BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$690.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00}

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXXXX/XX/2021

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$2500.00}.

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 2022-12-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In regards to the following account : WAKEFIELD AND ASSOCIATES Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I had active XXXX XXXXXXXX at this time and they were not billed for this account. it is not my responsibility to cover a debt due to the negligence in billing my insurance by the original creditor. They have the information and could simply use my social as well to verify insurance coverage. This needs to be removed from my credit immediately through all XXXX reporting agencies as it is affecting my ability to live my life and gain credit when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: HYUNDAI CAPITAL AMERICA
State: OH
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with documentation associated with these accounts bearing my signature, authorizing an inquiry. In absence of documentation bearing my signature I formally request that these fraudulent inquires be deleted immediately from my credit file that you maintain under my social security number. While checking my report, I noticed inquiry I didn't authorize, made by the following companies. 

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 explanation
Consumer complaint received 2021-07-15
Company: Creditor's Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2023 There were two unauthorized hard inquiries on my credit. I have submitted a police report of it being a fraudulent attempt to all of the reporting agencies. 
In accordance to the fair credit reporting convergence act the inquiry on XX/XX/2023 by XXXXXXXX XXXX XXXX  ) AND XXXXXXXX XXXX XXXX XXXX XXXX ) VIOLATES MY RIGHTS 15 U.S.C 1681section 604 A section 2 states a consumer reporting agency can not furnish an account without written authorization. Please delete from my report 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received. See attached article regarding XXXX founders, XXXX XXXX and XXXX XXXX, committing fraud via their app ( over {$1.00} XXXX dollars worth ). PNC has until XX/XX/2023 to credit the {$2100.00} back to my account, or everything will go dark sporadically until the money I was scammed out of has ALL been returned to my account. 
THIS IS GOING ON MONTHS 7-8 CHASING PNC TO REVERSE THE TRANSACTIONS ON MY ACCOUNT THAT WERE A PART OF A SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I made a   XXXX   dollar deposit to my sister 's bank account in   XXXX   on   XXXX   XXXX  , 2017 but when I contacted her to inform her she told me that that bank account had been closed on   XXXX   XXXX  , 2017.
She went to the bank and tried to reopen the account to collect the money and they said that it was not possible to do that the money had been returned to whoever sent it and now neither the bank in  XXXX  nor the company I was with whom the sending was made They want to make them responsible for delivering the money.
The company vigo says that in its system appears the money paid and that expect a response from the bank but have spent 2 weeks and do not give me any solution to the problem if not to keep waiting.
I thank you in advance for the help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclay Card has attempted withdraw funds in recurring payment from the wrong bank account several times over the past 2 months ( XX/XX/XXXX and XX/XX/XXXX ) where the reoccurring payment was set up for a different bank account on their system. Barclay is now trying to levy a late payment / insufficient funds fee due to an error on their end.

I have tried to contact Barclay through their secure message centre and by phone about the matter but they refuse to acknowledge the problem exists even though I can log into their website and see the configuration myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}, XXXX XXXX  XXXX* Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$690.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$2100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank charged my escrow account, {$3600.00} for Wind Insurance without notifying me. This premium was XXXX times the market rate for Wind Insurance. US Bank bought my mortgage from XXXX XXXX Bank knowing that I did not have wind insurance because it was not needed. After receiving threatening letters from them, rather than argue, I purchased wind insurance for an annual premium of {$4600.00}. I obtained the insurance within one week of their " final notice '' to me. XXXX weeks after I obtained coverage they bought retroactive coverage to the day they bought my mortgage until the day I provided coverage, approximately 2 months for {$3600.00} and unilaterally charged my escrow account. This charge is XXXX times market rate for current coverage, let alone past months with no claims. US Bank took approximately XXXX moth to notify me and another month not getting back to me than charged my escrow account without authorization for these XXXX months at a " robbery '' rate. Please see attached my letter to US Bank outlining the time line with supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax to remove unauthorized hard inquiries on my credit report. The representative refused to help me. I did not authorize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Here are the most recent charges ( I've requested my statements from previous years in which this has occurred ) : In XXXX, Bank of America again cancelled my autopay despite my regular use of my credit card. I've since accrued these charges because of their erroneous cancellation : Interest charged on purchases : XX/XX/XXXX - {$15.00} Late fee for payment due : XX/XX/XXXX - {$25.00} Interest charged on purchases : XX/XX/XXXX - {$3.00} Interest charged on purchases : XX/XX/XXXX - {$5.00} Late fee for payment due : XX/XX/XXXX - {$25.00} I called Bank of America a few weeks ago because of this issue, and was connected to a customer service representative who shared screen with me and noted that my autopay option has indeed disappeared for me as a payment option. She was not able to help me or reverse fees at that time.

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 2023-04-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reached out to the credit bureaus about a car loan that is showing up on my credit report. I have contacted the creditor and submitted documents to them as well advising them that this was fraud and my identity was stolen. They have been cursing me out and hanging the phone up in my face. I need to have this {$20000.00} car loan taken off of my credit report 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 2019-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been banking with Bank of America for five years and had three credit cards with them : -Spirit Airlines World Mastercard ( opened XX/XX/XXXX ) -XXXX XXXX Visa ( opened XX/XX/XXXX ) -BofA Travel Rewards ( opened XX/XX/XXXX ) I had my wife on my Travel Rewards card account as authorized user for months without problem, and I added two of my friends as authorized users to help them build credit, the rrquest went through in thr system. On XX/XX/XXXX, and Bank of America closed all my accounts on XX/XX/XXXX without prior notice. 

I called in and the representative transferred me to fraud department, offered to request to reopen all three accounts after a hard pull on my credit report. I agreed and they proceed, and they came back with a denial, citing " we are not comfortable with the authorized user activities at this point ''. 

A few weeks later I received 3 seperate letters from BofA notifying the closure of my accounts, citing " irregular authorized user activities ''. I called in, visited local BofA branches and spoke to various BofA employees including a branch manager, asking if BofA stil wants my business, they all told me that " You're welcome to apply for new credit cards in the future ''. 

Nowhere in BofA 's credit card user agreement says I am not allowed to add 2 authorized users on the same day. I met the minimum spends for both XXXX XXXX card and Spirit Airline card before the closures, but BofA never awarded me XXXX XXXX bonus points and XXXX Spirit bonus points because of this. 

I applied for new BofA credit cards on their website in XXXX, and the declined decision came back with " An account with us has been revoked '', contradicting to what numerous BofA employees told me before. I called in again and BofA underwriting department could not tell me why this was the problem and when I can apply for their cards again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 2 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22

Company response to consumer: Closed with explanation