BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX through Loancare LLC began servicing contract XX/XX/XXXX and I made electronic payments from my credit union each month. In XX/XX/XXXX they notified me a payment had not been made. I contacted them and bank and we advised them of payment. Next month I received same message only now it was two months missing. Contacted bank and company again. 
Since then payments have been received and credited but still showing 2 months delinquent and has hurt credit report seriously. Now XXXX payment was returned to my bank.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I hope this letter finds you well. I am writing to formally request the removal of outdated personal information from my credit report. I have noticed that my credit report contains old names, phone numbers, and addresses that are no longer relevant or accurate, and their presence on my credit report may lead to confusion or inaccuracies. 

Below, I have outlined the outdated personal information that I would like to have removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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  PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 
I believe that the presence of these outdated personal details is unnecessary and may lead to inaccuracies in my credit profile. Removing them will help ensure the accuracy and clarity of my credit report, which is essential for my financial well-being.

I kindly request that you initiate the process of removing the aforementioned outdated personal information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date consumer information.

I appreciate your prompt attention to this matter and kindly request confirmation of the actions taken to remove the outdated personal information from my credit report within the timeframes specified by 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 explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am a victim of identity theft. I had filed complaints to TransUnion on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/XXXX I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that 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 2021-01-14
Company: LEXISNEXIS
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Lexis Nexis is a company that has taken CHILD SUPPORT information created against me and my family under, FRAUD, THREAT, COERCION and DURESS from the public record, re-created this information which is private and does exist as my intellectual property into a commercial file to be sold by their company without my consent. As this crime of consumer fraud and identity theft is being used to damage my family, i want this information removed from all databases that they sold my info that it may be utilized as i demand compensation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: NY
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:
the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XX/XX/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 2023-08-31
Company: Experian Information Solutions Inc.
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, customer service representative.

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 2022-11-14
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I had a XXXX  card that was serviced by XXXX XXXX XXXX XXXXXXXX. Then my account was sold to some scam bank called Comenity. Right when the takeover was happening I made a {$5300.00} charge for auto repair. This XXXX XXXX is charging me TWICE for {$5300.00}, charging me interest also. I have tried calling multiple times and after about a half hour holding, the call disconnects saying that the number doesn't exist??? I have tried to write them to no avail. I can not believe what is happening and I hope I have some recourse. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written Waypoint 2 disputes so far, and I've received nothing in the mail from them at all, no response! This is outrageous! They are reporting to MY CREDIT and they haven't sent me anything at all! This is a violation of the FCRA! Their non response is also a violation of the FCRA! They have reported a disputed debt, a violation of the FDCPA! They are flagrantly violating the law, and they have sent me none of the documentation they are required by law to send to me! PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 called Transunion many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. Transunion 's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted Transunion to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from Transunion my bankruptcy case number, also. I am very frustrated with Transunion, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my Transunion credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, XXXX XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX TRANSUNION XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Keynote Consulting, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i received a call from some Keynote consulting ( XXXX ) few days. they were talking about some debt of XXXX XXXX or XXXX who seems to be in XXXX XXXX IL and i have seen this doctor in XX/XX/XXXX, what? Since XXXX XX/XX/XXXX on wards I am living in XXXX XXXX XXXX. 
Yes I had lived in XXXX XXXX during XX/XX/XXXX to XX/XX/XXXX in XXXX XXXXXXXX XXXX and there is a possibility of myself seeing this doctor. But i don't remember something so far back. 
Today they ( Keynote consulting from XXXX ) called me back once again. They are very rude people and constantly threat that they will XXXX up my credit report. They were telling me that they had sent the bill to my old address XXXX XXXX XXXX XXXX XXXX XXXX XXXX but i don't live there since XX/XX/XXXX. When i requested them to send the bill to my current address they were not ready. Later when i called back again, they gave me hard time. Later supervisor told me that she will send it to me but credit agencies will be updated also. When i asked for details - the date of service seems to be totally wrong. I had insurance at that time and i have no idea why insurance should not be covering it? Moreover if insurance is not covering something, the doctor 's office should simply tell the patient and let the patient decide what they want to do?

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 2023-04-18
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I opened an account with truist bank on XX/XX/XXXX I was told my irs refund check that was being mailed would be available next day once deposited. On XX/XX/XXXX I Deposited my IRS Government refund tax check and I was told my account was not valid.. I tried to deposit it with XXXX  XXXX  ( online bank ) and was told truist had already ran the check through their institution by XXXX  XXXX. The check went bank to be deposited into truist and was accepted after further explaining on XX/XX/XXXX XXXX was told check would be put on hold for XXXX business day by Branch manager XXXX XXXX XXXX XXXX I was also told I would be able to open an account and have my funds available next day which was not the case. After check was put on hold then released into my account on XX/XX/XXXX the fraud department of Truist bank blocked my account and closed my account with no explanation. When I called the bank and asked for clarity they referred me to the fraud department which asked for several documents which I provided same day, upon receiving documents they advised they would need more documents to release funds including my official tax transcripts. They have cashed the check, which I can see the funds available in my account but have been blocked by the institution. I also went in the office later during the week and talked to another Branch Manager of XXXX XXXX who advised my funds would be realeased after he scanned the documents to the department of fraud. They are now asking for more documents to prove with no explanation or time frame of when I will be able to access my account. The customer service reps have been rude and have not helped at all. I would love some help on getting this resolved as soon as possible. My family is homeless and need these funds to move into our department.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account name : XXXX XXXX # 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 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 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I submitted a claim to Bank of America for 4 fraudulent transactions in the amounts of {$440.00}, {$440.00}, {$440.00}, and {$83.00} totaling {$1400.00}. I received a Temporary Credit Adjustment on XX/XX/XXXX for {$440.00} and {$83.00} ( totaling {$530.00} ). I received a letter stating that my claim was accepted and closed and the amount was paid in full. I never received the additional {$890.00}. 
I have since called 3 times to have this resolved. Each time I have been told that my claim is being escalated and I will receive my funds or a call or email within 24-48 hours. I have never received a phone call, email or any correspondence back regarding this claim from Bank of America, other than the first letter stating my claim was accepted, paid, and claim was closed. Today when calling again, I was told I now have to call back tomorrow to a different department and speak to someone there. 
It is now almost 5 months after I have originally submitted the claim and Bank of America still has not released the funds to me, when the claim has been accepted and is a valid claim. I have been negatively financially impacted by 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 monetary relief
Consumer complaint received 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have XXXX XXXX Security Freeze that has been in place since XX/XX/XXXX. There have been two fraudulent bank accounts opened with my identity through Bank Of America, first on XX/XX/XXXX, and now again on XX/XX/XXXX. Bank of America has closed both accounts, but since I have everything frozen and can't seem to prevent it, I can't rule out this being fraud committed by Bank of America.

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 2023-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
its daily for the past XXXX to 3 years at least XXXX to XXXX calls a day with Portfolio recovery Different phone numbers different parts of the country. They called me from the gym. Call me from a XXXX number different phone numbers different parts of the country. They called me from the gym. Call me from a XXXX number your data. 

sometimes they call the middle of the night sometimes they call early in the morning

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Collection Services stating that I owe {$200.00}. I responded with a certified debt validation letter. I didnt receive a letter so I called the company on XX/XX/XXXX and spoke with XXXX and she stated didnt see me request to validate debt. I recently received a health insurance claim form on XX/XX/XXXX that was dated for XX/XX/XXXX. The information does not validate the debt or show that Credit Collection Services has the right to collect this debt. However on XX/XX/XXXX I received notice that this collection was placed on my credit. I called the company and spoke with XXXX XXXX and asked her to remove the collection as we attempt to validate the date. She declined and said that it was notated as disputed and she had the right to report it. I told that was unfair practices due to the debt has not been validated and it was done with negligent intent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried multiple times to email and contact Gemini with no response at all, they have have my money and I have no way to access it due to them not verifying my account t

Company response to consumer: Closed with explanation