BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NY
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 with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.

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 2022-12-19
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not recognize nor do I have a contract legally binding I, XXXX XXXX and TRUIST with any agreements. This Is FRUAD! I have Reached out to TRUIST multiple times due to this fraudulent account and no response from TRUIST XXXX XXXX as stated Here I would receive something in writing addressing I, the consumers concerns and I, the Consumer have been ignored each time as well as sending certified mail proving TRUIST has received my concerns as well as TRUIST ignoring them. TRUIST continues to cause damages by making I, the consumer keep an account I Never Asked Nor Agreed to. This has Caused XXXX, Mental and Physical Damages I, have been reaching Out to TRUIST Since XXXX of XXXX  to current all Documented and Notated. This is a Conspiracy against my Rights and Color of Law, For TRUIST to Bully I, XXXX XXXX. 
I Come in Good Faith and Clean Hands by Law Who Has Notice Each Persons Knowingly, may Face Fines, Jail Time and or Both according to Law.

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 2021-05-10
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the refinance process on or around XX/XX/20 and the process was moving forward, submitting documents, etc until the processor changed. I never received an update and emailed my processor and loan representative for an update. When I finally received an update the manager of the new processor was supposed to call and never did. I contacted again and finally got a response which she apologized for and stated needed additional documents, which I submitted. Our debt to income ratio was high and I paid off two accounts which based on the information from loan representative put us under the threshold. I emailed again to find out the status and was told the product had switched and the processor still had an issue with the debt to income ratio. My last email was to find out if the refinance was going to happen. I have not heard back yet. This has been a 7 month process with no progress. It has cost additional money every month the refinance has not happened and possibly cost a better rate option for refinance if I move to another company.

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 2020-08-24
Company: Kimball, Tirey & St. John LLP
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:
I called this company and they apologized for the inconvenience. A former resident named XXXX XXXX used my name for the lease of that property when really it was his own son XXXX XXXX that was living there. I never lived there. This is fraudulent information. I have also spoke with XXXX XXXX himself and he informed me that he notified the company of this error and has paid the debt. I had nothing to do with this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In Reference to Complaint XXXX Against TransUnion I wrote to Transunion to investigate my inquiry regarding my credit report and its accuracy back XXXX XXXX XXXX, 2023. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the inquiry must be investigated and either confirmed or deleted within 30 days. See Attachment TransUnion did not respond within 30 days and instead waited until I sent them a Certified letter about 80 days later XX/XX/XXXX demanding deletion when they knew they had No choice but to respond because I now had proof that i had been writing them regarding the investigation of my credit report. 

Now that I have file a complaint with CFBP they are asking for more time to investigate, NO they do NOT GET MORE TIME, they are BREAKNG the LAW? .... XXXX had also not responded within the 30 day timeframe but when I sent the XX/XX/XXXX letter telling them they had not acted within the law and that they Must now delete the items in question, they did. PLease see XXXX screenshots, TransUnion need to do the same. 

I would rather not make this a legal matter and I am once again asking TransUnion to remove the negative items as required by 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2023-02-26
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chex systems has removed an inquiry in the subsection inquires viewed by others after I disputed that they did not have my written aubtorization to furnish this on my consumer report. Now I am asking for a settlement of {$1000.00} for violating FRCA PERMISSIBLE purpose. I have documents when the inquiry was at inquires seen by others to an updated report to the inquiry being removed in the subsection inquires viewed by others. I will be sending a letter of notice of settlement to chexsystems  as well through mail for paper trail just in case this leads further into federal court.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The accounts are linked to an address thats not mine. I have disputed the errors repeatedly with each bureau for removal but I have been unsuccessful. These negative accounts are hindering my progress.

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 2020-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
About a month and a half ago there was multiple transactions on my XXXX debit card over a100 they  were all nearly the same amount even some of them being at the exact same time same day and same amount that is not even humanly possible for an individual to do they were as well out of the country so I filed a dispute and Bank of America credited my account for that amount however just two weeks ago they sent me a statement stating that I lost the dispute and they reversed the credit so my account is {$2800.00} negative however it was {$3800.00} negative but when I certified my benefits last week they took my whole amount It is unfair that I lost the dispute considering the fact that its 100 % obvious its fraud but the fact that that is my only means of income and I am being financially deprived of it and My rights as a consumer are being violated

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 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
That happened with bank of America The time with XXXX virus I received the money from government to bank of America the final the bank took like XXXX $ from my account I called everyone but no one help me ..can you check the last transaction in my account... I don't take this many... .can you help me back my many again and take my right after all this time My friend tell me about this website first time I try... .thank you

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: Thaxton Investment Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a letter from Covington credit about repeated attempts to collect a {$160.00} payment. They say they have been calling everyday for weeks to collect payment. They also say if I dont pay them soon further action will be taken whatever this means. This abusive debt collection experience has affected my health and caused significant damage to financial and credit account history. My financial and credit accounts at XXXX XXXX have been closed due to significant debts already owed. I am having to support myself and my family and put food on the table. My parents can not afford to buy food and pay their bills. Therefore I am having to help them pay for food and other items. I also owe other lenders and bills so I am trying to pay those and whatever I can. However Covington credit can not establish some sort of payment plan that is affordable. They only provided one instance where they accepted partial payment. If they can do that then something could be arranged to repay the loan taken out in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
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 have been working to correct these errors for several years now and my papers are in storage as i am moving and as i tried to get an apartment is when my false credit scores has effected my life and liberty. the last date was XX/XX/2023 I have been and sent certified letters to Experian, XXXX, and XXXX XXXX and the day that XXXX XXXX received my request they literally retaliated and sanked my credit score another XXXX points in XXXX day although i had did no business or anything else that should have resulted in a move like that. I have been disputing and writing calling and doing everything in my power to correct these wrongs. The list is too long to put on paper but these companies has all of the documentation as i already had a free account with XXXX do to them breaching my data a couple years ago so all this information is in the files. I have a XXXX dollar debt from a credit card i disputed as well as XXXX energy and several other credit cards that someone that was living in our house must have also took advantage of myself and my wife purse was stolen and her license social security card and all her credit cards was stolen separate incidents. I The companies keep saying that the information has been verified and correct and i say no you are wrong.

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 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, a check for {$36000.00} dollars was deposited in my business bank account, which a company issued to pay for services provided by my company. 

Bank of America classified the check as fraudulent and by telephone informed me that the check had been reported stolen, so they decided to close my business account and send a check for the balance in the account, but did not send the {$36000.00} dollars of the deposited check. 

I contacted the company that issued the check, who verified with their bank that the check was never reported stolen and that the money came out of their account. They informed me that the transaction from their side went through normally and that the problem needed to be resolved with Bank of America. 

Bank of America insists that the company that issued the check should request a reversal of the transaction, but the issuer tells me that everything is fine on their side, that the money came out of their accounts and that they are not going to request a reversal because they have not reported anything wrong with the check. 

I gave Bank of America the phone number of the financial XXXX of the company that issued the check and the phone number of the bank agent used by the issuing company so that Bank of America could contact them directly and verify that everything is fine with the check. I have waited almost 2 months and Bank of America has not contacted anyone to verify that this transaction is not fraudulent. 

On Friday, XX/XX/XXXX I called and visited Bank of America to explain once again that the issuer will not do anything because on their side everything is fine, the money came out of their accounts the way they intended. On the phone and at the Bank of America office I visited, I was informed that my money can only be recovered if the issuer requests the reversal, but to this day Bank of America has done nothing to verify that the funds are clean and should be released. 

I have decided to initiate this complaint as I have called Bank of America at least 20 times and visited their offices at least 5 times, but I do not see them doing anything to resolve the situation. I understand that there are policies in place to prevent fraudulent transactions and I have provided all the information they require to prove that this is a clean transaction, but apparently Bank of America 's verification process does not work at all. This has been the worst experience I have ever had with a Bank.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX  account with acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.

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 2023-10-18
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief