has my name on it but I can assure legally that I can not even create a XXXX XXXX  account period

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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 have false reports and inaccurate accounts & inquiries which need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Was not notified of investigation status or results

Complaint:
When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around XXXX different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.

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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The Bank of America open an account whit out my permit

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 2022-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
BoA makes it VERY difficult to make a reg E claim. Criminal!! Im a bank expert and know it shouldnt be this hard. 
They sent me an email, likely fraudulent transaction. It was. So go to mobile banking, low tran business acct. Clearly fraud. 
Tried to dispute via mobile. 
Had to go to internet banking. 
Enter last 6 DC - done Enter TIN - done Then 6 digit code via text - done Then new passcode - done And repeat. And repeat. Stuck in a loop. 
Had to call. Extended hold time. Turns out internet banking uses debit card and since debit card has a hold, you can not dispute on internet banking. 
Frustratingly on hold, message keeps saying you could dispute on mobile or internet banking. Infuriating. 
After 32 minutes hold- spend 15 minutes on a call to dispute an obviously fraudulent set of transactions ; a process that should be done via text or in mobile banking in a minute. 
Seems to me that BofA makes it confusing and difficult on purpose.

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