BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE 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:
I have on multiple time disputed a credit inquiry on my Trans Union Credit Report ... they have not removed the credit inquiry from my credit report. ( See attached letter ) Credit Inquiry/Date XXXX XXXX XXXX XX/XX/XXXX XXXX  Visa XX/XX/XXXX Letter was submitted on XX/XX/XXXX and previously as well. 

CFPR complaint submitted on XX/XX/XXXX ... # XXXX I tried to call Trans Union in early XXXX and was unable to get thru ... 

I called again on XX/XX/XXXX ... spoke to XXXX..he said he would transfer me to A Specialized Fraud Team that was handling my dispute. waited on hold for 10 minutes and then the call was disconnected. 

I called about and spoke with XXXX @ XXXX ... told him my situation and how I was disconnected ... He again transferred me to the Specialized Fraud Team. I was able to speak with XXXX and he told me info on the XXXX accounts to be disputed and remove them 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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Crea Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

1XXXX XXXX  XXXX  XX/XX/2021 2- XXXX  XXXX  XX/XX/2021 3- XXXX XXXX XX/XX/2021 4-XXXX  XXXX  XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions 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:
In XX/XX/2018 I notified Experian Credit Reporting that my credit score was lowered to XXXX due to a debt balance of XXXX due to XXXX  phone company. They investigated and fixed the problem after I had contacted the phone company and they acknowledged that I did not owe any debt to them in my name. However after correcting my score they lowered it again and I have been going back and forth with Experian with them stating that I should contact XXXX  and they keep passing the buck so to speak. I noticed that they have my name AKA as XXXX XXXX which is my deceased father 's name and the phone debt is probably his. My full Name is XXXX XXXX XXXX and that is the only name I ever use in all my business and financial transactions. This is an ongoing problem as my credit has always been good and I have never had any delinquent accounts. I would like to have my credit report corrected and the responsible companies held accountable for their mistake.

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 2021-07-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I paid off my accounts on all of my Amex cards ( 3 total ). The limits were : {$12000.00} XXXX recently paid about $ XXXX to pay off completely to XXXX balance ), another was {$5000.00} limit and another was another {$5000.00} limit. Ive had my card since XXXX. I have never paid late, missed a payment, and I always pay twice the amount of the minimum payments. When I tried to make a purchase on the {$12000.00} ( blue cash back card ) limit card they immediately blocked it and put my limit to {$1000.00} and told me they need all of my financials and proof of income. Which I complied and worked on appeal. This was on XX/XX/XXXX. Then on another card ( Amex gold delta sky miles ) today XX/XX/XXXX I had {$5000.00} available credit with {$0.00} balance and I made an XXXX eats purchase for {$9.00} and they again changed it to {$1000.00}. I called to speak to a manager and they denied me. They claimed they have to review my account first ( even though they didnt ask me why I am calling ). I have done nothing wrong nor have I done anything to have warranted such treatment. I pay the annual fees for my cards of over {$300.00} a year and I never missed a payment and in fact I pay off my balances. They cited that I opened new credit cards recently which I did because I was offered 0 % APR and some had more cash back ( e.g. XXXX XXXX for my XXXX app purchases and XXXX card for my XXXX phone bill ). But that should give them the right to suddenly reduce my available credit by more than {$15000.00} for trying to use it to by something so small as {$9.00} XXXX eats pass

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. XXXX XXXX XXXX XXXX {$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 explanation
Consumer complaint received 2019-10-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2020-08-27
Company: AR Resources, 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:
I received physical therapy at XXXX XXXX XXXX in XXXX XXXX, NJ. Before going there, I checked that they took my medical insurance ( XXXX ) and that I had covered by deductible ( {$2000.00} ). XXXX told me that they never filed a claim to be paid. 

Historical Info Original CreditorXXXX XXXX - XXXX Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4 months later, I received a bill from a collections agency called AR Resources saying that I owed $ XXXX.they reported this and it decreated my credit score from XXXX to XXXX. 
I disputed the issue via XXXX and they were basically useless. Here is what XXXX sent me as the results of the dispute : " Account previously in dispute - investigation complete, reported by data furnisher. Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/2020. '' A few months ago, i was in the process of buying a house and I couldn't be in the loan because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Lendmark Financial Services
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: Account information incorrect

Complaint:
Lendmark Finan loaned money for a metal building I paid it off... there was confusion because they recorded it as 2 accounts.
Account XXXX and XXXX  
they reported it incorrectly. It is and was paid in full.. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Wrong credit reporting to mu XXXX y account. accounts not open or approved by 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 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is reporting a name that does not belong to me and i would like it if they would get it off my record the incorrect name on file is XXXX XXXX XXXX and the correct name should be XXXX XXXX XXXX there is a bankruptcy on my credit file that is not mine and i would like it if they did just that.

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 2021-02-24
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for 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 explanation
Consumer complaint received 2020-05-19
Company: Ability Recovery Services, LLC
State: FL
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:
On XX/XX/XXXX I had an account to become pass due with XXXX University. 
They sent it to Abillity collection services whom then sent it to credit XXXX and XXXX credit reporting services on XX/XX/XXXX. My compliant is I asked the Credit bureau for verification of bill all they say it been verified, not telling who verified it or how. Also the Account has an incomplete Account number in Violation FCRA and also it been time barred because it been over seven years since date of XX/XX/XXXX when it became past due. 
It have made calls to both XXXX and Ability services they were rude both hanging up the phone when I asked for verification information. please help me to get some resolve in this case.

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 2020-08-27
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a U.S. Bank Reliacard in the mail on behalf of The Colorado Department of Labor and Employment ( CDLE ). I did not apply for this card. The CDLE website is useless for reporting fraud and their live chat feature is also useless. A person can not call U.S. Bank about the card without first activating the card which I will not do. I never lived in Colorado or paid taxes in Colorado. Why would Colorado issue me this unemployment card? 
All of these agencies are inept. 
This is identity theft.

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 2020-06-04
Company: Acceptance Rentals, 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: Account status incorrect

Complaint:
On XX/XX/2020I paid an account balance for the negotiated about to XXXX XXXX. This payment should have completed my obligation to the company. I have since then called the local office in XXXX, KS and the corporate number with no help to have it removed from my credit report. On XX/XX/XXXX I requested a free credit report from XXXX XXXX. The account still shows as not paid. I called the local office again on XX/XX/XXXX. The associate there told me he got busy and never sent it to the credit bureaus. He also has no way of pulling my receipt to send to the credit bureaus. No one at the corporate office answers or calls back. I have a receipt, which the associate says I can not email to him. I am never able to get additional documentation reporting that I completed my obligation. 

I recently applied for a car loan and was denied. I believe this account had a huge impact on their decision. I am also trying to prepare for buying a house.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America has kept an IRS refund check, drawn on the treasury on hold. According to law, it is my understanding that BofA is required to release funds from a check, within one business day of deposit. I've called twice and spoken with different representatives and been told different things, so it appears their customer service has no firm or fixed policy regarding check holds. I asked them if there was some type of exception, or some problem, and was informed that it was due to " checks being drawn on high volume accounts take longer to clear ''. They are listing the hold time as 8 days from date of deposit, which is clearly illegal under federal law ( Expedited Funds Availability Act ) and the federal reserve 's rules, namely 12 CFR 229.10. It would appear that BofA does this routinely and regularly, in violation of federal law.

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 2018-02-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX : I filed a dispute with all three credit agencies regarding a late charge that was reported as a result of charges accumulated from a stolen credit card.

XX/XX/XXXX : I am attempting to pre-qualify for a mortgage. XXXX can not pull my credit from Equifax as equifax is stating there is a fraudulent alert/freeze on my credit. I contacted Equifax where I was assured the alert would be lifted within 48 hours XX/XX/XXXX : XXXX still can not access my equifax report. I contacted equifax 4 additional times this day -- even conferencing in my mortgage loan officer. I verified my personal information and was also assured I did not have any type of block whatsoever on my file. On this same day, I attempt to obtain my free credit report from XXXX and equifax stated they will not provide it to me unless I resubmit multiple different forms of identification. This

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Inquiries without my permission, derogatory report is inaccurate, late payment by XXXX XXXX is incorrect.

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 2019-09-25
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today on XX/XX/XXXX, I received a phone call from IC System stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XXXX XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to XXXX XXXX and I called to verify with them and it was indeed paid. I feel like this may be a scam.

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 2021-02-24
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2021 I had my unemployment benefits finally uploaded and I have been waiting since XXXX for my unemployment to update ... Bills have been stacking up I simply paid my bills today and now I can't even access the rest of my money in my account because they say I exceeded the daily limit ... XXXX What can I do they say I have to wait 24hrs since the last attempt for withdraw ... Why is there a limit on MY MONEY ....?!

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 2021-07-03
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hi, My children child support card was used to make several payment for rent to states I've never been too, also XXXX XXXX and etc ... totally almost {$4000.00} dollars. My claim was denied and found to be correct ... Bank of America then told me i have to make a police report. But warns me it might not resolve anything. This is my children money please help!

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 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off a mortgage with Bank of America effective XX/XX/2020. My Home Loan Number was XXXX. There was a balance of {$5800.00} in my escrow account which was to be sent to me. When I called the Bank and identified my self with the last four digits of my SSN a recorded message said the check was mailed to me on XX/XX/2020. I still have not received this check and I have been unable to speak with someone in Bank of America 's mortgage department. They put me on hold indefinitely. 
My concern is the check was lost in the mail or got into the wrong hands and was forged and cashed by the thief. 

I would like verification that the check was mailed and if so has it been cashed by someone. 

Can you please help me with this issue. Thank you.

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 2020-06-04
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: Information belongs to someone else

Complaint:
I have come here to this site hoping someone can help me with Trans Union. I let them know that I had things appear on my credit that was not mine & had no clue who applied for this. I have been a victim of identity theft. I am having a hard time trying to get the things that don't belong to me deleted. I have called all the companies and bureaus several time without any changes. This issue should have been taken care of the first time I told them I had a problem. Please help me get this information deleted from my credit report. I sent in a copy of my police report, ID and social security card.

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