BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: MI
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
TransUnion has not responded to my many letters requesting removal on inquiries that are incorrect and unauthorized. These inquiries are not on the other 2 credit bureaus. I have sent multiple certified letters with tracking and return receipt ( attached ). From XXXX until present day I've been sending letters ( attached ). It is unfair to be ignored and the severity of not taking my situation seriously has caused financial injury and defamation of character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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:
I have loan with XXXXXXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Around XX/XX/XXXX XXXX reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. XXXX never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to XXXX XXXX points and damaged my perfect payment history overall on 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 non-monetary relief
Consumer complaint received 2024-01-01
Company: U.S. BANCORP
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was made aware of 2 charges to my US Bank Credit Card shortly after they occurred on XX/XX/2023. They were for {$3200.00} and {$1800.00}. Both had the transaction description of XXXX XXXX XXXX XXXXXXXX XXXX MO. I did not make these transactions with my US Bank credit card or otherwise. I notified US Bank of my disputation of these charges right away, and on XX/XX/2023 they gave me provisional credit for the 2 disputed charges and sent me a letter saying, among other things, that if the review was found in our favor, the provisional credit would become permanent, if not, they would reverse the provisional credit. 
They also said that during the course of their investigation, they may reach out to us for more information, which they never did, and that after the investigation was complete, they would send us a letter informing us of the resolution of the dispute. We never received such a letter. When I received the credit card bill for the previously described activity, the bill indicated that they had reversed the provisional credit on XX/XX/2023. My husband and I immediately called the US Bank Fraud Dept. to complain. We were given various explanations, none of which made any sense to us. Also, we were advised to get a police report, which no one had mentioned to us before. We did get a police report, which we can get a copy of, if you need it. After that episode I called the US Bank Fraud Dept. practically every day and my husband followed up with the police officer in trying to get more information for the police report. After about a week or two, I was finally able to get the US Bank Fraud people to say they would open up a new dispute and I gave them the police report number. I have not heard anything from them since. To my knowledge, the US Bank Fraud Dept. has never even opened an investigation into this.

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 2023-07-17
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday, XX/XX/2023, I initiated a transfer from my bank to my XXXX account. I had successfully done so a day or two before this time. On Friday, I received an error message saying that they had suspended my transfer and to contact the bank. This was an error with their system I was informed by the bank when I spoke with them the following day ( which was the earliest time I could contact them since the transfer was not during regular banking hours. ) I attempted to contact them three times at the earliest time listed for their hours, and couldn't get through to a customer care agent, as I was advised the bank was closed... even though it was supposed to be open. I called back later and was able to talk to an agent who did say the system had a problem, they were aware of the problem, and they were working to fix the problem, but had no estimate of when the problem would be resolved. I tried again the next day I believe, to see if it had been fixed, and it had been. However, this morning I was notified that the amount was transferred twice, due to this error on the bank 's end. This was very upsetting. This bank had taken over the bank I was initially banking with, and I had never experienced anything like this with the previous bank, or any other bank I've done business with in the past 30 years. Today, the customer " care '' representative told me " Mistakes happen. '' Well, not with my money, they don't. ( Their automated answering system is terrible, and the call dropped three times ( on their end as I made this call with a wired landline phone. Then I had to wait for 15 minutes on hold when I finally was able to complete the connection. ) She said that if they tried to fix it on their end it could take up to 10 days. She told me that I should just transfer the funds from XXXX back to my account. Yes, I already knew that, but I shouldn't have been inconvenienced because this bank made what could have been a serious mistake. I think this is very unprofessional of them. Her attitude was just the icing on the cake. I think it was a " mistake '' to hire HER. Also, it was a mistake for me to use this bank.

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 2023-07-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone hack some of my accounts including my bank account, using companies like XXXX and XXXX the make unauthorized orders and withdraw money from my bank. 
this issue stared on XXXX XX/XX/23. 
XXXX four transsaccions for XXXX One for XXXX XXXX XX/XX/23 TX XXXX on for XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/23 TX XXXX XXXX XXXX XXXX, XXXX also my XXXX  account two items for XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX, and I am the author of this complaint. The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you- Equifax, may require. 

There have been greater than 4 attempts to fix this issue, and the issue remains. 

The last complaint is attached. 



The issue - 1. My Physical Home Address continues to be updated at Equifax 2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX- is not, my current address 3. This has been disputed to Equifax- and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted 10. The Last Reported Date, for the Address in XXXX NJ- you EQ - store, is XXXX XXXX, XXXX. 11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. The impact to me is devastating. Communications, and the like, validation of who I am- is impacted by this fraudulent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: 3rd Generation, 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: Investigation took more than 30 days

Complaint:
I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I was laid off last early-spring and as a result, my account balance was quite low. I had a Wells Fargo checking account ( ending in XXXX ) that I stopped using for purchases as a result. On XX/XX/2022 my account had an available balance of {$11.00}. A {$6.00} credit posted on and my balance posted at {$17.00}. Two ETF debits then posted and the acount balance went negative to $ XXXX. Then Wells Fargo allowed several more ETF 's to occur and brought my account down to $ XXXX. Of that amount, $ XXXX was ETF and the remaining amount was overdraft fees. I stopped using ym debit card and they continued to allow funds to be withdrawn and rack up fees. When I didn't pay the fees and asked for a review of the account activity, they told me that I needed to pay them and closed the account. I'm currently on a checking account watch list as a result. I've reached out to the bank to discuss the situation, but they have provided me little more than the 'account disclosures ' associated with this account. This has to predatory.

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently mailed Credit Bureaus a letter disputing items appearing on my credit report, which they maintain. They response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Their response is ludicrous.

Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. They are still bound by the 30 day investigation period which has now lapsed. The following items must be removed : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account resulted due to identity theft. XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit 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 2021-09-15
Company: CL Holdings LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called Jefferson Capital Systems LLC to find out what the debt was about and why did it just showed up on my credit report. I have never heard of a company called Jefferson Capital System. I never got a notice in writting to validity of the debt or who the debt was for. 
I called and talked to XXXX ( not in XXXX ) language barrier and was very hard to talk to and she passed me to XXXX and i had a hard time talking to her and asked for the Legal Dept. and she said she was in the legal dept. Ask to talk to someone with the legal dept who i could understand and was passed to another gental man who i couldn't get his name and fininally just hung up on them. 
Called XXXX XXXX XXXX in XXXX XXXX Mn and getting nothing but a recorded line about account numbers or SS which i will not give my SS to just anyone. 
So i filed a compliant the Sec of State in MN. and with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account has been removed several times but keep reappearing. They are reporting inaccurate information on all three bureaus. XXXX is different on two bureaus. Labeled as a factoring company on one bureau. One account marked closed and others opened. If this account is verified information should be alike across all bureaus. This account has bought me financial distress because of their negligence. I am asking to cease all collections and removal from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX and XXXX I had XXXX taken out of my account without my authorization. I have phone alerts set up to my phone which never went off, I went to withdraw money at the ATM and it said I have reached my limit for the day, so I immediately went on my account and it said I withdrew XXXX that day.Then went on to find more was withdrawn the day before.I immediately called Bank of america, got my card canceled and a new one sent out and the remaining balance transfered to a different account so I wouldn't have any more issues, and filed a claim.I have been speaking with different people everytime I call and have been getting the run around.They have asked me to file a police report, I did that.Then I was asked to send a statement of my whereabouts that day, I did that.I keep getting denials on my claim which they are being sent out a day after every time I speak to someone on the phone so I'm not sure how it's being investigated that fast.So then I filed a complaint with this company and I received a email from a resolution specialist XXXX XXXX, asking to call her.I have called numerous times left numerous messages, no call back to this day.So I called again to the claims department and now was asked to submit the police report with a copy of my driver 's license.Which I have now done.Now I have waited a week called back again and they really nothing more to say.I have done everything they asked.I told them to look on their cameras they told me they were not working that day, which now a different person has told me they always work.So I'm not understanding why here it is XXXX and still have not received my money back.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I acquired my credit report and asked the LVNV FUNDING LLC to validate as well as check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. And one more thing, they didnt even record the current status of the disputed information. LVNV FUNDING LLC is holding me back from raising my XXXX XXXX so that I may acquire new credit and purchase a house. This is very frustrating and discouraging because I am trying to build positive credit and buy a house for my family but LVNV FUNDING LLC is not doing its job according to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.

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 2021-09-15
Company: Mountain Run Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX falsely signed my sons name to a contract for service. 
They also NEVER mentioned at the time of initiation that I was signing up for a 36 month term. In addition, the equipment was never installed correctly or functional. I called them many times in order to terminate this contract to no avail. 

Now, they have reported this debt to Mountain Run Solutions. I have contacted MRS many times with the offer to settle this debt and they have refused due to it being new debt. They only offered threats to report this to the credit bureaus. 

I am now being treated unfairly by two institutions without any recourse. Please help. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation