BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$33000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 2023-05-29
Company: EQUIFAX, INC.
State: GA
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:
You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please update this account immediately. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX and when I was younger I was in an orphanage in XXXX Idaho and I had an account with US Bank in XXXX in my account my dad who is better he left me on death benefits when he passed away I had his death benefits in my savings in my savings account in US Bank no even though my bank was in XXXX I was under XXXX so I was in an orphanage in XXXX in Idaho so I didn't live in XXXX I was supposed to be able to get some money when I was XXXX that was I couldn't touch it until I was XXXX then I could withdraw it to be an adult so what happened was when I was in this orphanage US Bank in XXXX that some lady that didn't live with it wasn't really familiar with you know I didn't live with this lady had nothing to do with this lady they let her put her name on my checking account with US Bank and she completely cleaned out over {$15000.00} but Dad I didn't live with her I didn't stay with her I had no responsibility to her I was locked up at an orphanage and XXXX Idaho so I don't know how she got US Bank to let them put her name on my account cuz when they they let her do that all she did was she took XXXX and closed the account she stole all my dad 's death benefits and close the account I didn't live with her and no responsibility to her whatsoever I tried talking to you as bank and they told me that I'm not allowed to sue a bank I can't make a complaint against him I can't do nothing to a bank at all they're untouchable which is curry alike because now I see your website where I can make this complaint I'm sure the statue of limitations on this is right now but I would appreciate it if you look into it because put her name on my account and I don't know how I don't know how why they did that because this lady was not my mom she's not related to me she's not any part of my family she's no relation whatsoever so hopefully you do something about this but I'm sure you can but I just wanted to make this completely and because they let her put her name on the account I lost my dad said benefits so any information to give me would be appreciated Also the number I have listed on here my phone number is not XXXX my phone number is XXXX that's the correct cell number to contact me at 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. Transunion does not have permissible purpose to furnish these inquiries on my consumer report pursuant to 15 USC 1681b ( a ) ( 1-2 ) only a judge/federal grand jury or from me the consumer in writing anything else is fraud. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

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 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2021-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To whom it may concern, Since XX/XX/2021 my husband and I have been trying to track a Bank of America Visa credit refund in the amount of XXXX. A credit refund was processed from XXXX XXXX XXXX  XXXX for a reservation that was cancelled. XXXX XXXX XXXX  XXXX purchase was made using XXXX as a financial go between. The refund was processed by XXXX XXXX XXXX XXXX and sent to XXXX XXXX who then sent it to Bank of America it is at this point where the refund seems to have been lost. We have asked XXXX to trace the refund more than a few times and each time XXXX has responded that the refund of XXXX was successful. XXXX also gave us a trace I.D . number XXXX. XXXX explained in the letters we received the following. ( Copies of letters will be enclosed. ) If you are unable to find your credit by reviewing your card or bank statements, please provide the following reference number to your card issuer : XXXX. 

This number should enable your bank or card issuer to locate the money. 

We have made dozens of calls and spent countless hours with Bank of America and have explained the situation with this refund and given them the trace number from XXXX. No representative of Bank of America that we have talked to knows what to do with this trace number provided by XXXX. We are usually told by the BofA representative that we need to go back to XXXX XXXX and ask them to trace or recall the refund. We of course have also called XXXX multiple times and spent hours running into the same response from them telling us they have sent the refund and we need to go back to BofA to help us with this situation. 

If you read the letters we have attached you will find a more detailed explanation of the transaction and refund. What BofA is saying is that when we made a claim with them it was 4 days late and they could not dispute the charge with the merchant. We are not disputing the charge with the merchant we are trying to understand where our refund has went to, and BofA is basically saying they cant do anything. So the refund of XXXX is in some sort of limbo between XXXX XXXX and BofA but since we have the reference number from XXXX XXXX we feel this is an issue that BofA needs to solve. We would be glad to discuss this issue with anyone on your team to answer any questions. 



Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Email : XXXX Phone : 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 2020-12-23
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There account reporting from. SUNRISE CREDIT SERVICE ( Original Creditor : XXXX ) Is all ready paid and was removed a few months ago and now, this new company reporting again and i ask them remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-12-29
Company: 3rd Generation, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX has had a car loan with California Auto Finance since XXXX of XXXX. I have been late on my payment once. As of XX/XX/XXXX, all three credit bureaus have my status as CLOSED. This account is not closed, I am currently up to date with my car payments. I have disputed this at least 10 times and my status has not changed. XXXX says in their records it shows auto loan open. The credit bureaus said that in their records it shows closed. Someone is not on the correct page and this is affecting my credit. I am trying to buy a house and I cant because this status has not changed. I have reached out to all credit companies and my car loan bank and no one is helping.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XX/XX/2017

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 2022-12-29
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my US bank checking account was restricted after I received a XXXX loan from XXXX XXXX and I withdrew XXXX. I was told I would receive a cashier 's check within 60 days after account was closed. On XX/XX/XXXX I called and was told that the check was already in the mail and if I don't get by Friday call back. I called back on XX/XX/XXXX and discovered that was a lie when rep told me a check was never mailed out. Then a senior relationship manager told me that the funds were returned to the originator which was the second lie. I called XXXX XXXX and they said they never received any funds and for me to call back and get the check info US bank supposedly sent. After that call the US bank retail branch called me and said he actually had the funds in a general ledger and if I wasn't going to come to branch I would have to call US Bank XXXX to get a check issued. When I called they opened up a customer care unit request and I was told they would resolve within 3 business days but I never got a response. Then on XX/XX/2022 I called again and was told they refuse to send me my cashiers check unless I come to branch or do a virtual meeting. Even as I've received letters from the branch at the address on file saying a cashier 's check would be sent upon positive balance closure US branch continues to violate my rights and is withholding funds I have to pay back with interest to XXXX XXXX. Please have them mail my cashier check.

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 2021-07-24
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XX/XX/XXXX {$6400.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX XXXX These accounts are fraudulent and were possibly opened due to identity theft. I challenge the accuracy, compliance, and reportability of these accounts. Please validate this information with these accounts and provide me with copies of any documentation associated with this account, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
American Express is reporting inaccurate information on my consumer reports. 

In XX/XX/2022 I made of payment of {$140.00} and was offered a payment plan ( XXXX XXXX XXXX ) to settle my debt balance. On XX/XX/2022 I made an additional payment of {$120.00} as a down-payment for the payment program. The XXXX XXXX XXXX claims to offer the following : 1. Temporarily lower monthly payments and interest rates 2. Waive late payment fees 3. Prevent account from going further past due When I enrolled in the program my monthly payment was reduced to {$72.00} and interest rate lowered to 5.99 %. I've made all payments on time, however my interest rate has not been lowered, causing interest fees on my total balance at a rate higher than 20 %. I've also been charged late fees each month. My account is also still reporting as past due/late every month to all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NC
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$53.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$84.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : 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 2021-12-30
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was referred to NACA by a friend who used them 20 years ago. They advertise on their website that there is no down payment or closing costs as their program helps low income families of color. We signed up and were charged a {$25.00} fee that is charged annually and was told that we would be charged over {$15.00} each for them to pull our credit reports. We jumped through hoops uploading all out documents on their website, set up an appointment with a counselor who did not have access to our documents, ran our credit without reading the XXXX statement and did no answer any of our questions, but told her we would need to save for down payment and closing costs. We are feeling duped and feel this company if just taking our money. To add insult to inquiry, they want us each to support their business by representing them 10 times a year each, which is 20 times a year between me and my partner. I called NACA to complain and was transferred to a 'supervisor '. I got a voicemail where no on has ever called me back. I was told I could take my business elsewhere if I didn't like their practices. This company needs to be investigated because of false advertising amongst other lending practices that seems a bit sketchy. I requested to be assigned to a new counselor since me and my partner both felt we were being discriminated against because of our sexual orientation and we were told no. He never told us what we qualified for after running our credit. We're still wondering why our credit was run to begin with.

Company response to consumer: Closed with explanation