BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MT
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 contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXX XXXXXXXX XXXX has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation XXXX XXXX. The account from XXXX XXXXXXXX XXXX  reported in the Equifax report is Account Number is XXXX. I contacted XXXX XXXXXXXX XXXX to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing XXXX XXXX and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error 6 ). The Actual Payment Amount is Missing ( Error 7 ). The Scheduled Payment information is missing ( Error 8 ). Date of XXXX Delinquency is blank ( Error 9 ). Date XXXX XXXX XXXX reported is missing information ( Error 10 ). This account according to XXXX XXXXXXXX XXXX was opened XX/XX/XXXX with the last payment reported XXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFULLY TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Im absolutely devastated and never banking with Bank of America again!! On XX/XX/XXXX, I had been out with family and had lost my phone for a couple of hours while at a mall / round XXXX bowling. I ended up finding my phone on a seat in the bowling alley. It seemed fine but then I noticed a couple of days later I had {$5000.00} taken from my Bank of America account and sent to a random address on XXXX. I have never seen this address before and filed a fraud claim with bofa. Today, I see they denied it and arent paying me back for the stolen funds. I called a rep and they said its because they sent me a text about the purchase and I texted back yes I mentioned to them my phone was stolen and the person obviously deleted the messages or any emails to alert me!! I want my money back it was a huge amount! I did NOT authorize that purchase and would never purchase such a high amount on XXXX XXXX. I need my claim paid and resolved!

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 2022-12-05
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2022, I applied to assume my mortgage entirely from my husband as we are planning a separation. I contacted the bank, XXXX and Dovenmeuhle the servicer of the mortgage. 

They said the process would cost {$900.00} and I had to submit this with my application, but as long as I qualified and provided the documentation I could continue with the process. 

In early XXXX, my assumption was approved by Dovenmeuhle. They sent me the paperwork/package towards the end of XXXX. I think I finally received it on XX/XX/XXXX. It was extensive and I had to get things done I hadn't expected, but that was okay. I reviewed that to see what else was required to continue with the process. 

By XXXX XXXX, I had everything ready, but this was XXXX and I would have to wait until after the holiday to finish up and send the final package back to XXXXDovenmeuhle to close. 

Upon returning from a holiday break, XXXX XXXX, I was going through the mail that had stacked up and noticed a letter from XXXX that my mortgage had been sold to a new bank - XXXX. In the meantime, all of my paperwork is ready to send back to finish up the assumption. 

I contact both banks, and basically, according to the banks there is nothing that can be done. XXXX sold my mortgage in the middle of the assumption process, XXXX won't continue the process based on my paperwork and existing application ( and credit check, approval, updated deed, etc. ). They said I have to start over and their terms are different than XXXXDovenmeuhle. 

On top of that, I sent {$900.00} to XXXX for a process they essentially ruined by selling my mortgage. They did not mention the refund of my payment and said that after I sent an email they would decide whether or not it would be refunded. I haven't heard from them yet. 

My complaint is first about selling my mortgage in the middle of business that I was conducting with them and knowing we were in the middle of something and not allowing it to finish or providing any sort of deadline or warning. 

My second complaint is about refunding my entire {$900.00} payment. They should have offered that from the outset of knowledge of the sale. I should not have to ask for my payment back. At this point, I still don't know what that outcome and potential argument will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Kovo
State: TX
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:
Ive ask these companies to show proof that that accounts reporting on credit report belongs to me which they don not these accounts was open in my name without knowledge also there are 2 accounts with self reporting on credit which dont belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Advanced Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was renting townhome from XXXXXXXX XXXX XXXX. During the height of covid the cemteal air broke. I requested over a 4 month period to have the air conditioning fixed. I have medical Conditions XXXX and XXXX. XXXX XXXX refused to fix central air. For my health i was forced to move breaking lease 1 month shy of renewal date. As act of good faith i told XXXX XXXX to keep my security deposit. I have copies of all interactions and multiple witnesses including former neighbor as well as XXXX XXXX former employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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

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 2023-08-01
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received notification/s from credit reporting agencies around XX/XX/2023 of an account in collections for XXXX. This information was reported to the agencies by Credence Resource Management. I have never been contacted by US Mail or telephone to advise of this debt and given the opportunity to dispute or resolve. Ive filed disputes with the credit reporting agencies and to date still have not had any form of communication with the debt collector in regards to this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
They wouldn't allow me to do anything closed my account kept my money. 



































i would like at least XXXXXXXX $ in return for all my troubles also if possible would like to donate half that money to someone that nees it

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and I noticed that I had 4-5 late payments on my accounts that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX  account # XXXX. Please investigate and provide proof with statements showing that these payments are late.if proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1.

2.

3.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, Under the Fair Credit Reporting Act ( FCRA ), you have the right to request that inaccurate or incomplete information be removed from your credit report.

Here are some LAWS! 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.

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 2023-03-29
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:
This complaint is my follow-up to my previous letter to redispute these items : 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 XXXXXXXX Balance : {$410.00} The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX Account # XXXX 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 stated 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 non-monetary relief
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: MO
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 number XXXX, XXXX account partial account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX. XXXX partial  account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX, have all violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXXXXXX XXXX account number XXXX - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from 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 2018-07-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per XXXX XXXX and the records.. The Walmart account did bot contain any of my personal information except the Social Security number was off by one digit which allowed my social security number to be on the account. Synchrony has corrected the Social Security number on the account and the account should be removed from my credit within 30 days. But the collection agency is refusing to deleted from my credit even thout I provided a letter from Synchrony bank stating that this is not my account. XXXX XXXX keep reporting it the XXXX and all of the credit bureaus. I tried to explained to them that this is not my account they confirmed that they have the letter I submitted to them on XX/XX/2018 from Synchrony clearing my name and social security but, they are mean and rude and won't deleted from my credit. I'm in the process of buying a house and this is affecting me big time. XXXX XXXX XXXX last reported it to my credit on XX/XX/2018 after knowing that is not 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 explanation