BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in XXXX forbearance program with XXXXXXXX XXXX XXXX effective XX/XX/XXXX. 
On XX/XX/XXXX, I received a modification package from XXXX XXXX XXXX. I returned the package back to XXXX XXXX XXXX on XX/XX/XXXX. The modification was approved XXXXXXXX XXXX XXXX advised me the payment amount was determined at {$1900.00} the interest rate was XXXX percent. 

XXXX XXXX XXXX sold the loan to XXXX XXXX I reached out to XXXX XXXX  on several occasions, but on XX/XX/XXXX XXXX XXXX informed me not to make any payments because they were going to send me out a modification package during the first, week of XXXX. I never received the package and then noticed they reported me 120-days past due on my credit report, this was around XXXX. 

When I spoke with someone at XXXX XXXX regarding the XXXX delinquency in XXXX, they stated it was an error and corrected my credit report. Now XXXX XXXX has reported me 120 days past due again to the credit bureaus and have not corrected the issue.

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 2022-04-29
Company: Experian Information Solutions 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/XXXX, I sent out letters to XXXX, XXXX and Experian through certified mail in regards to these six accounts that I felt did not belong on my credit report : XXXXXXXX XXXX XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX ( XXXX ) Reported Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX It is to my understanding and under the provisions of the Fair Credit Reporting Act that these three bureaus have 30 days to complete a sound investigation of my disputes and in that time, must temporarily remove those accounts from my credit report as well as mail out to be copies of my credit report respectively. It has been well over the 30 days since those letters were received and there have been absolutely no updates to my disputes. There was no sound investigation completed, no letter mailed to me with any decision, no contact by phone or contact in any way shape or form in regards to the temporary and final deletion of these accounts. I was never mailed copies of my credit report as requested in these letters, and still have not heard back from those three credit bureaus. It is no longer the time now for a reinvestigation. I want these accounts removed immediately from my credit report or I will take further legal action. I have a right to privacy and a right to a true and accurate credit report. This is causing damages to my report and preventing me from getting fair credit deals and rebuilding my credit.

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

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 2023-10-17
Company: Maximus Education, LLC dba Aidvantage
State: FL
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:
It was XXXX loan from XXXX and they sold my information to another solution company deft collect company with out my consent and now report ai a vantage report late payments and wrong information on my credit report when acct was in good standing and no late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: U.S. BANCORP
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding : US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN.

To whom it may concern, Issue : I am writing for assistance with a matter that occurred at a US Bank ATM XXXX in XXXX, TN. On XX/XX/XXXX, I visited the ATM as I normally frequent this bank in order to make withdrawals from a none US Bank account. I was making a withdrawal from my XXXX XXXX XXXX account. Ive never had issues with withdrawing until this day. I attempted to withdraw {$100.00} ; however, the machine only dispersed {$60.00}. I frantically wondered what had happened to the remaining {$40.00}. 
I pulled a head to relieve myself from my vehicle thinking maybe the remaining funds had failed to the ground but that wasnt the case. So I returned to the ATM as obviously the remaining funds had gotten stuck somehow. So I attempted a second withdrawal of {$20.00} thinking perhaps this will disperse the remaining {$40.00} ( if it was possibly stuck ) in addition to the {$20.00} I requested. Well only the {$20.00} was dispersed and not the {$40.00}. So I quickly made my way to the inside of US Bank to explain the situation and was told I needed to contact US Bank ATM department to file a dispute. 
I contacted US Bank ATM department as instructed and was told I needed to file a dispute with my bank, XXXX XXXX. So I contact XXXX XXXX and they filed the dispute and the results from the investigation was yielded that the machine dispersed the full withdrawal amount of {$100.00} which is absolutely incorrect. While I am not sure what happened to my {$40.00}, I do know it was not dispersed by the ATM, which means that particular ATM machine should have been over by {$40.00}. I strongly believe the information provided in the investigation report by whomever is responsible for emptying the ATM provide a report full of inaccuracies. In addition, I know ATMs can be faulty, as I just recently visited this same ATM location and attempted to make a deposit of {$1400.00} but the ATM said the amount was only {$1300.00} so I had to request the entire deposit be returned and found that it was {$100.00} that the ATM machine was not registering. Just as the machine claims it gave me {$100.00} when it only gave me {$60.00} Resolution requested : I am requesting US Bank return to me the {$40.00} that its machine kept. Due to the inaccurate information provided by US Bank XXXX XXXX XXXX, the temp credit that was given to me by XXXX XXXX during the investigation will now be withdrawn. I want my money back. If the machine didnt disperse it then please help me understand what happened to it as it certainly didnt just disappear. 

Thanks in advance for your time and assistance

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 2023-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$5400.00}

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 : XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX ; has violated my rights 15 U.S.C 1681 section 604A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-09-13
Company: CURO Intermediate Holdings
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:
A loan was placed on my birthday XX/XX/2020 last year. At speedy cash. Never took out this loan never was even working to take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a u s treasury department check into my bank of america ATM.on tuesday XXXX XXXX. Bank of America placed a 7 day. Hold on my US Treasury deposit and printed on the receipt that funds would be available by today. XXXX XXXX XXXX by XXXX. My money has not been released to me. And when I called, they told me. I had to wait another 24 to 48 hours and I should keep checking my account.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt 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 have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am a XXXX citizen who moved the XXXX to XXXX university in XXXX and have lived full time in the XXXX from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit.

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX Capitol 1 Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Despite numerous written requests, Bank of America will not close my credit card account.

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 2023-01-06
Company: EQUIFAX, INC.
State: NV
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt 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 have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Transunion on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX regarding an inaccurate listing on my credit report from XXXX XXXX XXXX. I opened up a credit line with them in XXXX. The credit line was never used and there were never any balances owed on this account, however, when I filed a XXXX XXXX bankruptcy in XX/XX/XXXX, the company closed my account and listed it as a charge off. Transunion has not sent me the results of these investigations, other than stating my credit report was " updated ''. When I followed up with Transunion, they only told me that the company was confirming or validating the reporting. 

I volunteered to send proof to Transunion that the company was never reported on my bankruptcy because there was never any balance owed. Transunion stated due to a new open investigation they were not able to use my information to correct this inaccuracy. I was unable to get a copy of my Transunion credit report but am attaching a copy of my other credit reports as proof there was never a balance owed to this company.

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 2022-12-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022 I received a report from XXXX, my fraud company, that XXXX XXXX ran my credit check. I have had multiple problems with someone stealing my identity which is why I am with XXXX  I contacted Equifax, XXXX, and XXXXXXXX XXXX XXXX directed me to XXXXXXXX XXXX and XXXX XXXX is absolutely awful!! They were useless in why my credit was ran and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX I applied for Bank of America Platinum plus Mastercard XXXX XXXX I was denied and sent an adverse action letter stating why I was denied on the public side which is credit score, Bank of America underwriter or their selling Agent as they us in Security agreement with the SEC never explained to me what factors they use to make their decisions based on law. The Application is a promissory note and turn into cash or notes one deposit pursuant to 12 usc 1813L ( 1 ) which your selling agent agreed to purchase in your security agreements with the SEC XXXX XXXX the promissory note is also a security pursuant to XXXX XXXX XXXX, which also should have been the collateral for the amount of the platinum plus master card pursuant to 7 cfr 4279.202, the security belongs to me and as the holder in due I have a right to my security pursuant to 3-309 of the UCC Bank of America had a fiduciary duties and have denied to do any of them which is a breach of fiduciary duties 17 cfr 205.2, which is also a result of securities fraud pursuant to 17 cfr 240.10b-5 for taking my security which is the Application and not granting me credit 12 cfr 1002.2 ( c ) ( 1 ) Bank of America and it Trustees are in violation of sections 29 of the federal reserve act failure to send me a card would result in a complaint to the OCC, SEC, FEDERAL COURT since all security is automatically a federal Court case, please have only competent employees to look at this complaint or the CFO XXXX XXXX XXXX to

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-03-18
Company: Convergent Resources, Inc.
State: OH
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:
Hello- Received a letter from Convergent XXXX  stating I owed {$720.00} but they would settle for {$250.00}. I called and they wanted my social security # which I am not willing to give out, they would not tell me what the debt was for and this is not on my credit report. I called on XX/XX/XXXX and emailed the company on XX/XX/XXXXwith no response. The email was sent to them through their website : XXXX. I believe this is a fraudulent company and looked them up online and saw many other complaints. I do not want them contacting me again and hope to help others that may be taken advantage of by these frauds. Thank you-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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
OnXX/XX/XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 explanation