BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EdFinancial Services
State: PA
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:
EdFinancial has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. 
Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not XXXX XXXX  to this lender. I also didnt sign an agreement, nor take out these loans with EdFinancial. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo and the Payroll Protection Program. When contacting the bank on Monday morning, I was told the funds had already been depleted. Apparently the bank was opened on " Sunday '' and the window was closed within hours. What bank does its business on a Sunday. This bank should have been dissolved as their practices are still questionable at best. If my business should survive this government mandated XXXX  process, I will be switching financial institutions.

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 2019-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I have had an account with Bank of America, originally with MBNA since the early XX/XX/XXXXs when in college. I have paid this account diligently over the years - using it when needed. Since XX/XX/XXXX I have been living overseas, mainly in XXXX and XXXX working as an XXXX XXXX XXXX. I am an American citizen born in XXXX XXXX. I have continued to pay on my account through the online portal with no complications. I recently moved back to the US ( XXXX ) and discovered - only when I applied for a car loan - that BOA cancelled the card almost two years ago. You can imagine my confusion, as the portal has been completely active with absolutely NO indication the account was closed. I have not attempted to use the card in several years as I was paying off the balance, so no more the wiser. 

As a US citizen relocating back from an overseas post this has been devastating to my credit. I continue to pay on the card - I had no idea until a month ago, was cancelled a few years ago ( again, registered for online payment, no paper content ) I contacted BOA, with lots of confusion on their part, even being told by one employee 'we are shocked you have online access, when the account it closed, you are generally locked out. ' Hmm. I asked for it to be reinstated - only to receive a notice in the mail that my 'new account ' was not approved. Yes! It would not be as they have trashed my credit score - this letter did not even note I was a 'previous ' ( while I still believed I was current ) customer. I do not think in the review process they even saw the moving parts of the human behind the request - their customer. 

This is extremely predatory of the Bank of America. I have been a customer since the early XX/XX/XXXXs and even though I am still an active paying customer they have reported me to the credit union that my account is closed - thus making me appear as the liability. This is destructive for me and my family, including XXXX minor children. I would like the account reopened, not as I want the credit, I want it paid off - but to repair my credit. At a minimum, I need Bank of America to remove this black mark they have created, without even having the respect to let me know. 

Thank you for your time and help. Please let me know if I can provide any further information. 

Best Regards, 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 2023-08-09
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, I saw that app XXXX XXXX on Tuesday XXXX XXXX. I open the app to see what it was about and I was prompted to take a quiz. After answering the question, the option for time frame and cost appears, I choose the {$2.00} a week. It was not stated that any money was being taken immediately, most certainly not for the entire year. I had the subscription cancelled and After seeing 1st {$71.00} declined and then {$17.00} being stolen from my CashApp account. I was lend to believe nothing upfront and if so {$2.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
XXXXXXXX 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 XXXXXXXX has violated my rights. 
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 2023-08-09
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've purchased a {$500.00} worth Vanilla visa gift card. Which not working anywhere when it's checked its showing my card is hold contact with support by call, then I called them was able to connect with someone after around 1hr then he checked & told me for try it later. few times I did same things & got same suggestion from them. 

My card number is listed below. 

XXXX XXXX CVV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-18
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to pay ahead on my mortgage to create a financial cushion for my family. I have tried many times to pay online with Mutual of Omaha. They only provide options that include a split of your principal and interest, something no one can know when they pay, it changes monthly! There is no way for someone to pay ahead, online. They only allow me to pay ahead if I call the company and pay a {$12.00}, per payment, fee. I can also mail in a check but that can take a long time to clear, and it could default in my account. I need to find a way to make a payment ahead that doesn't penalize me for paying ahead. I have also spent many hours on customer service trying to find a resolution and they refuse to offer any answers. The inability for me to pay my mortgage up front has now almost eliminated our financial cushion, and put our future in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: MicroBilt / PRBC (formerly CL Verify)
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:
Improper credit reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: EQUIFAX, INC.
State: NJ
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:
Okay this is my third complaint against Equifax. They have not fixed my credit report as of yet. I have called and they said that they would have it done in XX/XX/2019. They also stated over the phone they removed a credit freeze. I just pulled my credit report and nothing has changed. I have two negative accounts and no history that they removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
See Attached : Look at circled items in the enclosed attached fileXXXX XXXX XXXX XXXX XXXX is reporting a bankruptcy on my consumer credit report and they have the data furniture as being XXXX which is false. I have attached a letter from XXXX XXXX showing that that can't be the source of this information. I also have reached out to XXXX and have a letter from them stating they did or do not report to any credit agencies. Finally I have official statements from two California Courts stating that they also do not report or provide information to Experian or any credit report agency. So Experian is falsely reporting that XXXX XXXX has verified this bankruptcy and two Experian is falsely reporting the INCORRECT information about who the true data furniture of information is. Both are violations of my rights. 
They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed {$4900.00} for the XXXX XXXX XXXX XXXX XXXX that was added to my credit report in error, this account was opened fraudently and does have my correct social security number. My identification was stolen and someone opened this account I disputed this account with all three credit bureaus and this account and was advised this was verified but it was not verified because my social security information is not correct on this account. XXXX has removed this account because it could not be verified but it is still showing opened on equifax and experian which violates the fair credit report act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: NC
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 disputed this item on several occasion. I contacted the creditor and also received information that is not correct. I sent what I received from the creditor along with a dispute and this item was not removed from my credit report which violates the credit reporting act. As stated if the information is not correct it should be delegated from my credit report. This has caused hard ache with me trying to purchase a home. Experian states they have verified but never provides source of verification or validation as requested in which also violated my rights.

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 2019-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I received two separate unauthorized transactions in the amounts of XXXX USD and XXXX USD originating from XXXX XXXX XXXX, XXXX despite the fact that I reside in XXXX, FL and made prior purchases in XXXX on the same day. I promptly contacted my Bank of America fraud department as I didnt authorize the transactions and spoke with XXXX, in Bank of Americas XXXX office, who promptly closed my card and opened a claim and informed me that as soon as the charges posted, I would be extended provisional credit while the claim was being investigated On XX/XX/XXXX XXXX, I contacted Bank of America once again by phone and advised that I had not yet received provisional credit as promised and was informed that despite the prior agreement, I would not be receiving credit until the investigation was finished, but that she would request a hardship credit. 

On XX/XX/2019, I called once more to follow up on my claim and was informed the matter was still under investigation and that I would be informed by XX/XX/2019 of either the outcome of the investigation or of provisional credit. 

On XX/XX/2019, I was sent an email that the dispute was rejected without a basis for that decision. 

Upon contacting again on XX/XX/2019, I was informed by XXXX in Bank of Americas Tennessee office that the claim was rejected solely on the basis that there were no other transactions attempted on the account after the initial fraudulent transactions. I, then, requested an appeal and was informed that Bank of America would reconsider the claim, but theyd have 45 days to make a decision and wouldnt have to extend provisional credit in that time, which indicates that they may have denied my claim to circumvent the Regulation E requirement to extend me provisional credit within 10 business days of the claim date

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 2021-05-23
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Discover card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.

Company response to consumer: Closed with explanation