BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I recently disputed federal student account that were removed from my credit report, after I sent disputes letters one XX/XX/20 about the validity of the accounts referenced in " attached '' documents. They failed to provide original documentation supporting the alleged claim that I own a debt to them. 

It is unlawful to remove accounts from my report and then add them back, I haven't received valid proof of validity. Also I was not notified of alleged debt a minimum 5 days before it was reported to my report which is false reporting! 

Therefore you are in violation of : -15 U.S. Code 1692g ( 4 ) -15 U.S.C. 1692g I will file for litigation if the violation of my rights continue, ALL accounts in my " attached '' letters need to be deleted from my report immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX  XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2020-09-28
Company: Selene Holdings LLC
State: NM
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:
In XXXX, I lost my job and we were forced to do a XXXX on our home with XXXX XXXX. After we signed the paperwork, XXXX XXXX sold the mortgage to Selene Finance without taking possession of the property. 

Selene Finance immediately filed for foreclosure and we did a XXXX with them. By XX/XX/XXXX, the property had been transferred and the foreclosure dismissed. 

After that, Selene Finance falsely reported that we owned them {$33000.00} to the credit agencies. They knew this information was false when they reported it. 

This does not appear on any of our credit reports. It only appears on the credit reports that lenders receive. We have been denied credit twice because of it and are in the process of being denied a mortgage I contacted XXXX XXXX at Selene Finance, the manage who handled the XXXX who told me that the information was not correct and that we don't owe Selene Finance anything. He had me send an email to their Customer Support, which I did, to get documentation to that effect. 

I followed that up with a phone call to Selene Finance CS and they acknowledge that they got the email and that the information is false but refused to provide us any documentation showing that we don't owe Selene Finance anything. 

We are about to be denied credit for the third time because of Selene Finance. 

All because Selene Finance knowing reported false information to the credit bureaus - information that is not shown on our credit reports - but has made it so we can't get a loan for a house or anything else. 

Worse, they admit the information is false and are refusing to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Opened a checking account in Bank of America, applied for a credit card, never got any response, i doubt they even actually did the application, i call every couple days i get told that i need to wait and the last day i called i was called that they couldnt even find the application for my credit card. 
I have a friend in the same situation as me, who applied and opened a credit card in 2 days. I use my account and i went to an atm to withdraw XXXX dollars it only gives me XXXX dollars, i call so i can get my money back, i was told that i was gon na receive a temporary credit in 2 days at most, call again ask about it after 2 days, they say that it was misinformation and that i need to wait, i ask them why do i have to wait so i can get my own money and that its a technical error from your part, they dont seem to care about my person and send me flying, i also got on the phone with a representative from Arkansas who was slightly aggressive towards me.

Company response to consumer: In progress
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My business checking account was closed by the Bank of America in the beginning of XXXX, 2022. And they said the check was issued out to me on XX/XX/XXXX. I still haven't received the check yet. I even went to the branch and tried to talk with the bankers, they said they can't do anything for me because the account was closed by the internal department. They just let me call the customer 's line to check the process. I attempted for couple times, no one could solve the problem or give me an exact answer for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi I filed a complaint previously with CFPB regarding this and was told US bank was working on it. I had since then spoken to them many times and was told to wait for 90 days for them to provide a resolution. After waiting for almost 100 days, I contacted US bank 's fraud liasion and was told if US bank doesn't hear from the other bank for 90 days, US bank is going to cover the funds that were fraudulently cashed out themselves so my understanding is I would receive the funds past 90 days waiting period. However, today I reached out to US bank again and they told me no, I had to keep on waiting ( and they said there was no timeframe for that?! ) This is ridiculous. I have also asked if they would provide the contact info of the other bank or the name of the bank and they refused to provide that info. I reported the issue to them XXXX last year, and it has been over 7 months now.

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 2021-03-11
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: Account status incorrect

Complaint:
I want to file a complaint against Equifax for reporting incorrect information on my credit report. I paid off two negative accounts on my credit report XX/XX/XXXX and they were removed from my credit on XX/XX/XXXX. Then Equifax added them back on my credit report on XX/XX/XXXX as unpaid. I have disputed this numerous times and it has still not been resolved. I have the documentation from the credit reporting agency stating that these accounts were paid off in full and they still want remove them. I have also contacted XXXX directly to have them send another deletion letter to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2023, I was charged over draft fee for my account after an internet transfer. I specifically mentioned that I wanted absolutely NO OVERDRAFT FEES that I didnt even want it as a possibility in any form whatsoever. Made it very clear. Yet After transferring money It over drafted. They mentioned I had to come in and sign something for me to turn that specific function of over draft off, yet they never ever mentioned that during the sign up process. They hide it and expect me to know thats how they work. I mentioned very much the issue and my concern for over draft, {$38.00} worth of an overdraft charge. Very disingenuous, I dont like that they hid it from me. I called and they said there is nothing they can do. It was a lack of information and definitely a fault on the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, 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:
Equifax has not removed the information, fraudulently listed on my credit report. 

The following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX i added 7 year fraud alert and equifax did not add the extended fraud alert. 
all accounts are fraudulent i never opened any of the accounts. Also, I have a letter from equifax that they removed the information. However, the following month they reappeared. Equifax receiving kickbacks from companies to maintain fraudulent information on respective reports. Equifax is run by a consortium of scam artists and will not exist by the next fiscal year. 


equifax needs to MAIL ME RESULTS I AM OPTING OUT OF WEB BASED " E-FILE '' RESULTS PHYSICAL MAIL ONLY social security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer report and noticed some late payments on there from XXXX XXXX Consumer reporting agencies have assumed a vital role and have responsibility to report complete and maximum accuracy on a consumer report in complete with regards to 15 USC 1681e. Furthermore I am demanding the late payments be deleted and the XXXX XXXX account be marked Paid As Agreed in accordance to 15 USC 6802 and 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: Experian Information Solutions 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 closed a credit card for lack of use, No Foul. then sent a derogatory report to experian credit co. I asked the XXXX XXXX why they did this, they could not give me an answer. soon after this my credit score plenished. my XXXX XXXX account was lowered from XXXX XXXX to XXXX XXXX. My XXXX XXXX account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?

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 2017-03-25
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never given any information regarding the debt being collected. I never received a letter regarding the debt verification. I have plenty of information on the falsification of the amount of debt that is owed.The rental company also submitted the debt almost 2 years after I had vacated the home. When I attempted to get information about the debt and what I was getting charged for, to sent me a " Make Ready Expenses '' report, with no receipts and no explanation. They just kept telling me I had to pay the debt with in 24 hours or they would prosecute. 

I was charged on their " Make Ready Expenses '' report for {$1400.00} for AC expenses over the period of almost a month. I was charged over {$1500.00} for landscaping cost, which was part of the dump pile they left when we first moved in ( it 's on Move In damage list report. 
All of these fees including the landscaping, and AC totaled {$5500.00}, with no explanation with most of these repairs being something we struggled with the whole time living there. 

They charged me many fees on trash and dump, which they allowed someone to come into OUR home while we were in the process of moving out and had stuff stolen, aquarium broken, and boxes that were gone through. 

Through out the time of living there, we had to deal with mice, them coming out constantly to fix the AC, as well as fighting XXXX when we first moved into the home. Which I requested an extermination to be done prior to move-in that was never done because of the countless bugs we saw during walk through. The only reason why they called an exterminator was because my roommate received a letter from the doctor stating the home was hazardous to her health. 

Moving into the home there were countless holes and damages as well as the yard being poorly maintained, and constantly high water bills because of the leaks.

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 2019-02-13
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Phoenix Financial Serv has placed an account on my credit report showing opening date of XX/XX/2018. Never heard of this company nor have I received any written notice in mail to dispute which is a requirement per law. Now that it is tax time, it has magically appeared on my credit without any notice violating my rights as a consumer. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is also a requirement to collect on a debt in state of Tennessee. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail but the credit agency is showing reported XX/XX/XXXX, so over 2 mths. I would like this removed from my file once and cease and desist also. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice, I have already sent this information to state of Tennessee for illegal collection activity in the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: CA
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:
I've previously notified the appropriate creditors about these bogus accounts, and I've sent along all the supporting documents needed to confirm their fraudulent status. Several credit reporting agencies have quickly deleted these accounts from my credit report after realizing the bogus activities. I respectfully ask that you expedite the investigation and swiftly remove the false information from my credit report since the other credit bureaus have successfully erased these accounts following appropriate verification. XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX customer service. I value your quick attention to this issue and anticipate seeing the repair appear on my credit record shortly. Additionally, I would like a copy of the most recent credit report to be sent to the address I provided above.

Company response to consumer: In progress
Consumer complaint received 2019-02-13
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Many numerous third party inquiries on my credit report that I did not ask for. Called many of them, and nobody picks up and states office hours are closed when theyre open. I never asked these people to inquire about my credit.

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 2021-04-02
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I'm filing for a complaint against Marcus by Goldman Sachs for : 1. Deceptive practice : Set higher rate 1.85 % APY CDs to auto-renew on XX/XX/2021 at a much lower rate of 0.55 % APY by default without customers ' clear understanding and explicit consent, and without adequately communicating to customers what to expect after auto-renewal ( e.g. the new APY, early withdrawal fees ), especially during the pandemic when we need the liquidity 2. Unreasonably high fees : Even though starting from the renewal day XX/XX/2021 we only earned ~ {$50.00} interests on the renewed CD, Marcus wants us to pay ~ {$600.00} to break this CD, which we didn't intend to or explicitly consent to have it renewed in the first place since we need liquidity 3. Not treating customers equally and fairly : On XX/XX/2021 when I called Marcus to get it corrected and resolved since I did not receive any communications and was not aware of the auto-renewal ( I normally receive communications on statements, rates, etc. ), Marcus claims they sent my husband communications. Upon checking, my husband  received just 1 email on XX/XX/2021 regarding the renewal, which contains no information on APY, nor information regarding early withdrawal so it didn't draw his attention at the time. However, as the equal joint owner I received no communications whatsoever on such an important topic, if I had received the same email ( even though it contains inadequate information ) I would have taken actions to stop the auto-renewal since I manage our households financials. Marcus claims my husband is the " primary owner '', but legally I have joint ownership and should have the right to be treated equally and fairly, e.g. be notified of important account changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CL Holdings LLC
State: CA
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:
JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX I tried disputing this many times with XXXX. The only XXXX XXXX I have ever had was prior 2016 and through a business account. When I contact XXXX they don't recognize account number or balance being reported by Jefferson Capital. When I contact Jefferson I can't get a hold of anyone that can bring me up in their systems. I have been disputing this with XXXX for many years and it is still appearing on my credit report.

Company response to consumer: Closed with explanation