BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit reporting agencies have inaccurately attributed a bankruptcy listing to the US Bankruptcy Court as the source of this information. This data can not be substantiated or validated, as the courts do not engage in the verification of bankruptcy listings. Instead, this information was obtained from a third-party reporting agency and should therefore be removed. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if the credit bureau is unable to validate information with the original creditor, they are obligated to remove it from the consumer 's credit file. The Bankruptcy Courts have also confirmed that they do not furnish information to credit reporting agencies and do not validate or confirm public records. These records are collected by credit reporting agencies and third-party providers, and they are not validated by the U.S. Court system due to privacy laws. 

Inquiries made to the U.S. Bankruptcy Courts have verified that XXXX Credit Bureau has never validated or verified these public record entries on my credit report, nor will they do so in the future. It has been emphasized that the U.S. Bankruptcy Courts are not liable for the misuse or dissemination of incorrect public records, often reported by third parties without the consumer 's knowledge. 

Given the potential violation of the Fair Credit Reporting Act, I am requesting the immediate permanent deletion of the bankruptcy information associated with my social security number from my credit report. XXXX Credit Bureau is also required to provide me with copies of all documentation related to these Public Record Accounts, including any court orders or authorizations bearing my signature, which would authorize the inclusion of this information in my credit report. 

To comply with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are obligated by federal law to physically verify the original signed consumer contract and/or judgments for all accounts and public information reported on credit reports. Failure to do so could lead to the inclusion of fraudulent or erroneous account information. 

If this unauthorized public record information is not removed from my credit report within the next 30 days, I reserve the right to pursue legal action against the XXXX XXXX XXXX XXXX. I will seek damages of no less than {$5000.00} for various reasons, including but not limited to defamation, negligent enhancement of identity fraud, violation of the Fair Credit Reporting Act, and Consumer Financial Protection Bureau regulations. 
Please make these credit reporting agencies comply, 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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My XXXX XXXX XXXXXXXX account was closed by XXXX XXXX, due to the fact that XXXXXXXX XXXX XXXXXXXX is no longer in business. This cause my credit score to drop. I has not be penalized for the company going out of business especially seeing that my account was always in good standing.

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 2021-05-02
Company: Dovenmuehle Mortgage, Inc.
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Dovenmuehle employees getting kickback from a crook  that stole XXXX XXXX XXXX XXXX XXXX see XXXX XXXX then XXXX {$6.00} bill tax asset.  " 08extraordinary year 'XXXX wink Stolen from U.S.! so he has cash to buy off Dovenmuehle with kickbacks. He is buying home for XXXX the value of a stolen XXXX XXXX valued home of a senior citizen!! 
identity theft, ( driver 's license stolen and forged deed ) she made payments for 42 years on the same Property, the Identity theft, forgery, deemed Credible by fbi XXXX office, SEC XXXX XXXX Id theft guy Stole {$80000.00} cash out stolen 2 recent mortgages identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file 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 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 2021-12-31
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hi. On XX/XX/XXXX we had ordered a {$50.00} vanilla gift card for a doctor that makes home visits. 2 days later I received an email from the company saying that the order was on its way and what arrive in 5 to 7 business days. Today is XX/XX/XXXX and the recipient not received anything as of yet. I have called the company on at least two different equations and have been told that will show up eventually. The 5 to 7 business days has long gone by and I would appreciate to know what is going on with this card. The customer service people are less than helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dispute-Hard Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called XXXX for inaccurate inquiries/other inaccuracies- XXXX took few disputes on phone, stated I had to call companies re : hard inquiries.

Called XXXX- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands XXXX cards, but no hard inquiries done- XXXX XXXX agreed/confirmed no hard pulls are done when being added as an AU to husbands XXXX cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 XXXX hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding XXXX assistance w/ this issue- I told her XXXX was 1st called- no help- XXXX stated that they couldn't do anything-I had/needed to call creditors. Therefore XXXX was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The XXXX XXXX customer service was super sweet and my complaint is not against her. I hate to make a complaint about XXXX XXXX, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX tells me to call the furnishers, they cant do anything. XXXX  makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

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 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing information on my credit file and noticed Bank of America was reporting 2 old  accounts. I asked for BOA to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.

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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt is a debt that I paid until I found out that I have the right to have the debt XXXX via remittance coupon method. They then took remorse against me by closing the acct and charging the debt off placing it into collection. They have reported the collection acct with a pass due amount of {$9200.00}. This is a violation of the FCRA and also in violation of requisite XXXX Complaint reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations. I have the right to a fair and accurate credit report. 

In addition, according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) is also a violation of requisite ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting that the following items be removed from my credit report immediately because I was informed that I had the opportunity to opt out I was not given the opportunity to opt out and according to 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave consent ( written instructions ) to report collections, charge offs, late payments to 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 explanation
Consumer complaint received 2023-01-03
Company: FISERV INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Account ending in XXXX XXXX i paid XXXX to XXXX to pay mortgage through XXXX XXXX XXXX XXXX XX/XX/XXXX - An automatic payment was pulled to pay mortgage to XXXX for XXXX by accident. Making my account in the negative for insufficient funds I realized i made a mistake and called to cancel this payment. This payment was returned on XX/XX/XXXX as a returned item {$1400.00}. I cancelled the payment via online and asked the XXXX  rep that I was speaking to at XXXX XXXX  to cancel payment on his end. He said he will do his best. 
XX/XX/XXXX money was re pulled to make the payment but there was ins officiant funds. All these transfers match up on my checking account equally so that my payment was good for XXXX. 

in XXXX I received a letter from XXXX that I missed my mortgage payment. I didn't understand what happened... Through lots of phone calls and conferences between XXXX XXXX and Fiserve it was found that XXXX returned the {$1400.00} on XX/XX/XXXX due to me being short {$5.00} of my payment. For some reason Fiserv never credited my account for that money. My bank account still does not show this return. Fiserv said the money was theirs and I don't need to show the action on my account because they put the money out for me supposedly. We went back and forth for a while tracing numbers and phone calls with TD ( XXXX a XXXX at XXXX XXXX  ), fiserve, XXXX XXXX XXXX. Several cases were opened. In XXXX I received two letters. One letter stating that the {$1400.00} will be returned to me. The other stating a solution was resolved. The {$1400.00} was returned to my account in XXXX and I sent it to XXXX on XX/XX/XXXX to make up for the XXXX missing payment. Which I thought was the right thing. 

In XX/XX/XXXX, months after I thought this was resolved. I recieved nasty calls from a collection company saying they represent fiserve and i owe XXXX due to a payment from XXXX After going back and forth I explained that this was cleared up and I don't owe any money, It was a clarical error on XX/XX/XXXX that was lost and cleared up in XXXX. 

Since this time Fiserv has not been cooperative. I asked for a written statement of what they are saying. I have tried to get XXXX  to help me with handeling this situation but every time I call it is a new representative and every person interprets the siduation differently. Now Fiserv has put my account on hold. I can not make any payments for my mortgage nor other credit card companies.. I can't access my bill pay addresses until they get thier money. I do not feel I owe money. I feel this was a document error. XXXX  approved that it was wrong and refunded me the money. If I needed to pay Fiserv in any way shouldn't XXXX  and Fiserv have communicated that in a letter??

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 2023-07-29
Company: EQUIFAX, INC.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$50.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX Owed : {$670.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
At the end of XX/XX/XXXX, I called customer service regarding my XXXX XXXX XXXX credit card. The specific reason for my call was to confirm the details of the benefit change for the {$300.00} annual XXXXXXXX XXXX and the new {$25.00} per month restaurant credit. The annual fee had just been renewed on my credit card and I wanted to confirm that I would receive the {$300.00} annual XXXX XXXX  if I made a XXXX hotel purchase by XX/XX/XXXX. The Amex phone representative confirmed this and as a result I cancelled a free hotel night at another hotel chain and instead made a purchase at the XXXX XXXX on XX/XX/XXXX which was for over {$300.00}. 

When I called later to inquire about why I had not received my {$300.00} XXXX XXXX, I was told that it was based on my renewal year. This information was not disclosed to me by the phone representative and also a reasonable expectation would be that the renewal year would coincide with the time that the annual membership fee is billed. If this was not the case, I should have been told by the phone representative. 

I called and submitted a complaint to American Express regarding this issue on XX/XX/XXXX and requested that my case be reviewed and exception made to give me the {$300.00} XXXXXXXX XXXX I was told that the original call would be reviewed in 48 hours. It has been over two months and my case XXXX is still outstanding. I called again today on XX/XX/XXXX and the issue had still not been resolved and the phone representative could not find the case number and said that I should contact XXXX to find out about a complaint with American Express. 

As of today, XX/XX/XXXX, I have still not received a response from American Express on this issue and complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone has been using my information to open lines of credit, credit cards and bank accounts. These inquires dont belong to me and should not be affecting my credit score by appearing on my credit reports. Please have these removed ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry dateXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, 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 2023-07-29
Company: EQUIFAX, INC.
State: LA
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 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
My credit card auto payments from when I was married with my ex husband on our joint account are now being returned to my credit card because he's disputing them as fraud since I am no longer on that bank account since he took me off. All of the payments were done out of our joint account and with my paycheck that was being direct deposited into the bank account. So now he's steeling my money back. Capital One have so far giving him 14 months of payments back. Called capital one and they told me there was nothing i could do since my name isn't on the XXXX bank account the auto-payments came from originally and told me they can go back up to 9 years since I had the credit card account. So now they're wanting me to pay my payments twice.

Company response to consumer: Closed with explanation