BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion has been reporting the following accounts that XXXX XXXX is providing falsely XXXX XXXX has the following amounts on my account as Charge-Off accounts {$19000.00}, {$5300.00}, {$8900.00}, {$36000.00} and {$10000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. TransUnion is an not affiliate of XXXX XXXX. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX have noticed a fraudulent account appearing on all three of my credit report. 

XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX {$20000.00}

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 2023-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX I opened a credit card account only with Bank of America. When attempting to make a payment in XXXX I noticed a checking account was listed on my available accounts yet I didn't open a checking account with Bank of America. I made several calls on XX/XX/XXXX and XX/XX/XXXX. Each time I was told the account was opened online on XX/XX/XXXX. I explained I did not authorize this. I spent over XXXX hours on XX/XX/XXXX and a little over an hour on XX/XX/XXXX to only be disconnected when waiting for the fraud department to answer. Multiple representatives would transfer my call and the next representative would answer only to say they weren't the fraud the department but they would flag the account and transfer me on again. At this point I have no resolution and I do not know how my information was used to open an account that I did not authorize. 

To date I do not know the damage that could have been done, because I can't get Bank of America to take the fraud call and proceed.

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 2022-04-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
They are different name and different address on my Credit Reports and are incorrect

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 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a Bank of America Customer with a checking account with the Bank. I wrote a check dated XX/XX/2022 to the Los Angeles County Tax Collectors office ( LACTC ) to pay my property tax in the amount of {$14000.00}. This check posted/cleared on XX/XX/2022. I reviewed my statement online a few weeks later, and everything from the face of the check was in order, as were all the other items on that months statement. However, on or about XX/XX/2022, I received a notice of delinquency from LACTC. That notice of delinquency was the only way I couldve reasonably determined that there was a problem with the check and that it had been stolen in the mail or by someone at LACTC. I immediately contacted Bank of America on XX/XX/XXXX or XXXX, XXXX and spoke to a customer service rep named XXXX. XXXX advised that the issue was most likely a misallocation mistake by LACTC, as a random individual can not simply take a check written out to LACTC and cash it themselves, according to XXXX. I then proceeded to navigate the bureaucracy at LACTC, and on XX/XX/2022 LACTC informed me that they definitively determined that they never received the check. I then immediately on XX/XX/2022 called Bank of America to file a forgery claim on that check with the Bank. They took my initial information and assigned me a claim number. ( XXXX ). After that, Bank of America never contacted me despite my numerous status inquiries. They never asked me for more information or to fill out any paperwork. They simply summarily denied the claim 90 days after my claim was filed, on the grounds that my claim was outside of the 60 day reporting period for fraud claims under the banks terms and conditions, and implied through boiler-plate language that I was somehow negligent. 

Bank of Americas denial is completely incorrect and in bad faith. First of all, California Commercial Code section 4406 ( f ), which governs here, provides that there is a one year reporting period for forged/non-endorsement claims such as this as opposed to check fraud. Second, theres no way I could have determined there was a problem with the check within the 60 day period as described above. Additionally, I was not negligent, but was victimized by a crime. Finally, Bank of America was negligent forp posting this check without an endorsement and providing no scrutiny. The bank manager at my Bank of America branch subsequently informed me that there are many identical cases involving checks written to LACTC being stolen in the mail and then deposited with forged check endorsements. She said its a big problem right now and that the Bank is aware of it. There are no other instances of check fraud/forgeries in my account this year or for the several years preceding.

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 2022-12-22
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: Account information incorrect

Complaint:
Over the past XXXX months, I have mailed various letters to the credit bureau in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate accounts reported on my credit profile. I have asked the bureau, Experian, to verify the validity of these accounts, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureau. The account that is inaccurately being reported is a XXXX XXXX XXXX and XXXX XXXX credit card accounts that reflects as charge-offs account on my Experian credit profile. The credit bureau refuses to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
They are different name and different address on my Credit Reports and are incorrect

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/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 2022-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX
SOCIAL SECURITY: XXXX
EXPERIAN CREDIT BUREAU 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  TODAYS DATE: XXXX
REQUEST INVESTIGATION OF CREDIT INQUIRY ON MY BEHALF. 
DEAR EXPERIAN, 
         AFTER A RECENT REVIEW OF MY CREDIT PROFILE ON XXXX I NOTICED A HARD INQUIRY FROM CAPITAL ONE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX  THE INQUIRY IS UNAUTHORIZED, INACCURATE, AND/OR MADE IN ERROR. 
THE FOLLOWING INQUIRY IS IMPERMISSABLE:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX ON XXXX.
PLEASE REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. SHOULD THIS COMPANY CLAIMED TO HAVE PULLED MY CREDIT REPORT VALIDLY, THEN IT IS WITH MY LEGAL RIGHT TO ASK FOR VERIFICATION DETAILS: 
1: THE NAME AND JOB TITLE OF THE INDIVIDUAL WHO PULLED MY CREDIT.
2. THE DATE THEY CLAIMED TO HAVE RECEIVED PERMISSION TO PULL MY CREDIT.
3. THE METHOD THEY CLAIMED THAT I AUTHORIZED THEM  TO PULL MY CREDIT. 
PLEASE ALSO ATTACH DOCUMENTATION TO SUPPORT THE VERIFICATION OF THESE CLAIMS. 
THANK YOU FOR YOUR PROMPT ASSISTANCE.
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 2022-11-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
5/3 bank sent a threatening letter saying that my hazard insurance had lapsed and that they were allowed to charge my account homeowner insurance during period lapse as per mortgage agreement. Letter states I need to show proof of insurance " immediately ", and it must be uploaded onto a certain website - not 5/3 rd webpage, not through 5/3 employ. Problem is- they NEVER checked with my insurance which is auto renewal so there will never be a lapse of coverage. When i called the number on the notice the lady said " don't worry you are fine, i see you up loaded info '' - I said problem is this is someones JOB - nobody ever checked- i should not be getting threatening letters. She said a manager would call me back - never happened. I called insurance company who confirmed- they would have shared info / or lender can " see '' by check some site that it is auto renewal. This is second year i have received this letter and done work for them uploaded proof of insurance. If they want patrons do upload proof of insurance each year- ask nicely, tell me at closing - Local branch also said they couldn't do anything about it as it doesn't come from them -- - Banks shouldn't be able to threaten patroons with large fees, and should do their due diliagence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
All incorrect address and misspelled names on credit report is affecting my score and I want removed from transunion XXXX and 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 2022-11-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is an auto loan debt/reposession reporting to my consumer report, and the account does not belong to me. This is a result of identity theft, I have been trying to dispute this matter with both the Credit Bureaus and furnisher, and the account still has not been removed and affecting me, my life, my children, and my family negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: National Credit Systems,Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted by ( certified mail via USPS ) XXXX and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. XXXX is reporting addresses that are not accurate or relevant. I did not give XXXX permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. XXXX is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

In accordance with the Fair Credit Reporting act ( National Credit System ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm really disappointed in XXXX XXXX, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time XXXX XXXX responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from XXXX XXXX so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a 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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a lifelong Texas resident. Bank of America holds my checking, savings, credit card, and home loan accounts for the last 13 years. On XX/XX/23, someone was able to walk into a bank in California and withdraw {$2700.00} from my checking account. I spent 6 hrs trying to resolve with BOA, frozethe account, opened a new one and they credited me the money back so i could pay my mortgage, only to learn that my savings accounts also had been emptied. in addition to the checking account withdrawal, a person walked into another bank ( s ) in person, also in California, and withdrew {$7200.00} in cash from my savings account. I filed a claim, and BOA is conducting an investigation saying it could take 60-90 days to complete. No guarantee timeline, no guarantee of returned funds that they GAVE AWAY to someone in a state i have never lived in.

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 2022-10-21
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: Public record information inaccurate

Complaint:
Hello I reached out to you all regarding a Bankruptcy being reported on my credit report. You all responded " The information provided to us through third party has been verfied to be accuarate and correct '' as a result this remains. 
Well this happned 8 times so i reached out to pacer and got a copy and the address below does not belong to me so the statement " The information provided to us through third party has been verfied to be accurate and correct '' Is neither accuarate or correct and you are violating my rights by failing to verify the information and refusing to delete negative inacurate information. 

I have included a copy of the findings

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