BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the ongoing issues I have faced with my account at 3 Credit Bureaus. Despite several attempts to rectify the situation, fraudulent items continue to appear on my account, and my concerns have not been adequately addressed. 

To provide you with a clear overview of the situation : I have made multiple attempts to remove fraudulent items from my account, including : Despite these efforts, fraudulent items persist on my account, causing significant distress and financial harm. 

As a result of these ongoing issues, I have incurred unauthorized charges and fraudulent items on my account, which are both distressing and unacceptable. The fraudulent charges and items are as follows : An immediate and thorough investigation into the origin of the fraudulent items on my account. 
An explanation for the recurring issues and a clear plan for the removal of all fraudulent items. 
The reversal of all unauthorized charges and the removal of fraudulent items from my account. 
Enhanced security measures to prevent further fraudulent activity on my account. 
A written response detailing the steps you will take to rectify this situation within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the specified time frame will leave me with no choice but to escalate this matter to higher authorities, including relevant regulatory bodies and law enforcement agencies. I believe that this situation can be resolved amicably and without the need for further escalation. Please help me remove the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$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 2023-04-19
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already have a current complaint in about this company. They wont stop calling me its abusive. They put this debt on another reporting agency the day after I filed the first complaint with this bureau, as I feel its in retaliation. I also starting to feel like the debt holders are intentionally trying to avoid looking at all documents in a dispute and trying to have verbal discussion outside the consumer financial bureau. No this is a cease and desist order on phone calls. Cant prove who you are or is its a spoofed number and I have evidence of phone call abuse from attorneys in XXXX XXXX during my XXXX XXXX claim as pro se. This company states there policy is no email, well I ended the conversation because I dont do verbal and obviously they have a email as a registered company. There is a phone record I called before this company unlawfully putting a debt on credit reports when everyone has been in the know. This dispute doesnt need more communication. The proof of unlawful activity from the state of XXXX  has been given, again, emails were sent out many many times. The law is the law. Stop abusing me. Im a XXXX man. A government official was let go for misconduct on XX/XX/2022, one of persons names involved in this case. I videotaped myself going there and passing in evidence to the Attorney general. My affidavits already proves more misconduct and abusive behavior especially to a XXXX man.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please see the ATTACHED documents to assist in the blocking of the erroneous information and removing unauthorized inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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 TRANSUNION 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 . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-10-22
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts 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. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TD BANK US HOLDING COMPANY
State: LA
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:
This complaint is in direct response to Nordstroms inability to provide communication on a debt in the amount of {$410.00}. Nordstrom first filed the charged-off account with all three credit bureaus in XX/XX/XXXX. Since the filing, I have made contact with Nordstrom via USPS on the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and recently XX/XX/XXXX. 

Nordstrom has failed to respond to letters requesting debt verification and has failed to respond to letters inquiring about a debt not associated with me. I hereby now request the assistance of the CFPB to investigate this situation further and find a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My XXXX payment of {$490.00} was debited from my checking account and the full amount of {$490.00} was applied to accrued interest. 

However, the XXXX statement that Mohela provided only shows accrued interest of {$110.00} on loan XXXX and accrued interest of {$130.00} on loan XXXX for a total of accrued interest of {$240.00}. Yet {$490.00} was applied to accrued interest. 

This is an error since the difference of {$240.00} should have been applied to my principal. 

I have called Mohela several times a day for several days and they keep putting me on hold for several hours and no on is able to correct the problem or tell me why payments ar e being incorrectly applied. 

The billing statements are incorrect since what they are indicating is the accrued interest, it is not. This is very dishonest and unfair to the borrowers that there is no transparency as to how Mohela is applying payments and the customer service representatives do not have the answers. 

I look forward to a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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 2022-08-18
Company: TRUIST FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Banked with truist for almost XXXX  months now and never had an issue until i decided to start funding my account and using my debit card to pay my bills, they locked my debit card which is fine, called to have it unblocked no problem and they end up locking it again but this time they are saying i have to come into a branch to do so which IS a problem. Truist bank is nowhere near me in my state, its an out of state bank so thats literally not an option. Bank locked my online banking with money still in my account lol, i tried an ACH transfer and set up bill pay payments and i tried to log in just to find out my account is restricted for security reasons. This has been XXXX of the worst banking experiences i've ever had and im not being treated like a customer at all. its almost like truist isnt allowing me to use my money the way i want or access my funds properly. Ive had no problem up until i made a large deposit into my account and started using those funds. 

i have no problenm verifying myself any other way but going out of my current state just to visit truist bank is not an option.

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 2021-04-03
Company: Experian Information Solutions 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:
I have 2 accounts that were purchased by a collection company and they, opened the REAged the debt. The collection agency has re-ors date of first delinquency. Experian has not removed off my credit report even after I disputed. 
1 ) XXXX XXXX XXXX  Account Number XXXX Reported I Opened XX/XX/XXXX INCORRECT DATE I opened in XXXX. Collection amt {$450.00} also this co. 
2 ). XXXX XXXX, XXXX Acct XXXX reported I opened XX/XX/XXXX NOT TRUE. XXXX WAS opened in XXXX. 
Please have them remove this. These accounts were NEVER OPENED IN 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 2023-07-11
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2022-04-05
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX  ( Original Creditor 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 2018-04-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted XXXX collection and requested copy of bill from XXXX XXXX XXXX. Numerous requests and never received bill or anything regarding date of service or services performed. Contacted XXXX XXXX XXXX and was told they XXXX had sold the account on XXXX XXXX   2017, and as far as they are concerned, this account is closed and XXXX now owns the debt. I have insurance that could possibly pay this bill, but without any proof of services performed, by what XXXX, nothing can be done. All credit agencies have removed this account with the exception of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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 filed a report with CFPB on XX/XX/22 regarding XXXX XXXX XXXX XXXX XXXX XXXX. Asking for them to correct the errors on my account. 

XXXX and then XXXX XXXX both posted new information and removed negative information. I paid the new amount that XXXX XXXX requested. 

I have learned from XXXX today that now all three credit bureaus have had the matter addressed. It still shows negative credit on my TransUnion account. from XX/XX/22. Part of what I requested from XXXX XXXX XXXX is that remove all negative credit from all three credit bureaus. Listing never late, on time, exceptional payment. 

Negative credit is still showing on TransUnion as of XX/XX/22. Balance was paid in full on XX/XX/22. I have not had any reports about my XXXX credit as of yet.

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 2015-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In late XXXX, I travelled to XXXX to attend a conference and speak to college students about XXXX. In so doing, I left my debit card at the hotel for their file. Upon leaving -- a week later -- the hotel charged the wrong card ( mine ), as opposed to the university card. The charges appeared on the XXXX and were put in process to be reversed the same day. I requested a receipt on the XXXX, which will be attached. The hotel charge was fully refunded by the XXXX. I contacted Bank of America to make sure I would not receive overdraft fees on the XXXX. They were to make a note of it. Instead, I received XXXX overdraft fees on the XXXX -- stemming from the original charge and subsequent fees -- totally {$100.00}. I just got off the phone with them and, after going through other personal account business, they told me they could not deal with the overdrafts because they could no longer confirm my identity. I then repeated my name, as appearing on the website, and the teller in deposits XXXX, apologized and placed me on hold. He said there was no record of the overdrafts, and I expressed concern that he could see hte record I was seeing via my statement ( attached ). He then said I my name was incorrect and I could not be helped via phone. Apparently it does n't match the name on their file -- however, this was not the case a week ago, and my information on the online banking matches exactly what my name is, and how I said it, and how it appears on my card. It seems that they were able to handle all questions and business about my account except my fee reversal request. They are now telling me to go into a floor office to confirm my identity in their files and handle the overdraft. However, these offices do not handle overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Partnerships & Investments, LLC
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
American Leading, keeps sending letters to repossed auto. I reported that due to the Pandemic Covid 19, Lost Job. The Dept of unemployment have on hold all benefits due to point of conflicts. So far I have not made some payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Was not notified of investigation status or results

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 2022-08-18
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have found out that a credit card was opened under my name without my permission per my credit report that an account was open under my name to Fortiva XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have contacted this company XXXX times and sent over a police report showing fraud was committed. The address that the alarm was added to was an old address I use to live at in XX/XX/2017. I moved out of this house and now reside at a different residence. Every time I call they state that their going to remove the account and nothing happens. This has been over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation