BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 2023-01-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I began the process of working with XXXX XXXX XXXX to settle my debt. Lowe 's Synchrony Bank was one of the accounts. Synchrony agreed to a settlement in XXXX of XXXX ( proof provided ) and XXXX XXXX XXXX sent them a settlement payment through XXXX Financial which Synchrony process. Around XXXX of XXXX, I noticed a collection on my credit report from XXXX XXXX XXXX XXXX for the original Lowe 's Debt. Starting in XXXX, I contacted XXXX XXXX and provided several forms of evidence showing the debt was paid. XXXX XXXX  stated they purchased the debt in XXXX of XXXX. I submitted a Statement from XXXX XXXX XXXX  showing the settlement and payment, a letter from Synchrony accepting the settlement, a receipt that the payment was made for XXXX XXXX XXXX through XXXX XXXX XXXX, a bank statement from XXXX XXXX XXXX showing the payment made, and a copy of the check sent to Synchrony bank in the amount of {$1400.00} that was processed by Synchrony. XXXX XXXX still refuses to accept my evidence of payment and continues to send me letters or remove the collections from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/23, I pulled my XXXX XXXX report and noticed two hard inquiries on my credit. One from XXXX XXXX XXXX and another from XXXX XXXX. I called XXXX XXXX to inquire, first checking by name them date of birth. They then asked for my SSN which I was not comfortable providing to an insitutiom I do not have a relationship with.

I do not have any credit cards, nor have I applied for one in many years. I am concerned that my SSN and credit are currently at risk and am seeking assistance.

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 2023-01-13
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 a credit card was opened with Navy Federal Credit Union without my knowledge using my Name, DOB and SSN. for {$25000.00} credit limit. I feel Navy Fed DID NOT follow red flags rules! The account is closed however it has ruined my credit. 

I have notified all XXXX credit agencies. I have filed a police report with XXXX XXXX  XXXX. In XXXX, Oregon. 

filed with : XXXX XXXX Badge XXXX Case # CPD XXXX How can a bank issue a credit card by only verify DOB and SSN? How about checking address? especially since I have never banked with Navy Feds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: OR
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 my recent attempts to correct - incorrect and illegal reporting methods to Experian ; they have failed to fully investigate and abide by FCRA regulations. I wrote in on XX/XX/2022 in request to investigate two accounts reporting on my credit file. 

The accounts are XXXX and The XXXX XXXX XXXX In response on XX/XX/2022, Experian concluded their investigation without fully investigating. I asked for a reinvestigation on XX/XX/2022, I received the same response on XX/XX/2022 - updated account. In my 3rd attempt to resolve the complaint I responded to The XXXX XXXX investigation on XX/XX/2022 and XXXX  investigation on XX/XX/2022 - XXXX then demanded the XXXX accts be deleted for illegally manipulated the statute of limitations. I demanded The XXXX acct be deleted for reporting a past due balance as a collection acct. I received a response from Experian on XX/XX/2022 notifying me the accounts was updated. 

Each time the XXXX account was investigated the account scheduled to stay on report changed and concluded ALL their investigations with an updated acct reporting history. Also, this account has been sold and collected upon by another agency this is also not being reported in the ACCT Status. 

The XXXX XXXX acct I am demanding to be deleted due to it being reporting incorrectly this account has been sold and collected upon by another agency this is also not being reported in the ACCT Status. 

I have all letters I sent to Experian and the response to each complaint. I will also submit proof of the inaccuracies I asked to be to removed.

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 2023-04-19
Company: EQUIFAX, INC.
State: KY
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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove the following items ASAP. Thank you. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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: Account information incorrect

Complaint:
Each time i fax requested material to XXXX they would post to my TransUnion account that location where the fax came from. I am demanding that this stops now. Contacting the places where faxes come from me, and adding them to my personal living information is fraud. This must cease and desist now. As posted by XXXX and TransUnion on each day of fax NEW ADDRESS INFORMATION RESIDENT ( S ) XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, NVXXXX XXXX XXXX PHONEXXXX DATES OF RESIDENCE XXXX to XXXX. This is harassment. It appears that they are attempting to scare me or attack me by locating me each time a fax goes to 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 2018-11-21
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan to buy a condo, start the process around XXXX of 2020 with the bank of America. I have been an account holder for more than 15 years. During the process with the Loan Officer I got the pre-approved letter for XXXX. My credit was check twice, first on XX/XX/2020 and last on XX/XX/2020. Everything was crystal clear, my direct deposits from my work goes to my account at the Bank of America. I spent a lot of time looking for a place, and finally I got the one I want it to buy. The Loan Officer help me to do everything I needed to be satisfied with the bank. The condo 's price was XXXX so I assume was within the price I got the pre-approval. Therefore we went ahead with the process. Already in XX/XX/2020 the XXXX said everything is fine with the loan. The closing was for XX/XX/2020. Additionally I proceed with the Inspection {$150.00}, the Appraisal which was paid to the Bank of America {$580.00} ( XX/XX/2020 ), HOA application {$100.00}, The officer said I need a online class for first time home buyers {$35.00}. After all six months of stressful and expensive process, I got a call from the officer that my loan was DENIED! I feel discriminated and deceptive by the Bank of America. Why they did NOT denied the loan at the beginning? They caused me a big financial and emotional distress.

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 2022-12-12
Company: EQUIFAX, INC.
State: VA
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 # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed a claim with my homeowners insurance for damage that was sustained during a storm back in XXXX. The claim was approved and I was sent a check to start having the damage fixed. I come to find out that supposedly my claim is a tracked claim and I am being forced to jump through hoops to get the check endorsed by the mortgage company so that I can have the damage fixed. This company is making it very difficult and now my home has sustained more damage due to their issues. I have XXXX and do not handle situations like this well. They are also forcing me to pay money to have the check overnighted back to me to speed up the process even though they are the ones forcing me to do this. Times are tough enough and having to pay {$45.00} to have this matter expedited is sickening. I am a veteran and they are making it extremely difficult for me just to get my home repaired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is refusing to re-add an account that should have never been removed in the first place I will continue to make complaints until this is done. I made a complaint about Transunion and XXXX   I'm confused as to how XXXX got the issue resolved in less than a week yet I've called Transunion over 7 times and made 4 complaints. See XXXX 's comment below We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that you have been an authorized user on your mothers credit card and for some reason it was removed from your credit report. You would like the account added to your credit report. Per our phone conversation, we are in the process of re-adding your authorized user account to your credit report. Upon completion, the result summary will be provided to you for review and confirmation. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal.

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 2023-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 purchased from a website called XXXX on XX/XX/XXXX with the amount of {$1700.00}. I purchased XXXX items from them. I, however, returned all the items because they were tampered with and the boxes weren't in perfect shape. XXXX notified me that they received the returned items and that they would refund me the full amount. However, I never got the refund and XXXX suggested I contact my bank. So, I tried to file a claim with Bank of America about it on XX/XX/XXXX. They denied my claim on XX/XX/XXXX because they confirmed with the merchant that the merchandise was shipped to my address which is true that I received the items. However, the reason why I filed the claim was that I did not receive my refund from XXXX when I returned the items. So, I spoke with Bank of America and they said the first claim was filed under fraud which is why they denied it. So, I filed another claim on XX/XX/XXXX and I mailed them evidence that XXXX received my refunded items and it shows on their website that a refund was being processed. On XX/XX/XXXX, I received another denial of my claim because the claim is past the time period for me to notify Bank of America since it has passed 60 days. The issue is that my first claim was within the 60 days but they took 1 month to reply to it. So when I submitted my second claim, it already passed the 60 days because Bank of America took way too long to reply to my first claim. Now, I am running in circles with Bank of America and no one is giving me a clear answer on what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX  # XXXX Amount : {$2300.00} Date Opened : XX/XX/2019 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an 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 non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I went to XXXX XXXX XXXX on XX/XX/XXXX, at their address, XXXX XXXX XXXX , XXXX, VA XXXX. My purpose was to explore the possibility of purchasing a pre-owned XXXX  XXXX XXXX. During my visit, I provided my Social Security Number to one of the sales representatives named XXXX. I explicitly informed XXXX not to initiate a credit check without obtaining my approval first, after which I departed from the dealership. To my dismay, on that very evening, the used car sales manager conducted a credit inquiry without obtaining either my verbal or written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: WELLS FARGO & COMPANY
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
After my car was Totaled from dodging a deer in XXXX or XXXX of XXXX. I was up to date on my payment and had made a down payment but I ran into a wall dodging a deer. I never knew the specifics or even what the gap coverage was specifically for. They did contact me like 8 to 10 years later.. Saying they probably owed me some money but didn't have the right paperwork.. As if I would have paperwork on a car that got totalled a decade ago. I honestly don't even remember what insurance company I was with at the time.. I think this was Wells Fargos plan the whole time. 
Especially since I put a down payment on the car and was current on the payments and I don't believe even a year went by.

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