BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Dad XXXX XXXX XXXX XXXX passed away on XXXX XXXX and I have been given Emergency Temporary Guardianship of my mom XXXX XXXX XXXX because she has XXXX since XXXX XXXX which I work to get full time Guardianship of her. I called back on XXXX at which time I report death to them and I went into a local Bank Of America as they requested to give them copies of dads death Certificate and the Certified Appointed and Letters from the court given me the right to manage the accounts my mom as sole owner including the balances of all accounts. So when I went into the Bank of America on XX/XX/2023 all they did was make copies of the documents they want from me and said someone would call me back which nobody did. 

So on either XX/XX/XXXX or XXXX I called the estate line giving them the case number XXXX. At first the person said they could give me a verbal account balance of each account, but then they changed their mind and said I had to fax request to ( XXXX ) XXXX or send request in mail. So I faxed the request to them on XX/XX/2023 at XXXX requesting the balances of all my fathers account to be emailed per the court order to my email address : XXXX. I have yet to receive this request and even when I called back on XX/XX/XXXX or XXXX they indicated no one has even looked at the documents I had giving the Bank. 

I was at XXXX XXXX on XXXX XXXX I was able to close out accounts same day and set up Guardianship account and start using right away with no delay. 

But yet Bank Of America is stonewalling on the request info that their lawyers could have reviewed and let me at least know the balances as I am required to provide this info to the court. 

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I have tried to resolve this issue with EXPERIAN, XXXX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. 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 non-monetary relief
Consumer complaint received 2021-12-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 I called Synchrony Bank, the company that manages my XXXX XXXX  account, to inquire about foreign transaction fees for am upcoming trip to XXXX. I was told the company does not charge any foreign transaction fees. I even reworded my question to the customer service agent to something along the lines of " so if I make a purchase while in XXXX I won't get charged an extra 1 % when the transaction is converted because it occurred in another country? ", and still was told that Synchrony Bank does not charge foreign transaction fees. I have multiple credit cards and only took this one with me based on this information. I was charged a 3 % foreign transaction fee for every purchase I made in XXXX, which is a much higher fee than any of my other credit cards charge. On XX/XX/2021 I again called customer service to inquire about this and was basically told " sorry, someone gave you incorrect information but we aren't doing to do anything about it ''. This company should either have to give correct information on fees or correct their mistakes afterwards. Synchrony Bank has a call log from XX/XX/2021 where you can confirm that I received incorrect information regarding foreign transaction fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I am a SSI recipent. I use my government debit card to pay bills, buy food, etc. I was to receive a payment on XX/XX/XXXX of this year and another payment today, XX/XX/23. 
I verified the money was deposited onto my government issued debit card. 

The debit card denies my accessing any money from my debit card. 
I have been calling the debit card company since XX/XX/XXXX every day with an average of wait time of 4 1/2 hours. I have not been able to talk with anyone about my lack of funds. 4 1/2 hours is a long time to wait and then not get an answer. Today is the 4th day that I have called. I have been calling since XXXX XXXX and am unable to get a anyone on the phone. I now have bills that are late, they were due today. My phone will be turned off at XXXX XXXX today. The card is called Direct Express and the bank is Comerica. 
Can you help me? 
Thanks so much, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I had a business credit card with Chase business credit. due to Covid 19 I lost my business, and all of my income, I tried to make payments throughtout the panemic, until I no longer could afford the monthly payments. Chase has been reporting this information to my personal credit report as deliquent, and account closed, with a late status of XXXX of credit card debt which belongs to my business. This has really affected my personal credit rating. I am trying to recover from the effects of covid 19 and get back on track. I have spoken to Chase as well a XXXX XXXX XXXX to try and get the problem resolved, I keep putting in disputes complaints with XXXX and nothing has changed. 

The credit card is a Chase XXXX XXXX Credit Card Credit Card XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify 3 credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-19
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX, XXXX XXXX Transunion : XXXX XXXX XXXX  XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Tronsunion : 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 2023-10-09
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

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 2023-10-09
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: Personal information incorrect

Complaint:
I need to dispute previous address that appear on my credit report there is a telephone number that also appears on my credit report XXXX XXXX XXXX does not belong to me I need to dispute 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 non-monetary relief
Consumer complaint received 2017-12-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
***PLEASE NOTE THAT NATIONSTAR/MR COOPER HAS STOLEN MY XXXX PAYMENT*** THEY WERE TOLD TO PROPERLY CREDIT IT ON THE PHONE AND REFUSED IN VIOLATION OF LAW ... THIS IS RECORDED ON XXXX XXXX 'S LINE*** > > > NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD > > > NATIONSTAR HAS CONFIRMED LOAN ESCROW FRAUD > > > NATIONSTAR HAS CONFRIMED COMPUTER FRAUD > > > NATIONSTAR HAS CONFIREMD ADDING ILLEGAL FEES > > > NATIONSTAR HAS CONFRIMED THEY DO NOT HAVE THE PROPER LOAN DOCUMENTATION ***NATIONSTAR HAS FURTHER CLAIMED THAT THEY ARE ABOVE THE LAW AND THEY DO NOT HAVE TO COMPLY WITH STATE OR FEDERAL LAWS*** QUOTE FROM THEIR RESPONSE ON THESE ILLEGAL ACTS THEY HAVE CONFIRMED " At this time the account is current and due for XXXX XXXX, 2017. After completing our review into the aforementioned issues we determined that  overall, there were no errors on our part. '' IN ADDITION, NATIONSTAR HAS LIED ABOUT A FORECLOSURE THAT THEY SAID WAS NOT HAPPENING, THEY HAVE ALWAYS FAILED TO PROVIDE MONTHLY STATEMENTS, AND THEY ARE ALL STILL REFUSING TO COMPLY WITH ANY LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: FL
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 have violated my rights under 15 U.S.C. 1681 section 604 a section 2 The Law clearly states a consumer reporting agency can not furnish a account without my written consent or instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: WI
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:
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.

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
Consumer complaint received 2021-10-29
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from 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 2023-06-15
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX the credit bureas and XXXX XXXX  Claimed they did an investigation But that can be possible when I never have written permission!!!!!! 

XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX - XXXX - XXXX ND XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX  Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 non-monetary relief