BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 2 months and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}.

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 2021-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested dispute to XXXX XXXX Experian due to unknown account/erroneous item listed on my credit report as XXXX XXXX original creditor is XXXX XXXX XXXX XXXX in the amount of {$5300.00}. 

XXXX and XXXX did remove the erroneous item and Experian did not. I sent again a dispute notice to Experian two additional times. They never responded back. I called on XX/XX/XXXXXXXX to request method of verification and detailed information on how they reached their initial verified results. I was told it would be sent. I received a generic email of Experian dispute process XX/XX/XXXXXXXX  at XXXX ( attached ). 

I called back again XX/XX/XXXX and spoke with XXXX in the fraud department at XXXX and told to him these exact words. " Please provide me with all of the information you used for your investigation as required by FCRA 611 ( a ) ( 7 ) regarding XXXX XXXX or have the item removed. 

XXXX stated he can not send furnish information used for their investigation to a consumer. I did inform XXXX by law he can so and if can not assist to please send me to a supervisor. XXXX with Experian has refused me the law under statute FCRA 611 ( a ) ( 7 ) and refused me his supervisor XXXX. 

XXXX did confirm these were the dispute dates received : XX/XX/XXXX resolution was XX/XX/XXXX. 
XX/XX/XXXX resolution was XX/XX/XXXX. 

Since he could not furnish the information used in the investigation I did advise him to write it down as a dispute because I wanted it noted. 

I then called back again XX/XX/XXXX at XXXX to request a supervisor where I was placed on a 30 minute hold and disconnected.

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 2021-05-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Servicer, Freedom Mortgage Corporation, approached Borrower and refinanced FHA loan with intent to entrap Borrower into loan with permanent mortgage insurance premium. Property, at time of refinance in 2016, had a value that would have allowed for conventional refinance without mortgage insurance as result of loan to value ( LTV ) being below the threshold for loans that require mortgage insurance. Freedom Mortgage did not properly perform an appraisal on property during refinance because it was in their interest to lock and maintain loans with mortgage insurance.

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 2023-04-27
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
I pulled my credit report to make sure everything was correct. When viewing all XXXX reports from XXXX, XXXX, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all XXXX bureaus. I sent a letter informing GM Financial informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for GM Financial to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per XXXX XXXX. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER XXXX. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

25. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA Sent me a letter on XX/XX/XXXX when I was out of the country stating they were closing my accounts ( all of them ) with no reason or no ability to appeal. I have been a 15 year customer with no change in behavior and over XXXX on deposit at all times. 

They refuse to disclose why or allow an appeal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened up a XXXX credit card account using a promotional offer. I have spent the required {$500.00} within the three month promotional period and have yet to receive the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Affirm Holdings, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT OWE AFFIRM!!! I DO NOT CARE IF THEY TOLD YOU THAT I DO! I DO NOT!!!!! I WENT THROUGH XXXX  AFTER I WAS GOING TO GO THEOUGH AFFIRM I DECIDED XXXX  WAS THE BETTER DEAL. I CALLED XXXX  LIKE THEY SAID AND CONFIRMED THAT I RID NOT PICK UP FOR AFFIRM! XXXX  ALSO SAID THAT AFTER 3 DAYS THEY OF NOT PICKING UP THEY CANCEL THE ORDER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open 2 accounts with BB & T Bank recently. I have so many problems with my bank since I opened it. When I opened this bank, they blocked and told me to go to the bank to verify myself, which I did. I went to branch itself, take in my ids and passports in. A branch representative from the XXXX branch help me solved the issue. On Friday, I got a temporary debit card from the branch and was using it. The same weekend, I transferred {$500.00} from my XXXX bank to my bb & t checking account. This morning, my husband transfer {$100.00} from XXXX XXXX XXXX and {$100.00} and {$80.00} from XXXX XXXX to my account. I tried to used my temporary card with XXXX XXXX  to send money to a friend of {$500.00}, but it reject it and I call the fraud the department, a lady told me to try again in 5 mins. I tried to use the card again after 5 mins, it declines again. So, I went online to my bb & t checking to do a XXXX transaction. Its didnt go through. That is when I call bb & t XXXX to see what going on. The rep told me they blocked my account again and she will have transferred me. So, I call the bb & t fraud take over department. So, to a rep name XXXX from the tier 3 level rep. He told me they closed the account and that bb & t does not want to do business with me. I told him what happened. He did not want to listen to me, he was so rude, and I asked to speak to another person above him. He said there was no body. I was so mad, he also told me I will not get my own money the {$1100.00} that I deposited. And they will send me a letter in the mail to tell me what to do. I kindly asked if I am going to get my money back. He does, maybe not. Well this is where I am extremely XXXX XXXX, first of all, it my money and not bb & t bank. If I dont get my money, I will be filing a police report representative XXXX tier 3 level rep. Bb & t has giving me XXXX ever since I opened this account. No other bank has giving me this money of problem. So I need my money, I need for bb & t bank to let me withdrawal my money from the bank. I need to speak to somebody, Date : XX/XX/2020 Amount : XXXX Note : I have receive letter from the bb & t fraud management department and call the department, XXXX told me I will not get my money, because I was doing back to back XXXX transactions. But it my money, unless you have written conditions that tells me why I should not XXXX back to back. Please refund my money. I dont know why it only poor people that you will hold there money, but rich people. You give them back there money. I need my 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 2022-10-12
Company: EQUIFAX, 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from XXXX, XXXX and Experian. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2021-12-01
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Beginning in XXXX, 2021 and continuing to the present, XXXX 2021, I have been unable to withdraw my USD XXXX from Binance.US service. I have submitted multiple support tickets to their service, reached out to their social media team on XXXX and their social media team on XXXX and have been met only by canned responses and a general unwillingness to help me resolve the issue. 

Specific inquiries directly to their support system have been made by me on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 None of these have gotten even remotely close to fixing the issue. 

My issue : when I attempt to initiate a withdrawal of USD XXXX  via ACH transfer or Wire transfer from my Binance.US account, I never receive the " disbursement confirmation e-mail '' from XXXX XXXX XXXX or Binance.US despite having followed all recommended protocol to the letter and whitelisting all known e-mail addresses and aliases. The issue is solely with their service and yet they refuse to take any steps to rectify their broken system. 

Since this issue has persisted more than half a year I have to assume that this is willful negligence to defraud me and withhold my funds as any business operating in good faith would have fixed an issue as serious as this months ago. Binance.US and XXXX XXXX XXXX are currently withholding over {$5000.00} of my money and refusing to all me to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: The Bureaus, Inc.
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 contacted all XXXX credit bureaus as well as THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: U.S. BANCORP
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX had a XXXX and can no longer take care of himself. I have Power of Attorney and sent it to the the credit card company managing his business account and instructed them to close the account. Instead of doing what I instructed they kept the account open and sent me an application to be an " Authorized Representative ''. Why would I want to be a representative on an account I want to close? The Power of Attorney clearly states that I am in charge of all financial matters. I can not find all the reoccurring charges my XXXX had set up on this business account and 5 days after I faxed them my PoA and instructions to close the account a reoccurring charge was made. I faxed them my PoA again and told them what happened and that I am not paying any charges made after my original Fax and instructions. I am now getting bills in the mail with late fees and interest charges. I am the one in charge of my Fathers finances now and I did not authorize these charges, in fact, I did everything I could to prevent them. This 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 monetary relief
Consumer complaint received 2022-04-19
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX  ( Original creditor : XXXX XXXX  XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
XXXX XXXX has posted business credit information on my personal credit report. Furthermore, XXXX XXXX reports this account as charged off after entering into a repayment agreement. This account is being paid as agreed by the superceding agreement, and should not be posted as a personal debt.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear Experian, I, XXXX XXXX XXXX XXXX XXXX, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XX/XX/2017 XXXX U.S.C 1681 section 602 A. states I have the right to privacy.

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

Delete this account immediately, unless you want to be held XXXX per violation.

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 2022-10-12
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: Account information incorrect

Complaint:
A letter was sent to all 3 credit reporting agencies with an explanation of the disagreement with their investigations. 
The letter was sent on XX/XX/XXXX and it has been over 30 days. These incorrectly reporting accounts need to be deleted. They are in violation of USC law 1681 ( 2 ) ( A ) ( I ) ) USC law 1692 d It is illegal to report both income and debt on my report according to the IRS guidelines section 603. These companies have listed my account as as a charge off. And that means they filed a 1099C which is a written off income. They are committing fraud and the credit reporting agencies are doing the same by reporting this information. Income does not get reported on the credit reports. Those accounts need to be deleted.

Company response to consumer: Closed with explanation