BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir or Madam, I am reaching out to contest the presence of a credit account linked to XXXX  XXXX XXXX ACCOUNT # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ).

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities such as acquiring a new vehicle, securing a loan, or purchasing a home. 

I greatly appreciate your prompt attention to this matter and kindly ask for regular updates regarding the progress of your investigation. 

Sincerely, 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On the date XX/XX/2023, TransUnion told me they received my information and my dispute letter, but it led to a non-investigation because they accuse me of using a credit repair company. I have been ridiculed for too long from Transunion for months and I am getting XXXX at this point. My right as a consumer is being violated and how is it within my rights to fight back when I get the same issue? 


Please be helpful

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX submitting this complaint against Transunion and there is no third party involved. Transunion is reporting inaccurate items on my credit file and I am attaching exhibits showing the inaccuracies for you to open.

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 2023-12-05
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I reached out to Ally financial a few weeks ago requesting I would like to extend my lease and the rep said the option is available once I make my last payment, So I made my last payment a littler sooner so I can extend the lease. However when it came to extending the rep said it's not an option. So now I am stuck I planned on keeping the vehicle and not have to look for another car now I am in limbo I have to rush to get a new car

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 2022-05-13
Company: U.S. BANCORP
State: AZ
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/XXXX I disputed XXXX charges from XXXX XXXX because I did not receive any services for which I paid for. 

On XX/XX/XXXX US Bank issued XXXX provisional credits : {$470.00} XXXX {$570.00} XXXX {$360.00} XXXX On XX/XX/XXXX without prior notice being received all XXXX provisional credits were reversed causing my account to be NEGATIVE. 

US Bank in letter ( XXXX ) received on XX/XX/2022 claim that the documents and forms they requested by XX/XX/XXXX had not been received. 

This is UNTRUE the documents were sent via XXXX and a copy of the XXXX receipt showing XXXX pages were received and date stamped on XX/XX/2022. 

Since XX/XX/2022 my account is in the negative and has crippled my business and I can not get anyone at Cardmember services to call me back. Everytime I call I get a different answer as of today I was told it may take 10 days for a case worker to review my claims again and get back in touch.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
the following accounts were opened in my name XXXX XXXX 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 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Accounts that do not belong to me are being reported on my credit. I did not give anyone permission to open these accounts in my name. I have called Transunion and told them in the past that these are not mine & I have no knowledge who opened them for XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. There is also 2 address listed that do not belong to me XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Wy XXXX XXXX, IN XXXX. My name is XXXX. XXXX & they are also showing that wrong as XXXX XXXX XXXX XXXX, and XXXX, XXXX, XXXX. There are inquires for things I never applied for XXXX, XXXX XXXX, XXXX XXXX. I have filed and also provided a police report as well as identity theft 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 2019-03-19
Company: ID Analytics, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX was given notice via an affidavit to update my personal information. XXXX has choosen to sent me a returning letter on XX/XX/2019, received XX/XX/2019 stating that they would not complete this request. My dispute was very clear and factual. 

This is a violation of the FCRA for XXXX to refuse to investigate inaccurate information on my credit report. 

The affidavit that was sent was a numbered list of points that must be addressed. From the date it was recieved, XXXX still has 30 days to correct or response with an affidavit of their own or XXXX will be in default. 

As a consumer, I will pursue XXXX in Court if it chooses to violate my rights.

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 2018-04-12
Company: EQUIFAX, 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 had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " XXXX XXXX XXXX  '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX  but was denied. Then the collection calls from XXXX started

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had my mortgage for 15 years. It was sold to this company. They have increased my late fee from {$10.00} to {$27.00}. They sent me a copy of my contract with out any initials or signatures on the pages that reference the late fee with a late fee of {$18.00}. I have requested all the loan documents since the ones that were sent to me appear altered and I am positive of what my late payment fee was. In the history of the account the gave me there were 2 late fees with the prior servicer for {$10.00}. I have tried to get this corrected to no avail. It appears as if someone has doctored my paperwork. The first representative I spoke with said the late fee was {$27.00}, I think he said it was a 5 % late fee and that he had my initials on a contract beside it. The next representative that I spoke with said that my late fee was {$18.00}. I know that my late fee was {$10.00} but I do not have my original contract.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-06-09
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I accidentally paid $ XXXX XXXX {$150.00}, on Cashapp. It was an accident, as I meant to pay XXXX XXXX at $ XXXX. I immediately requested a refund, to which I have not received, even with repeated requests! I emailed customer service, and was told there is nothing they can do! I want to know who I sent my money to, did they actually receive it, or did the app keep it ; something that I can use to pursue legal action against. They say I just lost my money because I did not send it to the right person, period! 

PENDING TRANSACTIONS XXXX XXXX - XX/XX/XXXX For Refund Yesterday + {$150.00} XXXX XXXX - XX/XX/XXXX For $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Sunday + {$150.00} XXXX XXXX - XX/XX/XXXX For You know what! 
Sunday + {$150.00} XXXX XXXX - XX/XX/XXXX For Refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For Refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For Still waiting for refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For ... until they file with the XXXX. 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For The XXXX wants me to keep requesting my refund ... 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For Theft report filed. Call XXXX XXXX. 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund! Police report has been filed! 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Thursday + {$150.00} ORIGINAL TRANSACTION - XX/XX/XXXX XXXX XXXX Refund Requested Wednesday {$150.00} ORIGINAL TRANSACTION - XX/XX/XXXX XXXX XXXX Paid/Completed Wednesday {$150.00} COMPLETED - The correct XXXX XXXX - $ XXXX - XX/XX/XXXX XXXX XXXX Replied Saturday {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I opened a Bank of America, XXXX XXXX XXXX XXXX Visa in XXXX. I used this CC until XXXX. At that point I closed my business as well as the CC. In XXXX of XXXX, I received a collections call from the company. They stated that my annual fee was charged and unpaid. I explained that I had closed the CC and asked that the fee be waived and that the account marked closed. I explained that I had not used my CC for a year and that I was no longer at my old office address. I updated my address at that time over the telephone and confirmed with the representative that the account would be closed and the annual fee was waived. 

In XXXX of XXXX, I was purchasing a home. My mortgage company found that Bank of America was reporting a past due amount of {$90.00} and that I was unable to finalize the mortgage until I paid this amount. 

I called Bank of America and asked them how it was possible that I had a balance when this account was closed. I also asked them why I did not receive any billing statements. The rep told me that no one closed the account in XXXX and that the bills we sent to my old office address. 

I explained that I moved in XXXX, that I closed the card and that I updated my address in XXXX and again in XXXX. I was told that the fees would be refunded and that the account was already closed due to delinquency. I was further told by the rep that they were unable to process the refund for over 72 hours. As my bank needed the all clear documents that day. I paid the fee and sent proof to my mortgage company. 

Currently, there is a balance of XXXX on the credit card. I also found out that Bank of America is reporting that I am past 90 days delinquent on the account to the credit score agencies. 

I have called three times to ask for a refund check and that the delinquency be removed from my Credit Report. Bank of America tells me that a manager will call me back and I have never received a call back. 

They are illegibly holding my money and refusing to correct my 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 monetary relief
Consumer complaint received 2019-08-23
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-05-28
Company: EQUIFAX, 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:
Ive been a victim of identity theft.. Ive sent in numerous FTC reports and 605b to Equifax XXXX  & XXXX  XXXX XXXX has blocked/deleted all fraudulent information from my account. For some reason Equifax and XXXX  says its been verified. Per fcra only true and accurate information should be reporting to my account. Per fcra 605b information should be blocked from my report with 4 days. But XXXX  and Equifax are ignoring the rules/ laws of fcra. It seems as if I will have to consult legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2021-09-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The ARS Account Resolution that is listed on my report is inaccurate. There is no address and I have never heard of the company much less ever had an attempt to contact. There is no address or phone number for them either.

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 2023-09-20
Company: Elevate Recoveries, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This date was disputed and removed from my credit report when it was held by XXXX XXXX XXXX. And then they sold the debt after removing it from my credit report. To elevate LLC

Company response to consumer: Closed with explanation