BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
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: Old information reappears or never goes away

Complaint:
Because the Consumer Financial Protection Beaureu is supposed to represent and protect the people, and you take an oath to that effect I demand your Oath and Bonds from the surety.insurance liability company for harm and loss, once there is a sworn oath on record this proves that the sowrn parties are bound to the foreign Agents Registration Act of 1938 and have no jurisdiction pursuant to Title 8 UCS Subsection 1481.

I want you to answer the following interogatories : 1 ) What gives you and your company authority?

2 ) Did you get your authority from the people? 
XXXX ) Are you a corporation? 
XXXX ) Do you have to file Taxes? 
XXXX ) Do you have an Employer Identification Number? 
XXXX ) WHo pays your salaries? WHere do you get your funding? 
XXXX ) Do you receive private funding from COmpanies? 
XXXX ) DId you get money from XXXX XXXX for wrongful foreclosures as publicized? 
XXXX ) What did you do with this money? 
XXXX ) We want full disclosure on what happened to this money? 
XXXX ) Are you taking bribes from 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 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 XXXX XXXX XXXX XXXX XXXX 
XXXX ) Did not the leaders of this nation create differences in people to take advantage of and steal from the original people of this land? 
XXXX ) Do you know that my heritiage extends back before XXXX XXXX XXXX? 
XXXX ) How come you all consistently try to steal everything from people of XXXX? 
XXXX ) When are you going to stop abusing my people? 
XXXX ) When you are going to stop abusing me? 
XXXX ) When are you going to pay just comepensation for my land and the resources you stole from my ancestors and me as an heir? 

I want my money and want to know what the qualifications are to get my money from your co-conspirators ( the Banks and corporations ). Either pay or I am going to start the eviction process on the United States and have you evicted off my land. You have 30 days to respond with a settlement offer. I am submitting your trust document and contract to the public trust as accept your offer and now expect you to perform or you will be in violation as a trustee which is treason.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After getting a full credit report for all three credit agencies TransUnion, XXXX and XXXX, I noticed that some items were not on my credit report and also XXXX has not updated my credit report since XXXX when it comes to my credit cards missing information. My transUnion report shows that I am an authorized user of XXXX XXXXXXXX Reported : XXXX XXXX, 2023 for a credit line of {$1200.00} and 19 years and 3 months. But this account is missing on my XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2023-12-28
Company: CORELOGIC INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, XXXX, or XXXX ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, XXXX, or XXXX ) interactive service agreement. Thank you for updating 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
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Do NOT CLOSE THIS COMPLAINT. I am making this complaint me the human person not some third party company. anyways i noticed some accounts on my credit report that i never signed up for and realized that i am the victim of identity theft. I sent a police report to the credit reporting agencies but they didnt remove any of the accounts that didnt belong to me.

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 2023-07-02
Company: BANCO POPULAR DE PUERTO RICO
State: WV
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 am filing a complaint against XXXX/ELOANBPPR for reporting incorrect CHARGED OFF ACCOUNT status to XXXX and XXXX, XXXX of which have adversely impacted my bankruptcy-recovering credit scores and forced me to dispute their erroneous reporting. My bankruptcy attorney ( name and contact info available upon request ) disputed the incorrect charge to XXXX by Certified letter mailed in XX/XX/XXXX. As a result of that dispute, within 30 days, XXXX ruled favorably and deleted the incorrect charge from my credit report ( see documentation ). On XX/XX/XXXX, after being alerted by XXXX that my credit score had decreased by XXXX points, I perused my credit report and discovered that XXXX/ELOANBPPR had reported the same incorrect CHARGED OFF ACCOUNT status to XXXX, XXXX an unpaid loan balance of {$9600.00} ( see documentation ). BACKGROUND INFO : On XXXX, I applied for an unsecured individual loan with ELOAN. The approved loan amount was {$6300.00}. In XX/XX/XXXX, I was targeted and victimized by a clever internet scam-theft scheme that crippled me financially. As a result, I was forced to file for bankruptcy. I retained a bankruptcy law firm which filed a XXXX  XXXX in XX/XX/XXXX. All of my outstanding creditor/debts, which included XXXX, were included in that bankruptcy, which was XXXX on XX/XX/XXXX. Since XXXX/ELOANBPPR has reported incorrect CHARGED OFF ACCOUNT status to XXXX and XXXX which has adversely affected my recovering credit scores and forced me to dispute their false reporting, I have every reason to believe that they will eventually report the same incorrect status to XXXX, although currently XXXX is correctly showing that the ELOANBPPR account was bankruptcy discharged ( see documentation ). I have tried to contact ELOAN by calling XXXX, but I am unable to connect to a live person because my contact information has changed since XXXX. I am filing this complaint because I want this unfair credit bureau reporting and harassment to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRUIST FINANCIAL CORPORATION
State: NJ
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:
XX/XX/2023 XXXX XXXX XXXX and regional acceptance tan my credit. I was on XXXX XXXX thinking about refinancing and I never submitted my application after a refinance company reached out to me and I told them I wasnt ready to do anything that I didnt want to have my credit ran and they did it anyway I would like to dispute 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 2023-08-28
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
since XX/XX/XXXX I'm trying to the get any proofs from Vance and Huffman for the account they are saying is mine, which is fault statement! 
not once in over a year I was provided any proofs from them. but they constantly was saying they send, which Is not true!!! and this collection remains on my credit report and hurting my credit score and I have perfect credit history! 
I sent multiple XXXX  disputes. XXXX validations was sent to me! On XXXX I called into the office and spoke to a representative. the said they will do investigation and they will be contacting me! not once anyone contacted me or provide any proofs.. on XXXX I filed complaint towards XXXXance and Huffman via XXXX  complaint making the same statement- and. Again, XXXX!!!! validation was provided per my request. I still have collection on my credit report - and XXXX proofs that I owned it, it was identity fraud. 
last time I filed complaint with CFPB and they said - The file is too large to attach to the complaint., and they finally told me where to log in to see documents. 
that's what they say : " Please visit XXXX, your account # is XXXX. You will be able to view all the documentation there '' and I did! and guess?! there is no documents! XXXX! I'm attaching screenshots : I`m asking again please delete this frudeltly collection from my credit report ASAP, because I won't stop until it will be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TrueAccord Corp.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I did not file for bankruptcy but that was the closest link match what has happened. I am being contacted by email ; the company TrueAccord Corp . The amount is XXXX. I checked my credit reports and this debit is not on my XXXX credit reports. Please assist. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/2023 XXXX XXXX XXXX XXXX is being reported inaccurately and has disputed the report and still appears XXXX balance but reported negative

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 2023-08-23
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased my home in Maryland with a mortgage from Amerisave Mortgage, and was current in my payments until XXXX of XXXX when I went into XXXX forbearance under the CARES Act. Apparently, Amerisave reported the forbearance to the credit bureaus in XXXX of XXXX as a past due balance. However, it didn't impact my credit score until this XXXX when my score fell from XXXX ( as reported in XXXX of XXXX ) to XXXX ( according to XXXXXXXX XXXX. ) As soon as I discovered this, I called Amerisave and they agreed to reach out to the credit bureaus to correct the issue. Then today XX/XX/XXXX, I received a message from them stating that I had been reported in XXXX of XXXX, but had been current since. This seemed to indicate that they had not recognized internally that I shouldn't have been reported. Again, I called them and tried to resolve the issue and they again stated that they would review. However, my car lease is up this month and I need my credit score in the XXXX 's to be able to secure a favorable rate on my next car purchase which must happen before the end of the month. I would like to file this report to get them to resolve this matter urgently. ( I have included a screen shot of the notification from XXXXXXXX XXXX of the report from Amerisave, and also an image of a document from Amerisave dated XX/XX/XXXX, stating that I had been approved for XXXX XXXXXXXX forbearance. Note that in the confusing document, they requested additional information not required under the CARES Act and tried to create a sense of urgency around sending the information. Over the next several months, I received approximately 5 similar documents each month. )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: SG and Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Whom It May Concern : I am writing to complain about a collection account that appears on my credit report. The account is for {$1100.00}, original creditor XXXX XXXX. 

I have never conducted any business with Stafford Group and Associates, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. 

I first became aware of this collection account when I recently checked my credit report. I have never received any bills or correspondence from Stafford Group and Associates, and I have never made any payments to them. 

I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. 

I have not received any debt validation letters from Stafford Group and Associates. Therefore, I believe that they are illegally reporting this debt to my credit report. 

I demand that you immediately remove this collection account from my credit report. I also demand that you send me a debt validation letter. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-08-22
Company: ALLY FINANCIAL INC.
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Subject : Illegal Freezing of Assets? 
Body : My issue is with Ally Bank. I recently changed my phone number. Once I had changed my number, I updated that information with Ally Bank accordingly. Unfortunately, this triggered a freeze on my account. When I try to access my account, I am locked out and receive error messages such as " We've locked your account. '' I've been on several phone calls now, yet none of them were able to unlock the account. As it stands currently, my assets are frozen and I'm not convinced that this freezing of my assets is legal.

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 2023-08-21
Company: Kovo
State: KS
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:
My identity was used for a credit card and I already wrote to this companies thats Im not responsible for it and needs it to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
After closing my checking account at US Bank, US Bank fraudulently reopened a checking account in my name and continued to service the account and sent me statements starting XX/XX/. I closed my account with US Bank on or approximately XX/XX/. The account is still open at this 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 explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: CA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
At XXXX XXXX on XX/XX/2023 I received a text message from Wells Fargo XXXX me that my checking account balance was - {$49.00} ( it is attached ). This was due to a {$66.00} payment from life insurance being drafted from my account. 

Wells Fargo has started a new initiative called Extra Day Grace Period ( EDGP ), giving XXXX customers XXXX days, instead of XXXX, to make deposits before XXXX EST ( XXXX ) to cover any overdraft and avoid fees. Here 's the information on XXXX : XXXX : XXXX XXXX I have XXXX I got to work to cover that negative balance from the {$66.00}, I had already deposited {$16.00} at an ATM on XX/XX/2023 before XXXX XXXX ( also attached ), then the {$66.00} hit my account after that, and I had already scheduled a {$50.00} deposit from an outside account to go into my Checking too, that transaction deposited same day, later on before XXXX XXXX ( attached ). Which brought my balance to {$0.00}, inside of the XXXX days. 


I found out today a {$35.00} overdraft fee was assessed on the {$66.00} transaction. Yet again, Wells Fargo " stacked '' aka reordered transactions around to create an overdraft fee. Even though the funds covered the {$66.00}, per their own XXXX guidelines / policy. 

I want the XXXX {$35.00} fee refunded back to, eliminated, and credited back to 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
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the best of my knowledge, all of the above inquiries are fraudulent as I am a victim of identity theft because I did not make these hard inquiries, and I would like them terminated.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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