BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act under 15 USC 1681, everything has to be 100 % accurate on my credit report. I specifically asked the XXXX, TransUnion, and XXXX to " investigate '' these accounts to make sure EVERYTHING is 100 % accurate. Account : XXXX  XXXX AND XXXX XXXX They responded and said everything is 100 % accurate. THEY ARE COMPLETE LIARS. I have downloaded my most recent credit report and there are several inaccuracies, which means they didn't do a proper investigation as required per the FCRA. The high balance, date of last activity, date opened, are all reporting different numbers. How are they all reporting differently if they are getting their information from the same source!!!!!!

Also the companies have violated my rights several times under 15 USC 1681. According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXXXXXX XXXX XXXX Balance : {$93.00} ; XXXX XXXX XXXX  Balance : {$3000.00} ; XXXX XXXX XXXX  Balance : {$190.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.

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 2023-07-05
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-11-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
There are items on my credit report fraudulently that is harmful to my full faith in credit, There are no liens against any variation of my name in the state of New York and I have it certified. So how then are these imposters allowed to report fraud against my name for other corporations to make determination thats is violations of 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 2018-10-24
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on XX/XX/2017. I am not sure how this has happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Requested for all addresses to be deleted off 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 2023-01-11
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 we were notified of fraudulent activity with our savings account. An unauthorized individual set up an online banking profile and withdrew {$2500.00} in funds via a XXXX account set up in my name through the use of my stolen Social Security number. We froze and changed the account. The next week the same individual hacked our checking and charged {$1000.00} to XXXX and {$20.00} to XXXX. We closed and froze the checking account. As well as an account in our sons name. 

We have frozen our credit reports on XX/XX/XXXX but learned that on XX/XX/XXXX XXXX soft inquiries were made by XXXX and XXXX XXXX. Both banking institutions have sent me letters telling me of rejected attempts to set up credit in my name due to insufficient identification. 

Please apprehend this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Contacted Bank of America ( BofA ) on XX/XX/2019 and requested a copy of all my XXXX activity since its inception in XXXX, or whenever it was first introduced to customers. What I am looking for is a breakdown of transactions that were canceled, marked as paid, or expired. The representative told me, Ill get the information in 7-10 days. I received an email from BofA on XX/XX/2019 informing me the case was closed because they were unable to complete the request. I called BofA to follow up on the email on XX/XX/2019 and was informed by the rep that it was closed because the case was handled in the wrong department. The rep from XX/XX/2019 informed me she would submit two new requests and I should have the information in a few days. On XX/XX/2019, received a letter from BofA informing me one of the requests was closed and the information requested can be found on my monthly statements online after I explicitly told all the reps I spoke with that the statements do not provide me the details I am looking for. I called BofA for a third time on XX/XX/2019to follow up on the letter received and was told by a supervisor that I needed to contact XXXX to get the information. I called XXXX and was informed that BofA is incorrect and they should be providing me with the information. The XXXX rep conferenced in BofA and informed them that they are to provide me with the information. On XX/XX/2019, I spent 2 hours on the phone with BofA being transferred to different departments and still no one is willing to provide the information I am asking for. On the last transfer, I spoke with another supervisor named XXXX, who in my opinion was rude and not helpful. Ive explained to everyone Ive spoken with that BofA transfer and request activity on their website will only allow me to view the last 6 months of activity. XXXX informed me he could not provide what I was looking for and needed to go a branch. I informed him that was unacceptable as I have made multiple calls since XX/XX/2019 and no one ever advised me to go to the branch. He attempted to try to transfer me for 5th time and I declined. Informed XXXX that I would like to make a complaint to the CEO or higher up executive and he provided me with XXXX XXXX email address. After review of the BofA website, it appears the Chief Client Care Executive name is XXXX XXXX and not XXXX. 
Financial institutions are required to keep records for a minimum of 7 years, and it should be this difficult to get the information I am looking for.

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 2022-11-24
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 am submitting this 12th CFPB Complaint to you today to request once more to remove the disputed accounts that resulted due to identity theft. Despite my multiple attempts to correct my Credit Report, you have been persistent in ignoring my requests. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and information. Someone has stolen my identity and opened these accounts without my knowledge. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in my previous complaints as well as in this Complaint. Please remove the items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts that you should have removed : 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 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. You have also been failing to send me copies of proof of verification from your supposed investigation and yet I received nothing. I doubt if you ever really conducted any investigation at all. Under the Fair Credit Reporting Act section 605b, I need you to remove the disputed fraud information from my Credit 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 2023-06-06
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-06-13
Company: Experian Information Solutions Inc.
State: IA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-09-17
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of this year I refinanced my mortgage. For a few days in XXXX the mortgage was held by Specialized Loan Servicing- and then it was sold to another institution. The problem Im having is that Specialized Loan Servicing has STILL not cleared the balance with the credit reporting agencies, even though the loan was paid in full well over 60 days ago.I called them XX/XX/XXXX, they told me it would be taken care of by XX/XX/XXXX. It wasnt. Now they are telling me XX/XX/XXXX. My credit score keeps going down, because it looks like Im suddenly carrying double the mortgage debt.They should not be able to report money that I do not owe, and never owed them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: WELLS FARGO & COMPANY
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/2022, I reported an unauthorized online XXXX  scam transaction via XXXX that was fraud to my bank Wells Fargo for {$200.00}. I reported that the transaction was fraudulent and sent the emails with evidence. I file complaints with the company XXXX and XXXX, which I use for identity thief protection. Both told me to contact my bank Wells Fargo which I did ; the first claim number was XXXX. 

I then got a letter regarding the claim from Wells Fargo that I approved the transfer, which I reported as fraudulent, which I did not. Stating that they could trace where the money had got and that it was my problem and fault. They would try to contact the transfer institution and get my money back, but they would not be providing any further services and closing the claim. 

I then filed two other claims, # XXXX and # XXXX. Stating that I did not approve the transaction and that fraud had occurred, I faxed and provided them with all the documentation and still got the same results back. Only with a response with different wording, but still stating that I am at fault even though I was the victim of fraud. 

I then escalated my claim to the next level and filed a case for the small business resolution team on XX/XX/XXXX and got the same response back that I got from the other claims, just using different words on XX/XX/XXXX. I feel that no one has taken the time to look at my claim or has been honest about their policies with third-party providers such as XXXX. This is why I am not filling this complaint. 

The case number for that submission on XX/XX/XXXX is 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 2023-06-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/23 I used XXXX to send my brother XXXX XXXX {$1000.00}. It turns out i sent it to the wrong phone number XXXX ( instead of the correct number XXXX ). The recepient 's name of the wrong phone number is NOT XXXX XXXX so it should have never gone through. I immediately called Wells Fargo and they put in a claim and never got back to me. I also requested {$1000.00} from the incorrect number through XXXX, but they ignored it. When I called the bank again today, they said there was nothing they can do becaude the funds are no longer in that person 's account. They suggested I file for civil court but it is otherwise not their problem.

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 2023-02-22
Company: Atlanticus Services Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a new credit card holder with Fortiva, a high interest credit card company. I had 2 payments that were a couple of days past the due date. I never rec 'd a past due notice because I quickly corrected this issue so my account never even went 30 days past due. I recently made a large payment to the company and noticed that while my credit limit was the same as when I opened the card but my available credit was XXXX. I called Fortiva and was informed my account had been closed because of 2 late payments. I have been trying to rebuild my credit and these high interest cards are the only ones available. I was given no warnings nor was I informed that my account had been closed. When I log in, the account still shows active ( picture attached ). I believe this is a very unethical credit card company. As previously mentioned, I NEVER had a 30 day late payment and now my credit report will show an account closed. I hope you investigate them and take action so others like myself won't be tricked into accepting offers,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson Capital Systems LLC, Keeps Falsely Reporting To XXXX, XXXX, And XXXX Credit bureaus, XXXX XXXX Account Was Opened in XXXX Not XXXX Jefferson Capital System Is Highly Impacting My Credit And My life Negatively. They Also Keep False Last Reporting To Present Time When I have Never ever Spoken To Them Or Set Any Arrangement With Them. I Have Made Disputes With The Three Credit Bureaus, Only XXXX Has Taken Action And Removed The Collection Off My XXXX Credit Account, XXXX And XXXX Has Not Taken Action Yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} 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 2022-10-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief