BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right.and some of these inquiries is listed on my credit report several times. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, an online bill pay was scheduled for my daughters XXXX. Unfortunately, the payment was sent to the wrong address. I contacted Bank of America, and changed the address & asked them to reissue another check. Sadly, the change was never updated and an additional check was issued to another wrong address. After communicating with the XXXX, two weeks later, the checks had still not arrived. Another check was issued, this time with the correct address, but it was expected to arrive a month after the payment due date. I requested another check be mailed using overnight service & a refund of a {$50.00} late fee was issued by the bank, since the XXXX was no longer patiently waiting for their payment. The check arrived the following day, so I thought my concerns with Bank of America were resolved. Unfortunately, a week later, my online bill pay account experienced some dramatic failures. I have alerts set up on my account, to be sent to the same email address that has been active on my account since I opened it 15 years ago. The alerts are for when money is transferred into my account & when my account is overdrawn. I did not receive any of those alerts to my email. This is the first time this has ever happened. I was charged {$70.00} for overdrawn items. After contacting Bank of America and speaking with two supervisors, they were only willing to refund one overdrawn fee, despite making false statements about the accuracy of my email address and the accuracy of the alerts set up on the accounts. They claimed that alerts that had been set up on my account for many years were not active, despite receiving one through my mobile app the morning of the dispute. Im concerned that the overall accuracy of my account has been compromised. There unwillingness to refund the charges, when obviously strange and unaccounted for discrepancies happened, is not only disappointing and upsetting, but the lack of accountability from Bank of America is shameful. I was charged late fees for discrepancies solely related to bank errors. They claim that since the bills were paid in full, with no late fees ( this time ) that they were not willing to issue any further refunds. I have been a customer for 15 years, never had any issues as dramatic and upsetting as this & the lack of customer support is disgusting. I hope my experience can be used as a learning tool for other customers. TAKE YOUR MONEY TO A DIFFERENT BANK!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$510.00} CB IXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$770.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) Balance : {$660.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$610.00}

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 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX have received a hard inquiry after applying for a car lease with XXXX XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying hard to put in a little extra a month to my two remaining loans through Navient. The interest rates are the same, but one is around {$600.00} more ( {$2700.00} vs. {$3300.00} ), so I want to pay the extra to the one with the higher balance. Each time I make an online payment, I specify which loan I want the money to go to, and it always gets split between the two. The last time this happened, XX/XX/2019, I requested that they fix this. Two days later, they responded saying they would make the change but not for 7-10 business days. I just made another extra payment yesterday, XX/XX/2019, and the exact same thing happened ; the money ( {$44.00} ) was split between the two loans. 

I don't want to have to keep contacting them to fix a problem that shouldn't be happening in the first place. I feel like they continue to do this just to get a little extra interest money from me which I don't think is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-04-18
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: Public record information inaccurate

Complaint:
There are three public records that appear on my XXXX credit report. 

One for {$15000.00} for XXXX County Superior Court, which is reporting a balance. This was also remedied under a IRS program. The amount has been satisfied and should not appear on my credit. 

The two items listed under XXXX Magistrate for {$4200.00} and {$5300.00} DO NOT BELONG to me, and should be removed from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, XXXX   and Equifax credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Attempting to collect on a debt that is not only past the statue of limitations, but its also a debt that I do n't owe. They are continuously calling and harassing 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 explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX BANK XXXX Account number XXXX Account name NEIGHBORS XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name WXXXX Account number XXXX Account name PREMIER XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 seven 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 the information is inaccurate.

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 2019-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This is in reference to complaint # XXXX, which has previously been filed and closed on XX/XX/XXXX. However the issue is still unresolved. 

The comments below all relate directly to Capital One 's response to my complaint.

1 ) The letter does not provide the date the final payment is due before interest will be charged. Rather is only says XX/XX/XXXX. What is the actual day during the month of XXXX? 

2 ) When I spoke to representatives at Capital One they told me it was due XXXX, then they told me it was due XX/XX/XXXX. Now their letter says it is due in XX/XX/XXXX but does not provide a specific date. Why is it that each time Capital One responds to this question the date it is due gets shortened? 

3 ) A representative from Capital One called me in early XXXX and left a voice mail to call back. When I did I found I was calling they general customer service line. After holding for 10 minutes, then re-explaining why I was call, then being placed on hold, the representative finally came back on to the line and told me a letter was being mailed. Presumably the letter attached to their response. However I have NEVER actually received this letter.

4 ) On XX/XX/XXXX I received a call from another representative, this time from the " Executive Office '' wanting to discuss case # XXXX. I have called the number provided, XXXX, extension # XXXX, at least 5 times and left voice mail messages with my phone number. This person has never called me back. 

Capital One has still not resolved this complaint. In fact their responses only further confuse the matter. They simply prefer to give consumers the runaround. I am still expecting a resolution to this matter by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: EQUIFAX, 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 information incorrect

Complaint:
XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX XXXX and the second mortgage company is XXXX XXXX. Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my Equifax credit report. 

XXXX XXXX XXXX XXXX is reporting to Equifax two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with XXXX XXXX. 

I contacted Equifax on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to XXXX XXXX to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018. I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The total balance shown {$3100.00} for XXXX XXXX. This is a fraudulent account opened in my name. I never have any service or associates with XXXX XXXX. On XX/XX/2018. I called XXXX 's fraud alert line and reported the fraud concerns, however, the customer service told me that there was an account opened under my name, however, she could not access my information because the account already sold to XXXX XXXX XXXX XXXX XXXX. She said she can not help me and told me to call the debt collection agency instead. 


Below is the body notice of the notice that sent to me : Dear ( my name ) : This notice is being sent to you by a collection agency. The records of XXXX XXXX XXXX XXXX XXXX show that your account has a past due balance of XXXX Our client has advised us that they are willing to satisfy your account for 35 % of your total balance. The full amount must be received in your office by an agreed upon date. If you are interesting in taking advantage of this opportunity, call our office within 60 days of this letter. Your reduced balance amount would be {$1000.00}. Event if you are unable to take advantage of this opportunity, please contact our office to see that terms can be worked out on your account. We are not required to make this arrangement to you in the future. 

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2019-04-18
Company: Unified Lending Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Unified Lending Inc. located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX UT XXXX, sent an advertisement to me which was intentionally designed to look like it came from my mortgage lender. The flyer references my lender and my account number in bold type, which is confusing to consumers and deceptive. This type of advertising is specifically prohibited by Regulation N 1014.3 ( o ) " The source of any commercial communication, including but not limited to misrepresentations that a commercial communication is made by or on behalf of the consumer 's current mortgage lender or servicer ; ''. The advertisement also violates UDAAP. I have attached the advertisement and strongly suggest that this type of marketing by Unified Lending Inc. immediately cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX was found guility for predatory lending and collection. These accounts are to be removed and discharged per the lawsuit. XXXX still appears on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following disputed items will be removed soon. 
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 non-monetary relief