BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, I have a few accounts that have violated my rights. 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX LATE PAYMENT XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX LATE PAYMENT 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 an account without my written instructions 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-12-16
Company: EQUIFAX, INC.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
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: Account status incorrect

Complaint:
I have a Closed/ Charged off account that has awful payment history that was deemed as fraud. XXXX XXXX XXXX XXXX  XXXX XXXX have been made aware of this as has the 3rd party company that bought the debt. This card was opened fraudulently and I have no knowledge of this account. The account is finally showing closed, but it still hurts my payment history and shows as a negative account on my history. I am re asking for this to be investigated properly and fully removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage company charged thousands more at closing than should have been charged and never fixed it or offered refund. Even escrow company questions why they changed the balance amount by more than 10k than what we owed. We want our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 capital one acct # XXXX has violated my rights 15 usc 1682 section 602 A states I have the right to privacy 15 usc1681 section 604A section 2 states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2022-06-03
Company: Experian Information Solutions Inc.
State: MO
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:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Experian and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Experian sent a letter stating this block was an error. It was not. Experian has violated my consumer rights. According to 15 U.S. Code 1681i Experian is supposed to delete the disputed items during a full and complete investigation. Experian violated this federal law. Experian is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Experian to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Experian for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

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 2023-12-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited my XXXX check from my XXXX XXXX they placed a hold on it which is fine..XXXX  XXXX check cleared XX/XX/XXXX I went in they closed my acct that's fine but placed a hold on interested money XXXX I went in after they closed acct XX/XX/XXXX to get money they can't release my money because it's in a general ledger acct ..which XXXX XXXX could not tell me qhy nor qould she help me resolve this to get my.money .this is us bank XXXX XXXX XXXX XXXX ..they have XXXX which I need now my.mortgage and bills are late and Noone is helping me get my money which the Che k cleared XX/XX/XXXX it's now 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 2023-04-07
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00}, XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi, On XX/XX/XXXX at XXXX XXXX XXXX I tried to open a discover bank application online and was prompted to call XXXX to " Let 's finish together ''. 
I was on the phone with XXXX in Utah for 55 minutes. He said that I had an outdated bank profile from XXXX for Discover Bank and he had to correct all of the information in it. 
I submitted 3 applications online for a discover bank account and none of them were accepted. The latest application # is XXXX. 
Eventually, he transferred me to XXXX who was very rude and dismissive. I would like for XXXX to review my call with her. She told me that she could not accept the verification code from me that she sent and dismissed me to get my application notarized. When I insisted on using a second phone number she agreed. She should have offered me that option before trying to dismiss me. 
She continued to be rude, inept, and condescending throughout the call and I had to request her supervisor XXXX. XXXX promised to forward my complaint and have someone call me today. No one called. I don't know if XXXX refused to assist me because of my ethnic accent or if that is just how she treats customers, but this is unacceptable. 
I have been unable to open a bank account with your company because of this and she wasted a lot of my time. The call time was 1.5 hours when it ended. 
I want to make a formal complaint and I still need help with setting up a bank account. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at XXXX Huntington Bank authorized two debit card withdrawals totaling XXXX from a combination of savings and checking account to XXXX XXXX. At XXXX we called the 1-800 customer service phone number at Huntington and informed them these were unauthorized transactions. We filed dispute # XXXX with Huntington and when speaking with XXXX at Huntington she said that " nothing could be done until the transaction posted on Monday XXXX night. '' She stated transactions could not be stopped. On Monday XXXX meeting with XXXX XXXX, Branch Manager at Huntington Bank in XXXX XXXX XXXX at XXXX he also stated that nothing could be done until Tuesday after these transactions posted. On Tuesday XX/XX/XXXX at approximately XXXX an additional XXXX  was transferred by Huntington Bank to cover overdraft fees. Huntington is stating misleading information to us indicating a lead time of XXXX days and it may not be returned at all. We have filed a report with the XXXX XXXX XXXX, MN police - case # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, My name is XXXX XXXX, and I am strong XXXX XXXX XXXX Naturally, I applied for the Bank Of America ( BofA ) Alaskan card. I was approved. I while I was waiting to receive the card, I received a letter about my pending Bank of America Alaska credit card stating there was a fraud alert on my account. When I received the card in early XXXX, I called Bank Of America to inquire about the fraud alert, and also, I asked if I could use my card for a {$19000.00} roofing bill. The BofA rep said, " Yes, you can use it. '' I then attempted to use the card but it was declined. My husband and I used a different card. 

Upon having received my card, I added it to my digital wallet and made it my default card. I attempted to use the card for low cost items, but the card was still frozen. So, I forgot about it. That is, until I saw my XXXX charge that showed the XXXX  XXXX had been run and the charge posted to my account. When I realized this, it was when I received my first statement in XXXX. I signed onto the app and saw I only had approximately 20 days remaining to meet the {$3000.00} dollar card usage agreement to earn XXXX miles. I called BofA, spoke with a rep who told me she would request my account be given more time so I could meet the usage/spending requirements. The BofA rep stated I would receive a letter from them within a week. This was XXXX weeks ago.

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 2022-07-19
Company: Experian Information Solutions 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: 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 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX 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 XXXXXX/XX/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 2019-11-06
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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: 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 you are required by law to remove & block any items which are 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 block/remove these from my files : EQUIFAX : XX/XX/1971 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Genesis FS Card Services, 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:
My Identity was stolen and there are auto loans and credit cards in my name that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
Regardless of multiple written request, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX, XXXX, but no answered were ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$15000.00}. 
XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation