BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: BARCLAYS BANK DELAWARE
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 had an old navy credit card back in XXXX - XXXX I paid it off and closed it myself but it has remained on my credit report for 10 years is that legal and the highest amount was {$200.00} I thought only bankruptcy can stay on your credit report that long how come this company that I closed my account on my own cause I didnt want it anymore how was this company able to ruin my credit for 10 years this should not be legal and its not fair and my credit card was with old navy XXXXXXXX XXXX  and now they with Barclays and Barclays dont have a record of me its all 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 2023-03-01
Company: SYNCHRONY FINANCIAL
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:
ON XX/XX/2023 The company responded to me Adding that they will not honor my request The credit bureaus stated that account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX But how is that possible when " date open '' are inaccurate and " last reported dates '' are inaccurate and " last active dates '' are incorrect as well.THIS IS GROUND FOR REMOVAL.They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My behalf as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: MO
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: Other problem getting your report or credit score

Complaint:
I enrolled in the free membership to view my credit which I was the 1st time. Once I started getting email alerts my score was no longer available. The 3 reasons listed are not applicable and the other bureaus report.

I contacted Experian and was told the same as above, then was told I needed to dispute and was transferred back into que to hold for estimated 11-15 minutes I disconnect.

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 2020-12-17
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.Q. data international had false info put on my credit report, failed to validate the dang and repeated harassing phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting an inaccurate late payment for the XXXX XXXXXXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over a period of three days in early XXXX, 2021, USAA Bank allowed a number of fake checks totaling almost $ XXXX to be deposited via its mobile deposit app feature into a joint checking account and a joint savings account that I share with my niece, XXXX. My niece, who lives in XXXX, VA, was complicit in the fraud and I have been working with the bank to resolve the issue. I live in XXXX, VA, four hours from XXXX and I was not aware of the fraud and did not participate in the fraud. However, I have been working diligently to bring the account back to {$0.00} in order to close the account and disassociate myself from my niece and her wrongdoing. 

I am upset and frustrated that when USAA Bank accepted those deposits ( each fraudulent check was over {$9000.00} ) they DID NOT PUT A HOLD ON ANY OF THE MONEY, and USAA ALLOWED MY NIECE IMMEDIATE ACCESS TO ALL THE FUNDS. She was able to use her ATM debit card immediately AND REPEATEDLY to withdraw {$12000.00} out of the account in reliance on the fraudulent checks. She made numerous {$1000.00} withdrawals from the same XXXX, VA ATM ( again, totaling {$12000.00} ) over a span of two or three days, in reliance on those fake checks. She was also able to use an XXXX XXXX XXXX. to pay a third party {$1900.00}, again in reliance and against the $ XXXX in fake checks she deposited. 

I believe this is an unacceptable banking practice. Those checks, at minimum, should have had at least half of the funds placed on hold, until the bank confirmed that those checks were legitimate and that those funds were available. 

Because they allowed the joint account holder immediate access to ALL OF THOSE FUNDS, I was responsible for paying restitution to the bank to bring the account back to {$0.00} so I could close the account. The total amount I owed as a joint account holder for USAA Bank 's oversight is {$14000.00}. I believe the damage could have been much less had USAA Bank practiced sound banking policies to protect consumers like me from this type of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX XXXX # XXXX XXXX. I recently closed the account and paid it off in full. 

However, I am getting repeated calls from someone called Credence Resource Management. I have been contacted by them twice in the past 24 hours. I do not owe anything but yet the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America double charged me XXXX dollars multiple times for having insufficient finds in my account. The bank increased my credit limit to XXXX dollars without my consent

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 2023-07-12
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:
I am sending my CFPB complaint to notify you that the three credit bureaus were unable to delete the items I am disputed before. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 605b within the time allowed 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 are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ; XXXX A XXXX  ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-01-13
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:
Since XX/XX/2021, I have had XXXX collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.

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 2023-03-15
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: Their investigation did not fix an error on your report

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 corrected : XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXX : {$980.00} XXXX  XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00}

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX CAXXXXXXXX  XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX  XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-03-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Submitted dispute # XXXX to Equifax on XX/XX/XXXX regarding reporting of XXXX credit card account settled in XX/XX/XXXX. XXXX and Equifax failed to report the Date of First Delinquency / FCRA Compliance Date as required by law. 

As of today XXXX almost 2 months later ) the dispute is still shown as Pending when I check its status on the website ( screenshot attached to complaint ). 

XXXX The account is still reporting without displaying a Compliance Date. 
* I have never received the results of the dispute. 
XXXX Equifax has exceeded the 30-day maximum dispute time frame on this account. 
* I no longer have confidence that Equifax is conducting a competent review of its reporting on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX and Equifax Only XXXX XXXX XXXX ( ALLEGED ORGINAL CREDITOR ) XXXX XXXX XXXX This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter. 
I demand this account be removed/deleted asap because of the violation and I know under 15 usc 1692k XXXX I get {$1000.00} per violation. SO i am demanding deletions/removal of this account or im seeking monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: HANCOCK WHITNEY BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : I am writing this complaint to inform you about the descrepancies that occurred to my mortgage account which in turn has created a major negative effect to my credit report. On XX/XX/XXXX i called in and spoke with a customer service representative by the name of XXXX. She in turn was able to help by correcting and waiving all late fees that were assessed to my account due to the error. She also notified me that my account was fully paid and up to date. and Lastly she supplied me with this email to contact someone to look into this matter to have my payment status reported correctly and remove the 30 day late payment from my credit report. I am requesting to have the 30 day late payment removed from my credit report due to the issues that occurred to my account that were not of my control. 
For the past three months, my account has not been properly deducting my payments from my checking account at Whitney Hancock Bank and processing the ACH payments. Each of the last three months I have deposited the funds for my mortgage into my checking account as usual and came to find out that no ACHs were occurring to deduct the funds from my account. The funds accumulated up to {$3500.00} before i received an alert on my credit report that my mortgage had not been paid. 
When i purchased my home back in XXXX of XXXX, I signed an ACH payment letter stating that my checking account would be automatically deducted from in order to pay my mortgage payments. For the last 20 months, I have not had any missed payments. I take my credit and bill paying seriously and make sure all of my bills are paid monthly without missing any payments. Ive worked extremely hard to get my score above XXXX and would appreciate the help in restoring my credit back to what it was prior to this banking/computer error that has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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 corrected : XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXX : {$980.00} XXXX  XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: U.S. BANCORP
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:
There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : 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 2021-11-04
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: Public record information inaccurate

Complaint:
I have been trying get XXXX, XXXX and Transunion to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.

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 2021-01-29
Company: MidAmerica Mortgage Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan is managed by XXXX XXXX XXXX upon receiving our XX/XX/XXXX statement our payment was raised from {$1400.00} to {$1900.00} I contacted them and was told that I had a shortage in my Escrow impound.. I was never sent any notice that a shortage had developed something they were aware of starting at the end of XXXX. I asked if this could be paid over 24 months instead of 12 because a XXXX increase would cause me a financial hardship. They denied my request based on my ability to pay the extra XXXX. 
I feel they should work with me because they should have made an adjustment in my impound account a year ago and sent me notification. I found out about the increase in monthly payment when I looked into refinancing and was told my current monthly payment was listed at {$1900.00} In the past I always received notification and an opportunity to catch up my impound and there would be no shortage. I have requested 3 times for information from XXXX XXXX  and have received nothing. I believe my request to spread out this shortage over 24 months is fair but they are playing hard ball with me. With the current economic conditions caused by the XXXX lock downs you think they would work with people. When XXXX XXXX took over processing of our loan didn't know they were a collection agency and not a Mortgage Company

Company response to consumer: Closed with explanation