BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: Experian Information Solutions 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:
I am a hard working citizen of this country that is being punished for mistakes ive made when I was much younger I can not even get a decent place to rent. I have been working on my credit since last XX/XX/2018 and my score goes up to about 600 then descends vastly overnight as soon I apply for a mortgage. How am I supposed to get a lender to approve when my score drops 40+ points overnight? This has happened to me several times recently so I'm accruing hard inquiries without being taken seriously. I need help I'm struggling my landlord is selling the home we live in and I can't purchase that property and cant even rent an apartment.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX reported two account to the credit bureaus for monies I dont owe, these accounts are over XXXX XXXX XXXX. These accounts were removed once and the credit bureaus Experian, XXXX and XXXX has allowed this debt collection company to report these accounts again which violates my right as a consumer. Medical data is a juke buying debt company and XXXX owe them nothing. These accounts are not legit and I want them off. I will be contacting me an attorney if these accounts are not completely removed from Experian, XXXX and XXXX credit file immediately

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 2019-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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/2019 I filed a claim with Bank of America for unauthorized use of my ATM Debit Card. 4 charges from XXXX XXXX totally {$3300.00}. The 1st charge was for {$850.00} on XX/XX/2019. The other 3 charges were on XX/XX/2019 in the amounts of {$850.00}, {$840.00}, {$840.00}. I called Bank of America back on XX/XX/2019 and was told my claim to be reimbursed was denied because I " checked my online account '' throughout the period of the fraud and did not report it in a timely manner. I was advised by the Bank of America employee to write a letter disputing the denial and fax it to XXXX ( Debit Card Operations ). I faxed the letter on XX/XX/2019 and called Bank of America back on XX/XX/2019 to confirm it was received. I was told yes, it was received and it could take up to 60 days for a " final decision ''. I called Bank of America today, XX/XX/2019 to get an update and to find out any further information and the Bank of America employee, XXXX, was only able to tell me my claim had been assigned to a specific individual in the Fraud Dept but she was not allowed to give me any names. 

I have also called XXXX XXXX and they assured me my wireless account was not used to purchase the phones paid for with my business debit card. 

The Claim # is 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 monetary relief
Consumer complaint received 2019-08-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been dealing with an ongoing issue with Wells Fargo card for two (2) years. I called customer service again today and spoke with XXXX who advised that I had to contact the merchant to continue the process. I shared that I did not get the service nor amenities that were promised. The resort was extremely dirty and bug infested, my daughter suffered an awful bug bite and had to receive medical treatment. The resort did not have the number of resturants as advertised on their website. Wells Fargo has failed to properly investigate my claims.

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 2022-07-18
Company: BOEING EMPLOYEES CREDIT UNION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX in XXXX, Washington ( financed through a BECU loan ). I was under the impression that there was a 30-day grace period to switch my car insurance over from my old vehicle to my new vehicle. Despite this, I forgot to switch my insurance over. 


On XX/XX/XXXX, BECU sent me a letter stating that I need to provide proof of car insurance. 


On XX/XX/XXXX, I received the aforementioned letter in the mail. 


On XX/XX/XXXX, realizing my error, I contacted my car insurance company ( XXXX XXXX ) to switch over my car insurance from my old car to my new car. 


On XX/XX/XXXX, I received another letter from BECU stating that they will purchase lapse insurance on my behalf for {$700.00} for the period XX/XX/XXXX to XX/XX/XXXX and add this money to my loan balance. The letter states that I must provide evidence of coverage for this period or I would be charged {$700.00}. 


I asked my insurance company if it was possible to obtain coverage for this period, but they said it was not possible after the fact. 


On XX/XX/XXXX, I called BECU and spoke with XXXX and XXXX in the Loss Management Department at BECU about the {$700.00} charge. I was upset that I was charged so much money for 2 months of insurance. I asked that they provide me with a receipt showing why 2 months of insurance cost {$700.00}, when my insurance with XXXX XXXX cost around XXXX XXXX/month. XXXX told me that BECU would mail me the receipt. After waiting for many months, I never received this receipt. Please note that I have a secure locking mailbox, so it is not possible that the receipt was stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have 1 employer that is incorrect and 2 previous adresses that are incorrect that need to be deleted. Several inquiries that I did not authorize that need to be deleted. I also have several accounts that are not mine and one that I was never late on and one account i want to validate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Reporting company used your report improperly

Complaint:
Transunion is breaking the law. Transunion must provide documentary evidence that proves that XXXX XXXX XXXX received permission to release information to you. 

Under Consumer Protection Credit Act & Fair Credit Reporting Act I reserve the right to protect the privacy of my personal information from all third party reporting agencies.

Transunion is in violation of 15 United States Code 1681b. Permissible purpose of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other, ( 2 ) in accordance with the instructions of the consumer written instructions You and XXXX XXXX XXXX, have no permissible purpose by law to report my non-public personal information to my consumer report. Transunion never received written instructions from me to report such information. This company has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX XXXX XXXX Agent of Transunion received my letter on XX/XX/XXXX and is WILLFULLY and KNOWINGLY reporting this information on my consumer report without my consent. This is my last and final attempt to give Transunion a chance to correct this matter before i proceed with litigation.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are 19 total inquiries on my transunion credit file that I was told were removed by them but there still showing I havent applied for any credit from any of these 19 companies

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 2021-12-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXBalance {$0.00} XXXXBalance {$1900.00} XXXX XXXXBalance {$760.00} XXXXBalance {$1200.00} XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXXBalance {$0.00} XXXXBalance {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
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 2023-06-13
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:
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 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 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 that 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 2022-08-13
Company: Harpeth Financial Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I was involved or well my checkbook was involved not me personally but my checks were stolen and their were checks that were fraudulently wrote out to people or the people that stole my checkbook and they were taken to Advance Financial and were cashed. Well somehow the people went to jail for identity theft for my checks but somehow I ended up getting stuck with {$850.00} in checks they had forged and signed and this was in 2010 and I just recently was acknowledged of this matter when I had went to cash a check @ The Advance Financial location near my house in XXXX. I had to pay that amount out of the check that I was cashing before they would even cashed I had to agree to pay the amount for them to cash checks of mine anymore. I shouldnt of had to pay the money to them im the first place and let alone give me an ultimatum either pay out the check your cashing today or itll go back to collections. I paid the money when I shouldnt of but I do believe though I was done wrong and would like this matter fixed and taken care of would really like to be reimbursed the amount I paid and for the damages to my credit report it has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
PLEASE PROVIDE CONTACT INFORMATION FOR CREDITOR XXXX XXXX AND XXXX OF DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Following up on complaint number : XXXX Dear Sir or Madam : I am following with the complaint previoslly filed. A representative from bank of America ( XXXX XXXX XXXX XXXX called to discuss the complain and I gave all the facts and surronding of the case for last few months ( which was recorded by her and myself ) She assured this will be resolved and all my concern will be addressed ). I again submitted all the required documents for the modification and was acknowlege receipts and they wanted 3 more items to complete the file. 
To my suprise, I got a letter from Bank of America today indicating my loan is being transffered to a third party company servicing effective XX/XX/2022 that in less than two weeks. 
I strongly feel Bank of America is retaliating againts me for filling the complaint to cfpb, New York Attorney General, DOJ and other agencies. 
I am pleading with your agencies to stop this gross retaliation, discrimination and harrasmment. Please stop the transfer of this file to third immediatelly.. Thank you! 
CC : Borrower

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