BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Kriya Capital, LLC
State: OK
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 have a few collections that do not belong to me and the credit bureau wont take them off my account on XXXX credence resource management opened a collection for XXXX $ with the original creditor being XXXX XXXX on XXXX source receivables manage opened a collection for XXXX $ on XXXX the original creditor being XXXX  XXXX XXXX opened on XXXX with the original creditor being XXXX XXXX XXXX  which was a condemned apartment complex that was shut down while i was living there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I have told Transunion that I have been a victim of identity theft but the inquiries have not been removed.

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 2017-12-20
Company: Experian Information Solutions Inc.
State: NC
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 was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.

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 2019-09-30
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: Their investigation did not fix an error on your report

Complaint:
Sir or Madam : I have been attempting to correct erroneous credit reporting over the past two+ years. 

Many items on the report are simply wrong. 

I have family members with the same and similar names. I believe that this may be part of the issue. 

The dispute process has been employed multiple times over the past two+ years. 

XXXX XXXX, XXXX & Experian ( a.k.a. the CRA 's ) have failed to correct or remove disputed items in accordance with the FCRA. 

Regarding the CRA 's obligations pursuant to 'ReInvestigation ', this is where the problem lies. 

After the initial disputes are filed, I get barraged with electronic, canned responses that are the same each time. These equate to nothing more than electronically-generated FORM LETTER RESPONSES. 

I have repeatedly asked the CRA 's to have a HUMAN BEING REVIEW SIMPLE ITEMS TO CORRECT OR DELETE, HOWEVER, THE CRA 's HAVE NEVER, TO DATE, HAD A PERSON PROCESS MY REINVESTIGATIONS ( which I understand violates the FCRA 's requirement for ReInvestigations ). Please EDUCATE ME ON THE FCRA HUMAN REQUIREMENT ( s ), if HUMANS ARE REQUIRED TO DO THE WORK. 

This has created an enormous stress and burden on my family and I. 

We are in the middle of a mortgage application to honor the lender 's requirement that we pay the entire mortgage off ( through rate/term refinancing ) on or prior to XXXX XX/XX/XXXX. 

As a result of the failure of the CRA 's, we have been denied credit from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX even though the our credit is stellar/eligible outside of these errors and misreporting. 

We were offered a discounted payoff of our mortgage if we paid it off by XXXX of XXXX, however, we were unable to do so as a result of the CRA 's failure ( s ). 

All told, this problem is damaging us significantly. The total damages exceed {$200000.00} as of the present date ( XXXX XX/XX/XXXX ). 

We are in jeopardy of losing our home if we do not perform and honor our current mortgage contract by paying it off by XX/XX/XXXX. 

We do not have the means to file an FCRA lawsuit, so, please help us! 

On behalf of my wife, XXXX, & children, we thank you in advance for any and all assistance the CFPB can assist us with having the CRA 's simply correct incorrect and/or erroneous credit reporting. 

Sincerely, XXXX XXXX. 
XXXX XXXX, MI

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, someone fraudulently used my debit card to make a money transfer in the amount of {$500.00}. I disputed this charge with Bank of America. After an investigation they denied my claim because the their investigation found the transaction to be valid. In the documents they sent me for the basis of denying my claim, the person who made the charge has a different email address than me, a different telephone number than me and it is clear that I did not make this transaction. The transfer was made to someone in XXXX, XXXX. I dont know anyone in XXXX. The phone number used belongs to someone named XXXX XXXX who lives in another state and has a different cell phone carrier than I do, and the email on the documentation does not belong to me, and it is not my IP address. My name and address appears under the billing portion of the documentation.

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 2022-12-23
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:
This is my 4TH Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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

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 2020-06-03
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I received two letters from TD Bank stating my accounts with them were dormant. The letters directed me to call them or to go to a branch in order to receive the money on my accounts. I live hours away from the nearest branch. Upon calling the bank, I was placed on a 29-minute hold. The telephone representative was unable to provide me access to my money, even after accessing my credit file and asking me verification questions. She told me the bank could not grant me access to my money, and the bank would not mail a check to me. I asked her if I would need to file a complaint with the government in order for me to receive my money. She didn't seem to care. It appears, in cases such as mine, this bank 's policy is to hold its customers ' money unlawfully. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: TX
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Information belongs to someone else

Complaint:
I have reviewed my credit report and very upset to see the below are still can be seen in there. I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. If you can not verify these accounts meaning they are fraudulent.

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 2023-03-21
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2019-09-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2017 my information was personal information was compromised due to the XXXX   Breach on XX/XX/2017. Since then many inquiries has been placed on my credit report that do not belong to me. In the attachment Ive sent you are all the inquiries that are on my credit report. I have circled the inquiries that do not belong to me. Ive tried reaching out to to these companies but I have gotten no response regarding this matter. Please remove these item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Early Warning Services, LLC
State: NC
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:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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

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 2021-08-09
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XX/XX/2021 with XXXX XXXX  XXXX. During this process I provided the mortgage originator documentation of the two insurance policies applicable to the subject real property. The originator failed to include both policies in the estimated closing statement. After informing them of this for a third time they finally included it. Once the loan closed, it was immediately transferred to their subsidiary servicing company Loan Care LLC. Upon, discovery that the servicing company only had one insurance policy on file I called their insurance department to report the omission. After many assurances that it would be taken care of, the phone call ended. I later received an escrow analysis informing me that my monthly payment would be reduced because they miscalculated the original payment amount. Upon further review of the analysis provided I discovered that the payment was reduced because they had not included the second insurance policy. I called them again to inform them of the second policy and was once again assured that the policy would be paid and accounted for in the escrow. Afterward, I sent them the missing insurance policy for the 4th time since the start of the loan process. On XX/XX/XXXX I received a letter from my insurance company informing me that my payment due on XX/XX/2021 was overdue and that my policy will lapse on XX/XX/2021. I called Loan Care again to inform them of the situation. They once again told me it would be taken care of. Seeking to document my interaction with Loan Care and the nature of these interactions, I requested in writing the acknowledgement of my informing them of the second insurance policy and the overdue payment. They refused to give me in writing this acknowledgment.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
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:
Upon viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : 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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am not sure of these accounts with XXXX XXXX XXXX XXXX, XXXX, XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in TRANSUNION so I believed TRANSUNION was not able to investigate these accounts promptly. Please supply any signed agreement with this company.

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 2022-12-22
Company: EQUIFAX, 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 am making this complaint my self I me XXXX XXXX the human being not a third party company. 
I am the victim of identity theft. i reported it to the ftc and to the credit bureaus and have followed all of the steps that i was supposed to take to get the accounts removed from my credit report but i still havent seen anything removed. this is an outrage and i am about to hire an attorney to seek monetary compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I made a domestic wire transfer through HSBC for USDXXXX and the funds have not yet reached their destination, were supposed to arrive on XX/XX/XXXX. 
I call to HSBC US on XX/XX/XXXX ( investigation # XXXX ) and after 2 weeks they informed me that the destination bank was requesting clarification about a reference on the transaction, but due to an internal restructuring of the bank, no accounting officer sent the necessary information. 
Also, I have a claim # XXXX It is assumed that they have already sent the information but the destination bank ( XXXX XXXX ) has not yet received the funds. 
Considering that the payee is my father, attached is his account Statement ( XXXX XXXX ) demonstrating that the amount was not received and also the transaction receipt ( HSBC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A card was applied for in my name on XXXX for Barclays XXXX I received the card in the mail. I contacted them and closed the account. All of the info matched but I did not apply for this card. I also received a notice that another card was attempted to be applied for from XXXX that a card was applied for on XX/XX/27 but was not approved because identifying information did not verify. The card from Barclays was a hard hit on my credit report. I have contacted XXXX and was told I had to send them a copy of the report from the Federal Trade Commission with my DL and SSN for the hard hit to be removed.

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