BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-13
Company: DISCOVER BANK
State: MO
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 noticed that Discover was listed on my credit report but I did not authorize them to pull my credit that I recall. So, in XX/XX/2022, I requested the application to be sent to me. 

On XX/XX/2022, Discover responded by saying that the inquiry was the result of a fraudulent application and that it would be removed at once. 

Under the ECOA 12 CFR 1002.12 ( b ), records must be maintained for at least 25 months from the date of inquiry and Discover either removed this record, or destroyed the application. 

I was denied the opportunity to take this matter beyond a simple request because I have no idea what this means. So I followed up with the CEO on XX/XX/2022 seeking relief and I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
After disputing inaccurate information with Experian Credit Bureau Agency and providing supporting documentation. They have failed to remove information from my credit report.This is affecting me getting employment in this time in XXXX where inflation is high. According to the FCRA Act, EXPERIAN is in violation of the law. I have provided them with supporting details use laws supporting my dispute that are in FCRA Act. I ask they delete this information 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 explanation
Consumer complaint received 2023-05-11
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX i summited a dispute it began on XX/XX/XXXX was completed XX/XX/XXXX which is unheard of for a proper investigation to take place in less then 5 days which shows Im not receiving a proper investigation on the fraudulent charge off with incorrect information being report as i pointed out and requested it all be deleted immediately because my credit file is inaccurate and not 100 % accurate. Experian just updated the inaccute charge off thats reporting wrong invalid information on me even after my documents reports and letters sent in.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any goods identified on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate noncompliance. 
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 2017-11-17
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have set up auto pay on my Bank of America credit cards. My payments have not gone through several times. I have called Bank of America several times and have been told : setting up auto pay through the app doesnt work ( I then set them up on the website ) set up payment notification by email ( sometimes I get them, sometimes I dont ). I will get instead an email that my account is past due. I have set up auto pay four times on both my credit card accounts. In the meantime Bank of America is charging me late fees.

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 2022-05-27
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:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

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 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 2023-08-08
Company: KEYCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was granted Guardianship of my father XXXX XXXX XXXX. I took the paperwork to the bank 2 times and they are not obeying the court orders. They are not giving me access to his bank account to pay his bills. 

KeyBank is also in violation of federal law that states government benefits such as checks from the Department of Veterans Affairs and Social Security is only suppose to benefit the person that the check is made out to. 

At this time my father benefit checks is only benefiting KeyBank. They are making profits off my father Department of Veterans Affairs checks by making loans and mortgages and not allowing me to pay my father debts.

Department of Veterans affairs and Social Security is the only two agencies that was funding my father checking and saving accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my XXXX credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my Transunion decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with XXXX, XXXX, and Transunion. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both XXXX and XXXX  have refused to remove this negative item from XX/XX/XXXX 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 explanation
Consumer complaint received 2022-11-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX I found out that I was a victim of identity theft someone had take a personal loan of XXXX at a bank called XXXX XXXX via Synchrony bank on XX/XX/XXXX and the made a transaction of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I went through the proper channels at identity theft. Gov I've frozen my XXXX number I've reached of to the bank and all they were able to tell me was someone used my first or last name and changed it and used my SSO number and added their self as the second card holder and a different address but the flaged the account but now the loan is on my credit report I am asking the this matter be looked into I XXXX this information about the loan at XXXX XXXX XXXX the bank number XXXX ( XXXX ) XXXX I've been working on rebuilding my credit but I never made this transaction and it completely fraud thank you for time with this matter

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00}

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 2023-08-07
Company: Castle Peak Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had applied for a VA Home Loan through Castle Peak Mortgage and after finding a better loan, requested that Castle Peak Mortgage ( former lender ) transfer the appraisal request of my new property to my current lender XXXX XXXX Upon the request Castle Peak insisted I pay for the appraisal before initialing the transfer. Castle Peak had not prepaid for the appraisal and it it not required that the appraisal be paid for before transferring. I was informed this was a company policy. 

I would like to point out that in accordance with Lenders Handbook VA Pamphlet 26-7, Revised Chapter 10 : Appraisal Process, Request from the Veteran to Change Lenders, Lender Responsibilities states : Lenders are expected to cooperate when a Veteran decides to change lenders. The lender who ordered the appraisal must transfer the case to the new lender when requested by the Veteran in writing ( including email ). An appraisal report and case number XXXX be transferred to another XXXX lender in XXXX XXXX XXXX XXXX of the original lender. The new lender should provide to the Veteran, their email address, phone number, and VA Lender ID number to be included in the Veterans letter to the original lender.

To my knowledge Castle Peak has not responded to my request to transfer the appraisal. Additionally their refusal to cooperate with me XXXX extend my closing date and place my home purchase and jeopardize my current loan rate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: MI
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 refuse to conduct a proper investigation from my dispute, and delete account reporting by email XXXX 

The following are the reason ( s ) why XXXX should be deleted from reporting with XXXX : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted. 

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Eagle Accounts Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying my child support faithfully every month, but my child 's mother has moved to another state and there was a miscommunication between the State of XXXX and the State of XXXX   that I have not been able to resolve. I have now been sent to collections for child support that I have paid. I have included a payment letter from the State of XXXX from XXXX, XXXX to XXXX, XXXX that proves that I have been paying over {$2000.00} a month in child support. 

XXXX ; XXXX  and XXXX are also reporting this item 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