BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
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:
Id like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX According to FCRA Section 605B ( a ) the Transunion shall block 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.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite my previous attempts to address this matter, I am disappointed by the lack of progress and attention given to my concerns. 
Account XXXX : XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have thoroughly reviewed my credit report and identified several instances of reported late payments that are factually inaccurate. I dispute the accuracy of these late payments, as I have consistently made timely payments to the aforementioned creditor during the periods in question. 
I have previously submitted disputes regarding these inaccuracies, yet no progress has been made in correcting this issue. Moreover, the lack of communication and transparency in the investigation process is concerning. I have not received any updates or information regarding the status of my disputes, and it appears that the investigation has not been conducted thoroughly.

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 2022-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For over 34 days, B of As frauds dept has linked my mobile banking app. I had been sacked some time ago but they need not do this every day. They will not verify my account, keep telling me to go into a bank. Ive done so 3 times, the last time walking XXXX miles in a XXXX XXXX 

I changed my phone number 30 days ago but B of A still has not corrected it. Ive never seen such poor customer service in my life. My number is NOW ( XXXX ) XXXX but they have something else. I went inside and the lady did not understand me. My atm card works fine but their XXXX mobile banking app doesnt. 

I need this fixed immediately. It wont let me change my password, just keeps looping to the same questions, last XXXX digits of my atm card and my social then I press continue and it does it again. I did it XXXX times once. Look at the transactions and youll see.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your 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 2023-08-09
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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 have previously disputed inaccurate & false information that doesnt belong to me, is fraudulent & affecting my credit profile. Therefore any accounts stating verified without physical verification of the original signed consumer contracts, any & all accounts posted on my credit report based off Section 609 ( a ) ( 1 ) ( A ) according to the FCRA are required by federal law to verify..

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 2019-10-18
Company: Experian Information Solutions Inc.
State: IL
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:
All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately.

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation.

5. XXXX XXXX : Accounts XXXX, XXXX, and XXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the 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 2023-08-09
Company: EQUIFAX, INC.
State: SC
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. Required the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had purchased a GAP Store Credit card due to some promotion. However, I was not communicated properly for the balance ( which I had assumed that I had paid off ) and was reported late payments multiple times by the same vendor without proper communication. When I had finally checked the XXXXredit score and noticed the late payment. I had immediately paid off and closed the card. However, it was very late then. The store did not do a proper job in communicating the late payment and had reported it to the credit bureau without my knowledge. This has badly affected my credit score and it does not go away even after 4 years. I would like to request to remove my late payment from my credit report as soon as possible.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: CO
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:
Around XX/XX/2019 am unauthorized hard inquiry was done on my credit through a Vendor, XXXX XXXX XXXX XXXX XXXX XXXX   with XXXX XXXX. I contacted both and Experian to correct this. In fact I already filed a complaint with CFPB within a week or so of it occurring. Meanwhile, I was in touch directly with all concerned and was told it was all fixed and removed from my credit report, etc. Meanwhile, it it is still on record as a hard inquiry and will be for the next 2 years or so. I have tried many times to correct this and was on endless hold with Experian and have not been able to make contact with anyone to correct, hence this complaint.

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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  and Transunion are reporting incorrectly a charge-off in the amount of {$470.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had auto insurance using this XXXX XXXX with no plm until my travel trailer was stolen. I then reported the theft. I got the paid out check from them for the loss. However, they charged me for auto and travel trailer of under {$300.00}, but they then realized they made a mistake assuming I still have the travel trailer. I did not have it aince XXXX, XXXX. They charged me miatakenly after I called them on why they charged me too high. They fixed it. And I allowed them to take my money using the auto pay system. However, they were going to charge me more than normal. I called last week why they are high. They said it is due to accident in XXXX, XXXX. But that was already counted on the previous policy. Inatead of keeping it same as before, they would charge me for under {$350.00} or more. The truck is only XXXX. The XXXX XXXX ripped me off big time. Plus they used my credit score or report without my permission. I wanted to purchase a life insurance and they rejected my application to get a life insurance. See their letter. Again, they are being cruel to me. The credit score changed for some reason. Also, the amounts of money they took from my bank were irregular. They did not take the same amount per month. They are not balancing right with my bank account and insurance policy. Very fishy. XXXX did have repeatedly used very, very, very old information on my credit record. They are probably XXXX setting me up to fail and keep me stuck in the level and would NOT let me cross XXXX. I see their credit repoets do not have 2 apartments information that I had/have lived. No credit record was charged at all before and after living in apts and using utlities. No changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX - Set up manual payment for total credit card balance of {$1400.00}. No indication in online account portal of any auto pay set up. This is a card not used since XXXX. 
- BoA processed auto pay for {$1400.00} on same date, resulting in overdraft on bank account and + {$1400.00} balance on credit card. 
- Called BoA on XX/XX/XXXX after seeing duplicate payment, stated they would issue refund to my bank account within 10 days. 

XX/XX/XXXX - Had not received refund ; called BoA. They claim to have issued refund on XX/XX/XXXX. Refund erroneously sent to an account at XXXX  XXXX XXXX XXXX not ever associated with me. 
- BoA claimed they would reverse this, issue refund to correct bank account that BoA has on file ( from where they debited my payments ), and have XXXX call me by XXXX  XXXX XXXX. 

XX/XX/XXXX - Did not receive refund or call from BoA manager as promised. Agent claimed they would issue a refund within 10 days still. Could not connect me with supervisor or manager -- claimed one would call me in 24-48 hours. 
- Asked for them to walk me through my autopay settings -- to see where it is set up and configured. Places to click apparently not showing up in my online portal. Agent said she spoke to a supervisor and they said that auto pay is not set up on my account. This is despite BoA processing an auto pay that led to the initial overpayment on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My home was damaged by XXXX XXXX. Insurance company issued money to fix home in the amount of XXXX. The contractor has submitted invoices, release of lean, also had inspection done to get portion of work that has been completed for payment. So, far XXXX, XXXX of work has been completed. They have only released XXXX and has not released any more money. I have been in a hotel since XX/XX/2023. The contractor can not complete any more work without getting more money for supplies and to pay vendors who have completed their work. I have called over 32 times and have submitted every piece of documentation they requested. They do not give you the option to talk to upper management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As of XX/XX/2023, I have sent letters asking the reporting agencies to furnish the supporting documents and PROBABLE evidence that I have any obligation to the mentioned accounts.

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 2023-02-03
Company: EQUIFAX, INC.
State: MD
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation