BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. 

Details of unauthorized inquiries : 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 I am deeply concerned about the potential negative impact these unauthorized inquiries may have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. 

I kindly request TransUnion to initiate a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. 

FTC 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 2023-10-10
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a call today ( XX/XX/XXXX ) from Sallie Mae explaining that my loans were past due. The loan modification program that I enrolled in in XXXX was denied. I explained that I never knew it was denied and in fact, my loans were already in a loan modification program. They were being " taken out '' of one program to be put into another program per the callers instruction. I was then informed that my loans were placed into a loan modification program in XXXX and a rate reduction program in XXXX. They were not able to provide me with any documentation of when I re-enrolled into my loan modification program in XXXX, as the program is only good for 2 years. In order to qualify for the program, you must make XXXX qualifying payments which are not reported on your credit. I did this. I made the XXXX qualifying payments in XXXX and continued to make payments into XXXX. In XXXX of XXXX, I was told that I would have to enroll into a new program ending in XXXX and this program was similar to the program I was already enrolled in. I asked if that was ok, as my loans were currently in a program and I was told yes because that program has no longer available. I had to enroll into the new program. XX/XX/XXXX I enrolled into that program. I am not able to receive clear answers on the program that I enrolled into in XXXX. There seems to be no record of such program. I was told several times this year to ignore the emails and letters about my loan program expiring and the noticed of defaulting. Now I am being told the communication was true. This is deceptive and unethical!

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 2023-09-30
Company: Experian Information Solutions Inc.
State: PA
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:
Experian have my nonpublic personal information such as my social security number, account numbers, and credit history with my consent and authorization. I want to opt out of credit reporting of certain accounts with certain financial institutions. This is identity theft and credit reporting is optional. I have the right to privacy as stated in the Privacy Act the Fair Credit Reporting Act, and in the Supreme Court case Griswold v. Connecticut ( 1965 ). Additionally, these accounts have been reporting falsely as the balances are in a positive amount indicting credits that are owed to my principal. Also there is an unauthorized inquiry on my consumer report that I have no knowledge of.

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 2023-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Bank of America has not determined my dispute fairly. They determined my claim based on the fact that it is easier to side with the merchant. Will not explain how they arrived at their decision and have ignored my close to XXXX pages of evidence I have submitted. Told me I can not refile my dispute ever again and will not speak to me without hanging up on me. Will not even take my complaint internally, told me no one will follow up. They also purposely give me phone numbers to XXXX to send me on a wild goose chase. They lied to me and told me that XXXX decided my dispute and that they did not. XXXX has told me this is a lie. They have purposely deceived me and will not listen to my evidence. They have called me a liar and ignored all my evidence yet rules in favor of the merchant, when they have submitted XXXX pages of evidence. Case # 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 2024-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened CFPB case XXXX, however I noticed that there has been no response and they allowed one charge from XXXX  to go through despite the fact that I had locked the card. They further used this as opportunity to again charge very high interest rate contrary to the relief they proposed.

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 2024-01-23
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recieved a letter from us department of the treasury, stating that XXXX was taken out of my social security payment to pay a Army and Air Force Exchange debt from XXXX. 
This is being collected by a company called XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, U.S.A. 
This was a complete surprise, There were no notifications of judgements or any other notifications. Additionally, this collection is far past the statute of limitations, and AAFES was part of a bankruptcy discharge in 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My house has already been XXXX on. This was the issue that many Wellsfargo customers were subjected to. 

However this week I got a letter from Wellsfargo stating that " During a review of this account, we identified that when the loan as considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for XXXX We apologize for any inconvenience this caused. '' How do I determine if I should apply for the Wellsfargo XXXX lawsuit? I'm sure that Wellsfargo is not going to freely admit that they cheated me out of my home. But I'm sure that they are not just sending checks out for free. 

I'm also afraid to cash this check, I'm guessing that by cashing this XXXX I am also somehow releasing Wellsfargo from any wrongdoing. 

What should I 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 explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had all these inquiries due to my data being breached on XXXX and XXXX and seen those inquiries removed and adresses 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 2024-01-22
Company: CCS Financial Services, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Collection on behalf of XXXX XXXX has placed erroneous information on my credit report and has yet to show validity with accuracy of said debt. The policy was cancelled and XXXX XXXX still attempted to collect an insurance payment, thereby engaging in a commission of fraud. Credit Collection wont listen to reason and is accessory to the commission of fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: TRANSWORLD SYSTEMS INC
State: VA
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 am not liable and refuse to pay this debt with XXXX XXXX, I have no contract with Transworld Systems Inc in regards to account XXXX XXXX The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.

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 2024-01-10
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On about XXXX XXXX, I received a call from the manager at Regions Bank at XXXX XXXX XXXX XXXX XXXX TN XXXX Inquiring if I withdrawed a large sum of money from my XXXX XXXX account early in XXXX, which I told her no and I asked if I should come to the bank. 
She copied my ID and I saw a withdrawal slip with my printed name on it, a signature and my account number. With date if XX/XX/ with the amount of {$1800.00}. We both agreed that was not my handwriting. 
I also asked her what made her look at my account and was informed that an investigation was in process regarding other accounts and that I should get my money deposit back in my account within 30 days. 
On XX/XX/XXXX, I received a letter denying that I would not get my money back because I didn't report it within 30 days. I protested and the bank reopened the investigation. On XXXX XXXX XXXX I received a 2nd with the same denial letter. 
This account was part of my retirement plan so I never withdrawed money since I opened it. I check my quarterly for amount of interest earned because i only made deposits. I was in the bank on XX/XX/XXXX to stop automatic deposit in my money market account as I retired on XX/XX/. The only thing I did on XX/XX/XXXX was spoke with customer service representative at his desk and no teller transactions was done. 
If an investigation was done, and if cameras were in the bank it should have showed who took my money and which teller gave the money. 
I put money in the bank for safe keeping and not have someone to take it. 
Please help Thank you kindly See attachment of unauthorized withdrawal slip and my withdrawal slip with my handwriting signature XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX or 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 monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2024-01-21
Company: Tally Technologies
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX turning XXXX this year. I am a victim of identify theft and these are not my accounts. I did not ask anyone to open these accounts. The companies can not provide signatures or proof that I opened these accounts. Please help me.

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 2024-01-22
Company: BARCLAYS BANK DELAWARE
State: FL
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:
On XX/XX/XXXX I had a hotel reservation. Me and My partner XXXX XXXX was at the hotel for the reservation. The hotel was overbooked and we were stranded in their lobby. The company still charged me for a hotel room that was not available. Not sure if this is bait and switch but at the very least I should be refunded the room. The company refuses to credit us they state if I cancel the reservation it is not refundable. However we did not ever cancel anything, it was overbooked.

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 2024-01-22
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Formal Notice of Violations and Request for Remediation Dear CCS Collections, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner of how CCS Collections has handled my credit information. 
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within XXXX XXXX from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 
Moreover, I insist on CCS Collections provide a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation