BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX i called Bank of America due to incorrect information that is being reported to the XXXX   XXXX. I had two accounts which were charged off with Bank of America. 1 of which in the amount of {$260.00}, was paid in full after it was reported to the XXXX  for insufficient funds ( NSF ). My 2nd account which is my savings account is being reported to the XXXX for {$.00} due to fraud. I have called and escalated this issue with bank of america several times and the risk and closure department is refusing to correct this information. How is it possible that both accounts were opened at the same time and closed at the same time but are being reported to the XXXX XXXX for different reasons. When the accounts were originally being closed, i received notification via mail that they were being closed due to ( NSF ), but for some reason Bank of America is reporting my account as fraud which is preventing me from getting an account with anyone. They are refusing to review this information and update accordingly. They are saying it is fraud because i had a negative balance of {$36.00} and my recurring utility payments were charged to the account, but were not paid by Bank of America, and i was charged {$36.00} each time this happened, which increased this balance to over {$200.00} ( which include extended overdraft fees ). I need this fraud remark removed from my consumer report today and commented correctly. I have disputed this information with XXXX XXXX but they keep stating Bank of America keeps verifying this information to be true.

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 2021-03-16
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a car loan with XXXX XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.

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 2023-01-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-03-22
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:
I am a victim of identity theft please remove this fraud inquiry 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 2017-08-07
Company: HONOR FINANCE, LLC
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: Problem with personal statement of dispute

Complaint:
Contacted Honor Finance on XX/XX/XXXX regarding 2 hard inquiries done XX/XX/XXXX. The one I asked them about was XX/XX/XXXX. The company person did not explain why they ran a hard credit check twice, once on XX/XX/XXXX and XX/XX/XXXX. I explained to them that I would like the XX/XX/XXXX removed due to already getting one done XX/XX/XXXX. They refused, so I would like to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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: Their investigation did not fix an error on your report

Complaint:
This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be corrected is : XXXX XXXXXXXX

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 2021-06-14
Company: EQUIFAX, INC.
State: LA
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 submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 non-monetary relief
Consumer complaint received 2022-04-29
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX ACCT XXXX XXXX, Has violated my rights XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.C.S 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I did not open these accounts I HAVE A POLICE REPORT NUMBER FOR THESE ACCOUNTS XXXX. OFFCER XXXX XXXX XXXX. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE ASAP

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 2023-06-17
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had American express card num. XXXX they close the account. Because I do not paid a balances. I ask information about the debt, They explain the type of debt. is about {$65.00} I response they do not send any bill to my address and if I do not receive the bill is impossible to paid. Then we agree, American express will send me the bill and I will send the paid. 
But the close the account and sent incorrect information a to credit scores company, meaning that show that I do not paid the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
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:
I recently disputed XXXX accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/ dispute was filled. I received a response stating that the accounts was verified and updated. I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to bring to your attention a serious error that has occurred on my credit file. It has come to my notice that a bankruptcy entry has been incorrectly placed on my credit file with your court. This bankruptcy claim does not pertain to me, as I have never filed for bankruptcy, nor have I ever been involved in any bankruptcy proceedings. 

I kindly request your immediate assistance in rectifying this mistake by removing the erroneous bankruptcy entry from my credit file as soon as possible. The inaccurate information has severely affected my creditworthiness and has caused unnecessary stress and inconvenience. I believe this error is damaging to my financial reputation and has the potential to hinder my ability to secure credit in the future. 

I am attaching a copy of my credit report highlighting the incorrect bankruptcy entry for your reference. I kindly request that you conduct a thorough investigation into this matter and promptly update my credit file with the correct information, confirming the removal of the erroneous bankruptcy entry. 

Additionally, I would appreciate it if you could provide me with written confirmation once the correction has been made and the incorrect bankruptcy entry has been removed from my credit file. This confirmation is crucial for my records and peace of mind. 

I would like to thank you in advance for your prompt attention to this matter. Your assistance in resolving this issue is highly appreciated. If you require any further information from my end to expedite this process, please do not hesitate to contact me by email at XXXX I trust that this matter will be resolved expediently, and I look forward to receiving confirmation of the correction.Thank you for your understanding and cooperation.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX reported that i closed this account and reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 


XXXX reporting a past due of {$380.00} reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXXXXXX XXXX reporting a late payment of {$320.00} reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXX inquiry on XX/XX/XXXX This is a violation.

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 2023-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023, my USAA was hacked. I immediately disputed the transactions. Our social security checks and pension checks were deposited but couldn't have access to our funds. They closed our account and said we were responsible for the hacking. 
We opened our new accounts with XXXX. My identity has now been stolen, and false claims were declare They are working on it diligently to fix the pr9blem. I have filed a police report. 

We have XXXX years with USAA XXXX and my husband is a 17 year veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in 2022 with a 4 % interest rate and was told that my monthly mortgage ( with taxes and insurance in escrow ) would be {$3000.00}. 

It is now $ XXXX/month ; a 10 % increase. 

My property taxes went up $ XXXX. and insurance is about the same. When I called Wells Fargo they said that I had an escrow shortage and then hung up on me. 

A {$3400.00} a month payment is very different than one that is about $ XXXX. Wells Fargo did the underwriting and the escrow analysis. I would have made a different choice if I knew my mortgage would have been {$3400.00}.

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 explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Inaccurate accounts and inquiries added to report after Equifax reported they were not on the consumer report along with multiple creditors stating they were not able to even access the consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023, I contacted Apple Card asking them to refund a {$220.00} credit balance on my account. Their customer service informed me that it would take approximately 8 days for the money to reach my account. This is unfair for it to take that long to electronically do a refund refund. When I owe them money the funds are immediately withdrawn. I asked them to expedite the process since I was experiencing a hardship. They refused to accommodate my request. 
This blatantly unfair to me the consumer. I suspect they are playing games with my money and holding on to it so they can make more money. It simply is not in their interest to promptly do a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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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