BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Burke Moore Law Group, LLP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I reached out to XXXX XXXX XXXX XXXX several times trying to make any arrangements that I could. They gave me no options but only 15 days prior to them closing my account. Right now Im working check to check, and the more theyd call and call was very draining and stressful. The balance stated owed was XXXX, still yet sent no agreement or anything they sent it straight to collections without my consent and my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and TransUnion are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-12-29
Company: Experian Information Solutions Inc.
State: RI
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:
****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of investigation.

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 2019-04-02
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regarding XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia  Now union bank and trust I sent a letter into the office of comptroller for currency in late XX/XX/XXXX regarding this existing problem They sent me correspodence on XXXX XXXX via email that they had referred my situation to the cfpb but no record of it on my file Regarding accountability of where my deposited funds are located or was sent or transferred. 
I have check the unclaimed division s of the US treasury no record of the accounts being sent to them In XXXX I deposited XXXX XXXX XXXX   proceed check from the sale of my residence at XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX At the time I handed my proceed check of XXXXXXXX XXXX  to the XXXX XXXX  manager on duty. 
She said we are rich? Whatever that meant.. 
Plus I deposited approx XXXX XXXX XXXX from XXXX ( From XXXX XXXX  XXXX checks from a car accident in XXXX XXXX while at work at XXXX XXXX ) In XXXX north Carolina close to where I lived at XXXX XXXX XXXX XXXX Virginia Off of XXXX XXXX. And XXXX XXXX I went to get some of my monies and I was told I had no account in approx XXXX I have called I gave sent letters to XXXX XXXX XXXX And numerous emails to XENITH Union bank XXXX XXXX  XXXX XXXX And of recent I spoke to XXXX at Union Bank and trust on XXXX XXXX And he said he was going to transfer the details again to their servicing department to SEARCH for where my funds went. still no response to date I recently sent A sworn notarized statement to bank of XXXXXXXX XXXX Attention XXXX XXXX XXXX XXXX XXXX Virginia Stating under oath that I did not receive any monies back from the XXXX XXXX proceed check account No 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 explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-01-23
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a mortgage for a purchase of a home with XXXX XXXX XXXX Mortgage Loan Officer NMLS # XXXX at XXXX. 3 Months after my loans was closed I received an email from my credit monitoring app that my credit was pulled again by XXXX XXXX in XXXX. 

I contacted XXXX right away ( XX/XX/XXXX ) and was informed that there was a system glitch and that company pull a credit on already closed loans and mine was one of the. Not only my credit was pulled with no authorization but all my info was sold to mortgage companies and I have been getting telemarketing calls every day. He insured me that they are in process of fixing it and I should see that reflected in my credit shortly. 
Since then, I followed up with XXXX on XXXX, XXXX and XX/XX/XXXX with no response. 

I also called mortgage servicing line with no resolution, since they asked me to go back to my loan officer. 

Apparently Key Bank that owns the XXXX XXXX Mortgage firm can just pull a credit on any closed files, with no authorization and not follow up with their clients to fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: Checkr, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/2021 I received an email from XXXX stating you recently authorized XXXX to obtain consumer reports and/or investigative consumer reports about you from Checkr, Inc. , a consumer report agency. A final decision has not been made, however the company is considering taking action in whole or in part based on information in such report ( XXXX ), including the following specific items identified in the report prepared by XXXX, XXXX : LICENSE STATUS : SUSPENDED. Now I never gave my consent for Checkr , Inc to report anything on my behalf. That is a violation of my privacy as well as my well being. Checkr , Inc did not mail me any written notice this would be taking place. Not to mention, Checkr , Inc. did not interview anyone pursuant to 15 USC 1681a ( e ) investigative consumer report. XX/XX/2021 I received another email from XXXX stating, We previously informed you that the consumer reports and/or investigative consumer reports you authorized XXXX ( XXXX XXXX ) to obtain about you contained information that could adversely affect your eligibility for engagement with XXXX  XXXX. After careful consideration, we regret to inform you that XXXX is unable to engage your services ( if you are a new candidate ) or continue to engage your services ( if you are an existing delivery partner ). This decision was based in whole or in part on information contained the consumer reports and/or investigative consumer reports obtained from Checkr, Inc. , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , CA XXXX, XXXX. '' The fact Checkr , Inc. reported to XXXX without my consent and inaccurate information, has caused me damages. XXXX fired me. My well being is suffering because Checkr , Inc. decided to provide an inaccurate report without my consent as well as not provide personal interviews with my neighbors, friends, or associates or with other whom I am acquainted with. I never got any notice this would take place. Those are all violations and I am seeking monetary relief. The damages has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Several years I've tried to

ge t a Home Depot credit card but I'm always denied for an inaccurate reason. Today was the first time I've spoken to an agent that I could understand. I have Good credit yet they constantly put me on hold and then ask is there another number that I can receive text I reply no. I have one mobile number and one home no matter which I give I'm denied.

Each time I'm being denied my scores drop. I'm being unfairly denied for some personal reasons by Home Depot Credit Services. The credit card services CITI Bank told me it was Home Depot decision although I have a credit card from the same provider. 

Dates : XXXX thur XXXX denied Home Depot  : untruthful and misleading

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 2020-12-29
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:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-10-01
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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2023-01-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : NONE There should be no other listing of misspelled names remaining. I have found 11 differnet spellings and 8 wrong addresses on my report. 

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 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 2020-10-01
Company: EQUIFAX, INC.
State: VA
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 have two accounts/creditors on my credit report that list me as an authorized user. These accounts are not mine and I have not authorized anyone to add me as an authorized user. I have tried to get these removed by the creditor but they have not done so. 

I would like these accounts deleted from my credit report. 

XXXX / XX/XX/XXXX {$200.00} XXXX XXXX / XX/XX/XXXX {$1700.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TD BANK US HOLDING COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have reported the unauthorized charges made to my credit card account to TD BANK USA and they have not worked with me to resolve this report of fraud on my account. They refuse to reverse the charges. I immediately called to report the unauthorized use of the card and twice submitted their Fraud Questionnaire as required. They are giving me the 'run around '. 
All of the charges totaling {$750.00} listed below were NOT AUTHORIZED BY ME. 
Some person, unknown to me, used a credit card that was apparently diverted by mail to make a series of fraudulent charges to my XXXX XXXX account in the transactions listed below. 
I am disputing all of the listed charges. 
Also, I have never processed a CASH ADVANCE transaction for {$400.00} at any time on this account. 
Let me know if you have any questions. 

Posting Date Description and Amount Category Comments XX/XX/2019 XXXX XXXX XXXX XXXX TX - {$320.00} Auto Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX MON XXXX XXXX CA - {$11.00} Travel XX/XX/2019 XXXX XXXX XXXX XXXX TX {$400.00} Cash Date of transaction XX/XX/2019 XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX TX - {$11.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX TX - {$1.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Miscellaneous Transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Zip : XXXX Merchant : Miscellaneous Transaction Date : XX/XX/2019 XX/XX/2019 Original Amount : {$12.00} INTEREST CHARGE- CASH {$7.00} I would like to have these charges removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
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:
AFTER I DEDICATEDLY FOLLOWED ALL THE REQUIRED PROCESS IN ORDER TO PROVE THAT I AM A VICTIM!? HOW COULD YOU HAVE DENIED MY REQUEST WITHOUT A SPECIFIC EXPLANATION!? Let me begin by highlighting my incredulity at your audacity in deeming my documents as " INVALID. '' I provided comprehensive documentation, carefully and meticulously following your instructions to substantiate my dispute to remove these fraudulent accounts : 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 What further exacerbates my irritation is the evident lack of compliance exhibited by your bureau in handling my case. The Fair Credit Reporting Act ( FCRA ) clearly stipulates that credit bureaus like yours are legally obligated to conduct a reasonable investigation into consumer disputes. This includes a thorough examination of all documentation provided, as well as a diligent effort to resolve the dispute within the mandated time frame. 
Your inability or unwillingness to fulfill these fundamental obligations is a blatant violation of the FCRA and raises serious concerns about the integrity of your operations. I insist on receiving a detailed account of the actions taken, or rather, the lack thereof, in handling my dispute and the specific reasons behind deeming my documents " INVALID. ''

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXX XXXX had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXX XXXX but they have yet to correct the information on my consumer repoort.

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 2023-08-08
Company: EQUIFAX, 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 one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX  XXXX. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: IL
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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was solicited for a refinance option on my existing mortgage from NewRez LLC and on XX/XX/2020 had completed the application and received acknowledgement of the initial application. To date, I am still waiting to close on this loan. I have provided all necessary documents and signatures as requested. The main purpose of this loan was to remove the PMI insurance on my current FHA loan ( note in excess of {$250000.00} equity on my current loan ), and reduce the term, ( 25 years left on current loan to 20 on the proposed loan ) and finally lowering the percentage. I received a note that there could be delays due to heavy volume but given this loan is on an existing customer of several years and have excellent history on my loan, believe I am being discriminated due to age and I have just been retired by my company.

Company response to consumer: Closed with explanation