BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit card from XXXX XXXX XXXX was mailed to my home. I never requested or opened an account from XXXX so I contacted # XXXX, found out card was open in XX/XX/2022 and all purchases were made one line without the card. I have reported the issue with them and closed the account also reported it as fraud. Please advise if there is anything else I should do. They have charged XXXX. I do not want to be held responsible for something that is not mine

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 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention a matter of grave concern related to my recent investigation of my credit report. The findings of this investigation have not only caused me severe distress but have also revealed multiple unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with utmost accuracy. 

As stipulated by the Fair Credit Reporting Act, it is imperative that every detail on my credit report is reported with complete precision. This requirement is underlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly outline the necessity for accounts to be reported with absolute accuracy. Regrettably, the credit reporting agencies involved in this matter have stated that these accounts are, indeed, in violation of the aforementioned regulations by not being reported with 100 % accuracy. 

This situation has not only adversely affected my financial standing but has also had a significant impact on my emotional well-being. I am writing to request a thorough investigation into these inaccuracies and violations of federal law, as well as immediate corrective action to rectify my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Recently attempted to get a vehicle for my business and found out my credit was an issue. 
Upon pulling my credit to review it, I noticed issues with the amount of addresses on my report that do not belong to me. Possibly ID theft or mixed up with someone elses information. 
I sent a letter to have the information removed from my credit report. 
I received a letter from XXXX XXXX whom I placed a freeze on to prevent my information from being misused and are now saying they are investigating my information. 
I didn't ask XXXX XXXX to investigate. I asked the credit reporting bureau to remove this information from my file.

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 2020-06-09
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CL Holdings LLC
State: AZ
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:
I tried so many time to contact XXXX regarding this billing XXXX/XXXX. I always took a one hour lunch and spent it days on end on hold with XXXX. I could never get anyone to come on line. The only response is automations encouraging you to wait. My simple question was how did my billing get to be so expensive, and I was suspecting there was some form of fraud. After I had finished my term for the job I decided to wait all day to talk to someone no matter what or how long it took. I was told there were movie rentals which I did not give approval for, but still no one could have a bill that large from movies. I ask the representative to send me the billings for the past months so that I could see detailed information. So finally I did get a billing with only dates and dollar amount with no explanations as to what the charges were for. I was discouraged and sad that I had to give up XXXX. Within the next few months I began checking my credit reports only to find that XXXX had written off the billing as a Charge Off. I was relieved and truthfully at my age I would probably be dead before the bill was paid. So it was written off and I believed that to be true because it was on the credit reports. I do understand collections and know that some old billings do get sold for maybe XXXX cents and a new collector like this one is trying to collect. If it is written off then I am not obligated. However if I should every win the lottery then I will pay anything I owe off in a heartbeat. I am not happy about this interruption and will be going through my old credit reports to look for the Charge Off. I think someone needs to do their homework.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have previously sent a letter directing Bank of America to stop sharing and opt out of them sharing my information with non affiliated XXXX parties. Yet they are still sharing my Private information. I never received a disclosure or an opt out notice. Per 15 USC 6801 - 6805 requirements. I never gave Bank of America permissions to share any of my private and transactional information to any non affiliated third parties! XXXX XXXX XXXX is the company that has my transactional and private information provided by Bank of America. Ive been denied access to a new bank account because of your willful ignorance, lack of care and communication. XXXX XXXX XXXX is NOT. an affiliate of Bank of America. Federal non-affiliated definition is companies not related by common ownership or control. They can be financially not financial companies. According to your privacy notice you dont share with companies such as XXXX. They are non-affiliate to your company. This is a direct violation of my right to privacy, Violation of private policy and the terms and conditions. So unless youd rather settle this matter in court while I seek actual damages Id suggest you remove my information immediately and pay to my account {$1000.00} per violation of every MONTH you have shared my transactions and private non-public information! This complaint is my official invoice to you. 
The total of monthly reporting transactions as of : XX/XX/2023 is XXXX. 
XXXX monthly reportings is a total of {$33000.00}. 
The balance can be sent immediately via wire to Routing : XXXX Account : XXXX If you choose to willfully ignore my requests again this is my official notice of my intent to sue and I will seek damages for every single time you have violated and reported my information to this company up until now.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was out of the country unable to cross the closed Covid XXXX border I was very sick with XXXX! my WELLS Fargo account was over drawn by maybe max {$200.00}. They closed my account despite me telling them I was forwarding money. Upon receipt of my money they returned it closed account I called and explained my situation and told then I would deposit money asap. They closed it without reason cause. They call me on A computer call many times a week to collect the overdraft. I told the phone callers I had and did send a letter asking them to reconsider their cruel actions but no response. They were ruthless! I like Wells Fargo and believe it was actions by a over XXXX  collections department. I want my account back

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 2023-10-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IMPROPER COLLECTIONS ON CREDIT REPORT PAYMENT HISTORY LISTED ON CREDIT REPORT UNAUTHORIZED THERE ARE SEVERAL ACCOUNTS OVER 7 YEARS OLD SOLD TO COLLECTION AGENCIES. 
INACCURATE DATES OF ACCOUNT OPEN DATES : EXPERIAN * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS INACCURATE. 
XXXX, XXXX STATED I HAVE A CHARGED OFF AMOUNT OF {$450.00}. THIS IS INACCURATE. I WOULD LIKE TO SEE BAN STATEMENTS THAT I HAVE PREVIOUSLY REQUESTED ALONG WITH SIGNED DOCUMENTS OF WITHDRAWLS AND OVERAGES ON THE ACCOUNT. I NEVER RECEIVED THIS INFORMATION AFTER DISPUTING THIS ON THE EXPERIAN APPROX. 2 YEARS AGO. I HAVE ALSO TRIED GOING TO THE BRANCH AND FOUND THAT IT HAS BEEN CLOSED. I NEED SIGNED DOCUMENTS PLEASE BECAUSE IDENTIFICATION IS NOT ALWAYS REQUIRED INSIDE OF YOUR ESTABLISHMENTS. ALSO MY EXPERIAN REPORT STATES THAT THERE IS NO DATA AVAILABLE FOR XX/XX/XXXX UNDER MY PAYMENT HISTORY. PROVIDING ALL OTHER MONTHS BEFORE AND AFTER XX/XX/XXXX IS AVAILABLE ABOUT THE ALLEDGED DEBT I OWE. 
XXXX XXXX XXXX  CREDIT CARD ACCOUNT REPORTS MY CREDIT LIMIT WAS {$230.00} WITH A BALANCE OF $ XXXX IS INACCURATE. MY CREDIT LIMIT REPORTED BY XXXX XXXX IS INACCURATE AND SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX REPORTS ON MY EXPERIAN REPORT THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER MY PAYMENT HISTORY REFLECTS PAYMENTS RECEIVED IN XXXX XXXX AS WELL AS XX/XX/XXXX THIS INFORMATION IS NOT ACCURATE AND GIVES CONFUSING INFORMATION ON THE PAYMENT HISTORY AND IS INACCURATE. THIS INACCURATE REPORT SHOULD BE REMOVED FROM MY REPORT AS WELL. 
XXXX XXXX STATES THAT THE ACCOUNT HAS BEEN CLOSED AT CREDIT GRANTOR 'S REQUEST AND THIS IS INACCURATE. I CURRENTLY HAVE A OPEN ACCOUNT WITH A {$200.00} CREDIT LIMIT AVAILABLE AS OF XXXX XXXX PER XXXX WEBSITE. THIS INFORMATION ABOUT ACCOUNT BEING CLOSED REFLECTES NEGATIVELY ON ME AND SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
*

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 2022-11-20
Company: Experian Information Solutions 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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

As well as XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Have violated  my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

15USC 1681 Section 602 states I have the right to privacy.

15USC 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 explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. Child support is reported with 3 late payments which is impossible as it is taken right out of my check. The child support is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. Child support should be effecting my credit bureau like it is. I trust u understand. 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 non-monetary relief
Consumer complaint received 2019-06-11
Company: Finance of America Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I respectfully submitted complaint no. XXXX. The lender stated that will not furnish any other information claiming i was not authorize on the account. Attached please see court Order. The Court order reflects i am the legal representative to the Deed and therefore have every authority vested in me by a Circuit Judge to challenge the foreclosure action. Also see Lis Pendens where i am named party to the lawsuit and have every right under Florida Statute 673.3081 ( 1 ) to challenge the note and its endorsements. Upon receipt of the Qualified Written Request, the lender responded and stated that XXXX XXXX was a former employee of FAR. We will like to know who is FAR and what is the relevance between FAR and Urban Financial Group Inc? Can you provide power of attorney authorizing XXXX XXXX to have executed the endorsement for Urban Financial Group Inc, since her name is not listed on XXXX. In fact the names of every officer will appear on Floridas site.  The reason we made the inquiry is because XXXX XXXX is not found in any documents pertaining to Urban Financial Group Inc. We believe XXXX XXXX does not even exist and is the reason the lender does not want to comply. It appears on its face that the lender have engaged in Floridas Deceptive Business Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Innovis
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, cbc innovis, XXXX XXXX and XXXX on my XXXX and XXXX   delete, no written signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am the confirmed successor in interest. The servicer said they can not issue escrow overage in my name. I ask them to apply it to the principle. I got a message that a change occured. But no payment was applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2021 XXXX attempted to collect an authorized debt by placing it on my credit report. It was contested and successfully removed. Experian however only removed it from their main Experian Report. They did not remove it from a subset report called " Experian Rent Bureau. '' A report in which most people will know nothing about or assume that its based off the main Experian report. 

Not knowing this report exists I was denied an application for a lease because of the collection. 

This caused me to lose my application fee and also caused great personal embarrassment. 

As Experian Rent Bureau is effectively part of Experian, then their 30 day window to remove the item effectively ended months ago.

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 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to bring to your attention a distressing incident that transpired during my recent visit to one of Bank of America branches on XX/XX/XXXX @ XXXX EST. I attempted to withdraw funds in the amount of {$1000.00} from my XXXX XXXX XXXX XXXX # XXXX from the ATM located at XXXX XXXX XXXX, XXXX XXXX XXXX. Unfortunately, despite completing the transaction, the machine did not dispense the requested amount of cash. So, I immediately went into the branch and advised the tellers, including the BANK OF AMERICA greeter, which informed me that the transaction is JUST PENDING and should fall off before posting, and/or settling. So, I called XXXX XXXX while I was at the branch and the representative advised me that the transaction was approved for BANK OF AMERICA. 
To compound the issue, my XXXX XXXX XXXX account was still debited for the amount of {$1000.00} plus the {$3.00} ATM FEE ; I attempted to withdraw. This situation has caused considerable inconvenience and financial strain and Bank of America is NOT WANTING TO REFUND ME MY MONEY. XXXX XXXX provided proof it posted and was approved and told me to take to that branch to get refunded, but there was no luck. I trusted in Bank of America 's commitment to providing reliable and secure services, and this incident has eroded that trust. Bank of AmericaXXXX XXXX me as if I was not holding any Integrity, when they knew their ATM was having issues. Granting, other consumers that used the ATM right after me, had issues as well. I left a review on their webpage, which has since been removed. Again, I have already contacted Bank of AmericaXXXX and XXXX a complaint, but as of today, XX/XX/XXXX, there has been no resolution or reimbursement of the deducted funds. XXXX XXXX XXXX website shows where other consumers are complaining about having the same issues with Bank of American XXXX. This should not be pushed under the rug during economic hard times. Thanks

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 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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