BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dated on XX/XX/2022 CFPB complaint ID XXXX TransUnion LLC stated on your credit file. Below includes the results of that investigation. XXXX XXXXVERIFIED AS REPORTED AND NOW ON THIS XXXX DAY OF XX/XX/2022, I, XXXX XXXX XXXX Consumer, Have made several attempts to remind TransUnion LLC as a Consumer Reporting Agency duty pursuant 15 US Code 1681. It appears TransUnion LLC are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law.

I am making this CFPB complaint as another attempt to have these errors corrected on my Consumer Report. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all of the unverified information must promptly be removed. You can see in your system that this account XXXX XXXX # XXXX was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. I AM DEMANDING DELETION OF THE MENTIONED ABOVE ACCOUNT Expeditiously with PREJUDICE! TransUnion LLC known for violating FCRA 1681e ( b ) SEE TransUnion LLC v. Ramirez

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 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I have been being contacted by Bank of America for years now, unknowingly they have been pursuing debt that I have paid in XX/XX/2020. I have a receipt that says this debt has been paid in FULL and they refuse to honor the receipt and evidence that I do not own this debt. They have been continuously reselling my debt and new debt collectors keep harassing me for something that I have PAID. It have tried to dispute it several times on my credit report, but they keep saying I am wrong. Why would ANYONE bother to pay debt if they will take your money but not update the account? Please see the attached receipt. This is long overdue and has been stressing me out continuously, as no one will listen.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: VA
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 three credit bureaus XXXX XXXX and experian are all in violation of federal law and need to be fine for reporting fraudulent accounts on my name that have been opened without my consent I have sent them all police report and Id theft reports they continue to violate federal laws with out penalties

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 2023-10-30
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XXXX OPEN XX/XX/23 debt dispute, company failed to respond to dispute and reported a late payment without the debt being validated and with refusal of remittances. Company is in dishonor, is a threat to the public interest and is deliberately causing injury. Company is in violation of security fraud. Mail fraud and theft.

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 2023-11-10
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my sister needed to go to the XXXX  and I was the only one available to drive her to the XXXX XXXX. My sister was the patient that this medical bill is referring to and hospital billing had mistakenly used my contact information that I had given in order to visit her. I am in no way her legal guardian or have been in the past so this debt is not mine to owe. I have tried to fix this issue over the last 2 years, both with the hospital, XXXX, and now another debt collection agency ( Franklin Collection Services ). I have spoken to their customer service representatives and have disputed the debt as not being mine but they continually keep harassing me and claiming that I am the owner of this debt. I have tried to call Franklin Collection Services since XX/XX/XXXX to ask for updates about this bill and each time I have called they have hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a scam against consumers during the early stages of covid19. I applied for refi with Loan Depot on XX/XX/XXXX, however due to lack of response and service from the loan officer XXXX XXXX, I escalated the issue to his boss XXXX XXXX. The issue is that the appraisal fee of {$490.00} was charged to my credit card when the loan docs state {$470.00}, fist mistake. An appointment was made for XX/XX/XXXX, when no one showed up I inquired about it and XXXX stated that the appraiser did a `` drive by '' and no interior inspection was required and due to social distancing protocols. This is where I feel this company is shady and should be investigated. Per XXXX I would be credited {$490.00} towards closing costs and not a refund to my credit card. Fine, but then the rates went down again and I received a proposal from a competitor which I then forwarded to XXXX to give him an opportunity to o see if he would consider a match and that's when he went silent so I had to escalate to his boss Mr XXXX. Mr XXXX took my information and said he'll see what he could do. Three days later her returns another proposal that while it gave me the percentage I wanted, it was going to tack on a larger amount to the loan which I did not want, so needless to say, I went with the competitor which completed a full appraisal and a higher value to my home. So Mr XXXX handled the reimbursement which was only {$95.00}, I explained that he had it wrong and it was supposed to be a {$400.00} reimbursement and NOT {$95.00}, that is what the `` drive by '' appraisal was supposed to be. The Disclosure lumps all the fees in one line, line L of the disclosure so who knows what all is lumped in there as the total was {$3500.00}. When I inquired with Mr XXXX about the amount, he stated that the appraisal company, XXXX, sent a voucher for {$400.00}. So, I went to XXXX to ask WHO was responsible for the reimbursement and received a response from XXXX XXXX who stated that it was Loan Depots and she forwarded my request to a manager, XXXX XXXX, in the appraisal dept, that was XX/XX/XXXX, I have yet to hear from her or anyone form Loan Depots appraisal dept. Included with this complaint are all of the related documents and communication between us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
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: Problem with personal statement of dispute

Complaint:
on XX/XX/2023 I mailed a letter to XXXX XXXX XXXX XXXX account ending in XXXX in regards to their company being in clear violations of 15 USC 1681b - permissible purpose of consumer reports, and how the law clearly states : a In general - subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to who it relates. I wrote them to remove all late payment from reporting to my report as they are inaccurate.

First saving Credit Card company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( First saving credit card ) Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

They responded that the laws don't apply to First Saving Credit Card Account and they found no Violations. I attached the letter response!

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 2022-07-26
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 my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$3100.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 account under an open end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent several request re : unauthorized inquiries on my credit file and this company has yet to respond. More than 75 days have passed and the inquiries are still on my file and I need them removed 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 explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account as a result of a new account bonus offer, which I accepted. 

Wells Fargo is unfairly engaging in deceptive trade practices and refusing to confirm which bonus criteria I have completed, and which I have not. 

I am unable to complete the bonus requirement in a timely manner if the company will not confirm when I have completed EACH specific term. 

The executive response team has refused and failed to evaluate my account to determine if I have met the direct deposit requirement.

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: OK
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:
The 3 Credit reporting agencies transunion, XXXX, and XXXX  have assumed a vital role which I have not given them express written permission to report on my behalf. I have disputed erroneous, inaacurate, out of date, and fraudulent accounts from XXXX XXXX XXXX  that they are reporting. I have written to them to re-investigate already. Now, I am demanding they delete these fraudulent accounts due to all the errors and inaccuracies that they claim have been verified. If these accounts were in fact verified then why is there so much inconsistent information. Pursuant to 15 USC 1681, the credit agencies have a grave responsibility to report accurate, relevant, and impartial information. I have provided factual data which is attached to this complaint as evidence that I have been abused, treated unfairly and my character as a consumer has been tarnished due to these agencies lack of effort in finding correct validated information. I demand that these accounts be deleted immediately due to the copious inaccuracies and inconsistencies in data. These companies have not only violated my privacy by trafficking my name, but they have continued to deny me my rights as a federally protected consumer by doing their due diligence in investigating the matters I have submitted for complaint. SEE EXHIBITS A-F IN ATTACHMENTS.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
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 XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2018-05-09
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 am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. XXXX and transunion still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.

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 2020-06-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Citizens Bank in XXXX began this process after I was referred to them by XXXX XXXX Loans. I don't know why they referred us, as when we put a deposit on the new construction condo in XXXX, XXXX was the preferred lender. 

Closing was to take place this Monday, XX/XX/XXXX. The main loan agent XXXX XXXX XXXX, NMLS ID # XXXX, has been unreasonably delaying the approvals for this loan. I have been asked to provide the same financial documentation numerous times throughout this process. 

Mr. XXXX has told me that XXXX XXXX is his supervisor. Then he got someone on the phone they identified as XXXX XXXX as the department supervisor. Whoever the gentleman was XXXX got on the phone gave me a bogus telephone number to call him back. This was this morning. 

I am reasonably certain throughout this process I have been lied to several times. 

I was told that Mr. XXXX had several loans approved for this building. If that is the case, then I can only assume the road blocks he keeps throwing in the way of the closing are the result of anti-gay bias. I will also be filing a complaint with the appropriate agencies on that front. 

Today, I also emailed the Chairman of the bank, XXXX XXXX XXXX. I have yet to hear anything back from anyone. Therefore, I will also be filing complaints with the OCC and the CFPB. 

Please not that I am the owner of a financial institution myself and I have never made this type of complaint against anyone. I take these kinds of matters very seriously. 

XXXX XXXX and XXXX XXXX should NOT be allowed to continue in this work if they so obviously treat customers, and especially gay customers with this kind of disregard. 

I do assume they think this is funny - to delay my closing as much as they can and see how upset I become. 

Please also note that every item they required to move the loan to underwriting was uploaded to the bank 's secure portal as soon as it was requested. And yet, multiple requests were made for the same documents. 

Please let me know what additional information I can provide to investigate this complaint. I know this will not help my loan get cleared to close any sooner ; however, if this is systemic, the bank should be investigated as well. 

This is deplorable. 

Please note, if necessary, I have copies of every email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an 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 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