BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$430.00}.

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 2017-01-25
Company: First Data Corporation
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
TRS recovery services, INC. sent XXXX separate notice of unpaid electronic transfer from telecheck services stating I had stopped payment on XXXX checks. No account or bank information was provided. I do not use telecheck and I have never written checks to the retailers identified in the letter. I checked with my credit union where I have my only checking account and no bad checks had been written on my account. I have sent notice via registered mail to TRS that I did not write these checks and that I will not give them any personal information as the letter states it will be used to recover the debt. They are continuing to call. I assume I may have been a victim of identity theft but I do not even have enough information from TRS to check on it. No bank name or location of where these supposed checks were written.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my business account on XX/XX/2023. Because of the nature of the business I am in ( XXXX  ), I typically deposit checks from insurance companies and individuals for relatively large amounts. I began depositing checks and noticed that they were not clearing up to 2 weeks. I inquired about the slow turn around time and they told me that it would only be this way for the first 30 days. It has now been almost 6 months and it is continuing to happen, in fact, it has never stopped. I deposited a check on Thursday the XXXX in the amount of {$14000.00}. I still do not have access to the money and, what's more, I have {$13000.00} in my account. I went to the branch in XXXX, Tx on XXXX XXXX and could not get any assistance but was provided with a phone number that no one seems to be answering. I can not conduct business in a timely manner because of this and would just like some assistance. I do not understand, if they can take my debit charges out of my account in 30 seconds, why can they not verify funds electronically and give me access to the checks I deposit?

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2017-03-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I ordered a copy of my credit report from Experian and was billed {$1.00}. Unbeknownst to me that enrolled me in some sort of membership. I successfully canceled the service going forward. However, getting a refund was another story. The money came out of my account on XX/XX/XXXX and I called on XX/XX/XXXX. They refused to issue a refund and put me on hold for over 20 minutes and refused to refund the money.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NY
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 ( Account number ending : 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 an 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 explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX  ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on 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 explanation
Consumer complaint received 2017-03-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Credit determination

Complaint:
In XX/XX/XXXX I got a secured credit card from Wells Fargo with a deposit of {$4000.00}. I was told that this secured credit card would be turned into an unsecured credit period if after a year I had maintained the card in good standing. I subsequently got another secured credit card from XXXX under the same terms. One year later XXXX returned my deposit and upgraded my account to unsecured, but after 16 months, Wells Fargo refuses to upgrade my card and return my deposit. When I questioned the reason for the refusal, they say that my credit report does not meet the standards to upgrade the card, yet they wo n't tell me what exactly is required in order to upgrade - just that my account is unsatisfactory. When I escalated the grievance I spoke with XXXX, ID # XXXX with Wells Fargo Credit Card Executive office, he told me that he shared the guidelines with me and that 's why they could n't upgrade the card, but he did NOT share the guidelines, he refused to tell me what it was that was preventing the card from being upgraded, he only stated that it was unsatisfactory. I have no way to get this deposit back other than close the account, which will adversely affect my credit score. Wells Fargo will not tell me why they wo n't give my deposit back, but XXXX did without even asking for it. I have no recourse - I am at the mercy of Wells Fargo deciding that someday my credit might be good enough to have the deposit returned and the card upgraded to an unsecured card. Customers have no recourse and they refuse to tell me what the requirements are. What can I do to get them to return the deposit and upgrade the card, or at least tell me exactly what on my credit report is preventing this.

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 2022-05-02
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX routed the sum of {$1700.00} through Citibank which they have been sitting on for several weeks. The fund is a reversal of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I'm the original beneficiary of the fund which XXXX XXXX couldn't apply due to the wrong account type. XXXX XXXX is a website broker and the fund is proceeds from the sale of my website.

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 2021-08-20
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX year of 2021 i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased 98 points back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. XXXX, XXXX, and Transunion have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: RI
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:
I am reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the information to be reported on my consumer report. I am requesting that this information be blocked and deleted from my report. My request to block is not made in error ; nor is my request being made on the basis of material mis representation. The identified transactions are copyright infringement as they do not have my consent to use my copyright trademark for any reason. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-06-25
Company: Experian Information Solutions Inc.
State: NY
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:
Experian continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints ( 6 complaints total ) were closed without any investigations or removals of these items, claiming these complaints are not from me. No documentation supporting the items remaining on my credit file were provided. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX XXXX XXXX, submitted a letter for the removal of these incorrect items. No response from Experian. A follow-up letter was submitted by Attorney XXXX on XX/XX/XXXX. As of today, Friday, XX/XX/XXXX, Experian HAS NOT responded to the follow-up letter either. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Experian attached ) Account Number XXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX BANK ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX XXXX XXXX ( 2 prior CFPB complaints for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that Experian remove these 5 incorrect items from my credit file per the FCRA.

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 2022-10-13
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX  XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2023-06-23
Company: National Healthcare Collections, LLC
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: Account information incorrect

Complaint:
This is to be taken off my credit report as it is under 500.00. 
Also it has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions 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:
I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.

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