BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am hereby reporting these hard inquiries on my credit report as fraudulent and not authorized by me. Therefore, I am requesting they be removed from my credit report. 

DO NOT mark this as a duplicate application or close it without resolving this issue because I have a right under federal law to report this matter and request action be taken.

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 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion refused to show me how they verified the collection account XXXX. When I can not get a response from them.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: OH
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Monday XX/XX/XXXX my wife tried to use her debit card to make a purchase and it was declined, she checked her account to find out why the transaction was declined and found out that her account was overdrawn. She called the XXXX on the back of her card and was told there was a fraud hold on her account and was transferred to the fraud department, after holding for over 2 hours she was told the fraud department was closed and to call back the next day. On Tuesday, she called back and the fraud department said they were NOT the ones who put the hold on her account. She went into a bank branch on Tuesday and she was told her account was frozen so as to carry out an investigation on suspicious activity. The bank was unable to give her specifics. The bank branch called the department who placed the hold on her behalf to find out what was going on and the person the bank agent spoke to was sent an email to give her and the department refused to speak with her after she asked to speak with them. 
With what she was going through, I decided to check my own account and found out that both my accounts also had the same hold as her account. Both of us have been calling the bank to at least release some of our funds so we can both carry on with our lives while they investigate but they are not doing that or giving us a time frame as to when the investigation will be over.

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 2017-04-15
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I tried to close my IRA Account with Union Bank because I am unhappy with their service. 
I want to transfer the funds to XXXX XXXX XXXX. XXXX XXXX XXXX call Union Bank and was told they need to send a request letter to their IRA Dept and the process would take 28 days, so I went back to Union Bank and requested the funds in the form of a cashiers check. They refused to close my account & give me the funds. They said XXXX XXXX XXXX would have to send a request to their IRA Dept. I asked how long that would take and I was told " a couple of days '' by XXXX XXXX. I went home and called the IRA Dept of Union Bank and they told me it would take 3 to 5 business days after they receive the request letter from XXXX These XXXX banks are only XXXX blocks apart. I feel like I am just getting the run around and I am getting tired of it. Right now I am calling Union IRA Dept every day to see if they received XXXX 's request letter. If they do n't want to transfer the funds they could just keep saying they did n't get the letter. I am an XXXX year old widow and I think they are stalling to get back at me for closing my other accounts at Union after I told them I was unhappy with their service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act. The list of XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2017-04-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
BACKGROUND : Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my XXXX checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX for {$7500.00} ; and one to Wells Fargo in the amount of {$5300.00}. I initially planned on going to my branch the next morning, but then in the wee hours of XX/XX/2017, decided to call XXXX XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed XXXX would make good on these fraudulent payments, but their Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My XXXX banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX from XXXX Executive Office, who told me he would investigate my claim. XXXX concluded that XXXX position of denying my claim was unchanged, but as a courtesy, they requested XXXX to reverse the online payment to them, which they did, and I recovered that {$7500.00} payment. XXXX said they were not given the option to reverse the payment to Wells Fargo for {$5300.00}, and suggested I pursue that matter on my own. So he provided me with the WELLS FARGO A/C NO. XXXX, so that I could pursue the {$5300.00} fraudulent payment that went into that account from my XXXX account. 
WELLS FARGO EVENTS : Wells Fargo has not helped me, and concluded that they have done all they 're going to do, and told me that I 'd have to pursue the matter with XXXX. A Wells Fargo representative named " XXXX '' ( who works with or under XXXX in their Executive Services Dept. did provide me with a Wells Fargo email address that only law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. ) to correspond with. At any rate, I am still at a loss of {$5300.00}.

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 explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2017-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has allowed Collection agencies that to re-post accounts that have been resold more than once.

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 2023-08-29
Company: Experian Information Solutions Inc.
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still showing late payments on my report. I'm hoping that these disputed accounts get corrected as well.

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 2022-07-20
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: CO
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2017-04-14
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get Robocalls from Comenity Bank at least XXXX times a day. They have called under the following numbers : XXXX and under Unknown. I made a payment of XXXX dollars last month in addition to another XXXX dollars. I only owe XXXX. I work for a federal government office and I am a fraud coordinator for our internet programs. They have threatened me with legal action, they call me outside of XXXX. I have kept all of the voicemails with the people 's extension ( my iphone stores the voicemails as text ). I informed them of the Telephone Consumer Protection act every time and that if I just made a payment of over XXXX dollars they need to stop with the phone calls until I am past the next payment due date if that is all necessary. This is excessive Robocalls. In addition to that they are using an outside company XXXX XXXX XXXX to make their calls. This is not a collections company. I thought that was illegal for them to do as well. They are sharing my information and debt information with outside companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} 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 2021-07-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made MULTIPLE attempts to contact ProCollect within this past year, almost every 30 days - as they are incorrectly reporting a balance owed on my credit report. Ive sent disputes and requested debt validations via certified mail. I have contacted the apartments they CLAIM I owe and provided them with the documentation showing proof that I owe NO BALANCE. Additionally, the amount they claim I owe has been changed which further shows that this is inaccurate and untrue. I even had the Manager at the apartment complex email them the document directly. Ive requested debt validations ; Ive requested for the account to be removed COMPLETELY as it is hindering me and 100 % inaccurate and have only been met with the rudest customer service I have ever received and nasty comments/conversations. This matter needs to be handled immediately. The account needs to be removed completely and a deletion letter needs to be sent to my email address.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: MO
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 sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO 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