BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-09-27
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet DISCOVERBANK is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX  compliance. Provide me with the XXXX  compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. DISCOVERBANK and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have XXXX in my old bank account with Truist bank thats been sitting. I would like to retrieve my fund. They say my Account is no longer active and is now closed.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been having repeated issues with incorrect name spellings and inaccurate home addresses reporting on my credit. I have called the bureaus many times, sent in letters to correct this information, with proof of identity, home address, as well as a police report ; that proves my identification ( license, social security card and children 's social security card ), was stolen years ago.

My last attempt at contacting the bureaus was in early XXXX. I was assured that only the information, I provided with proof of identity and address, would remain on my report. I also added fraud alert and put a freeze on my reports. After printing my free annual reports, last month, I noticed several name spellings, along with an additional last name.

There are also several listed addresses. After moving from my last address, three years ago. I contacted the bureaus to remove all old addresses. I was assured this was done. However, I am seeing addresses that I have not ever taken residence at, as well as addresses from 10plus years ago.

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 2018-05-11
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Foreclosed on my property while going through trying to get a repayment plan or some kind of help to prevent foreclosure. And they prolonged my paperwork. I have asked to reinstate my loan and they tells me its nothing they can do and I know it is I have called numerous of times begging for them to get it straight I feel like the escalation team did not do a complete review in my account cause if they did they could see I have been dealing with this since XXXX of 2017. I felt like I was being prolong on writing hardships explaining why Im having large sump of being debiting into my account where they can clearly seeing coming from my work place they have the bank statement and my paycheck stub with the same amounts I have worked day in day out to get this account straight. Shellpoint mortgage service had me writing so many hardship letters on stuff that they had from the judge about child support just crazy stuff. They knew exactly what they was doing and as for XXXX XXXX whose suppose to be my case worker didnt know anything he couldnt even tell me what was a I unapplied balance was. Thank to XXXX XXXX she explained it to me and couldnt believe what Shellpoint has done and clearly they seen I was trying to avoid this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CNG FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX ME LLAM y ME DICE QUE SI NO RESUELVO LA XXXX XXXX XXXX EN XXXX XXXX, LA XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
SINCE XXXX WELLS FRGO BANK AND XXXX AND XXXX XXXX XXXXXXXX AND SOME AND SOME HOME CORPORATION LOAN DECIDE BY WELL FARGO BANK XXXX XXXX XXXX TOOK 10, PROPETIES AND XXXX DOLLARS AWY FRO ME SINCE XXXX XXXX XXXX nd the reaerved bankgrnted to me XXXX XXXX and XXXX they thiss bank file complaint XX/XX/XXXX case number XXXX of thiss charges wronful forclosure VIOLATIONS OF GOVERMENT CODE XXXX VIOLATION OF PENAL CODE XXXXINTEREFERENCE WITHH CONTROL VIOATIONS ACOUNTING THISS WELL FARG BANK MANAHER LINK WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTME DEATH IN XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX AND WITH XXXX XXXX REPOERTME AS A XXXX XXXX PROPLMS CAN NOT MANANGE ANDD DEPENDES ON MY SELF .THISS GOVERMEMT AGENCIESS HIREA WANTED WARRANT FEDERALL SEARCH OF XXXX XXXX AS MY WIFE AND ACT AS XXXX AS XXXX XXXX THISS GOVERNTME AGENCIES CHANGE MY GENDER MY BIRTDAY ANND M Y NATINAOLITY AND NAME I HAVE TRY SINCE TRY TO GET HELPBUT IS N VAIN I LIVE IN XXXX XXXX XXXX XXXX IN A TOWN NAME 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 2021-08-13
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: Their investigation did not fix an error on your report

Complaint:
There are incorrect addresses, names, and inquiries that I did not authorize, nor benefit from. It is causing me great issues because it is affecting my credit score. Because the credit agencies refuse to make sure things in my credit report are 100 % 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 explanation
Consumer complaint received 2022-12-15
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 15U.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 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 2019-06-24
Company: AmeriCollect
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22, I received notification that my credit card interest rate was increasing based on my FICO score recently received. I had not done anything that would prompt a change in my FICO score so I ordered my credit report to make sure there were no changes in my credit history. To my surprise, there was a collection item placed on my account. I immediately call the collection agency to confirm what the item was for and they indicated that I had an outstanding medical bill from last year. When I asked for the details, they had none. They just wanted to know if I wanted to " settle the account today ''. Not sure how anyone else handle their finances, but I don't dish out money without details. My concern is that the collection agency did not do their homework to confirm if the debt was legitimate prior to posting it to my credit report. As a result of this collection item my FICO score was significantly reduced and resulted in a 6 % rate increase to one of my credit cards. I have disputed the claim with the credit bureau and looking to get additional information to confirm the debt is outstanding. If it is legitimate, I will pay the debt however, I have a one important question for the company that submitted the debt to the collection agency. Why is the first point of contact for the debt from a collection agency?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2023-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Since 2019 and onward, I have and endured issues with incorrect information being on a lot of my personal accounts anywhere from taxes- to medical ( apparently XXXX XXXX XXXX XXXX  ) incorrect addresses and phone number on my credit reports, and collections not belonging to me. Work history on a background check not one was accurate for former or current employment. Ive tried asking for help and did all the freezes and what not but nothing really seems to be coming from it. Please help. 

Sincerest of advanced thanks-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX, XXXX Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and i noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Section 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not 100 percent accurate and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where i can get the updated report after you investigate this. Could you please send me a copy of my credit report after this is done? Also please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is at the beginning of this letter. 

Thank you, XXXX XXXX XXXX Account XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: MS
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint against Citibank on XX/XX/XXXX regarding fraudulent charges. I was awarded a monetary relief by CFPB and received it initially but then was recharged for some of these purchases but not all despite them being found as fraud. I was recharged on XX/XX/XXXX to a total of {$4200.00} despite receiving a letter on XX/XX/XXXX stating that they had credited me permanently.

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 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While preparing for vacation, I reserved a room at XXXX by XXXX XXXX XXXX, MO XXXX. As our vacation drew near, we discovered that XXXX XXXX, MO was experiencing flooding in the downtown area, so we canceled that reservation and decided we would stay there on our return trip home. This was XX/XX/2021. Immediately upon cancellation, Bank of America billed us {$120.00} for the reservation. This should not have happened, as I had canceled 4 days in advance of the stay. I contacted Bank of America, and they removed the charge from my account on XX/XX/2021. We proceeded with our vacation and stayed at XXXX by XXXX XXXX XXXX, MO Downtown on XX/XX/2021 for which we were billed {$280.00}. This charge was legitimate. Later, on XX/XX/2021, I found that Bank of America had reinstated the charge of {$120.00} to my account stating that an authorized user of my account had made the charge. This is not correct. I contacted XXXX  by XXXX XXXX XXXX, MO XXXX and they said that they had not billed me or received payment for XX/XX/2021. I contacted XXXX XXXX headquarters and they also stated that they did not charge me nor had they received any payment for XX/XX/2021. I have called Bank of America about this charge on 3 occasions. I have also written two letters to Bank of America. They tell me that they are still investigating the claim. It is now XX/XX/2021. This dispute should have been resolved long ago. I want my account credited {$120.00}. I do not know who Bank of America gave my money to since XXXX says they received no payment, but I want Bank of America to give it back.

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