BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon disputing this record, TRANS UNION failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX XXXX Trans Union Corp. , No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), they will be liable for their willful non-compliance.

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 2020-09-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$93.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX 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 correct : XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 called TransUnion today and told them that I didnt recognize a inquirys on my report. They stated that they couldnt remove them. Ive sent them letters in the past. And Ive called them in the past.. they dont take us consumers seriously anymore.

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 2021-10-06
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a terrible experience trying to refinance with this company. The loan officer was more interested in locking in my rate and collecting my deposit, {$500.00}, then trying to help me understand the process. They made extremely unreasonable statements about the timeline, closing in 15 days ( current industry standard is 30-45 days ), having an appraisal innated in 24-48 hours ( didn't hear from the appraisal company for 6 days ) and promised quick and easy communication ( after finalizing the deposit I never heard back from the loan officer unless they were contacted by a third party ). When promised communication and timelines failed I called the company directly to cancel my application and get my deposit reimbursed. Even after telling the customer service I no longer wanted to receive communications from the assigned loan officer I was immediately contacted by them because they were notified of the complaint. Mind you I had tried to contact the loan officer directly through many different means prior to filing a complaint and and canceling the application. My request was ignored and the process continued with the same behavior. Poor communication and the only getting responses if communicating through a third party. I was naive to believe the loan officer and commit a deposit not understanding that it is not an industry standard practice. After contacting multiple other refinance companies I found that their rates were not as low as I was led to believe and that their are much better options available then what they presented to me. After deciding my best option forward was to work with a different company the loan officer contacted me and asked why I had stopped complying with their process. I informed him that I decided to go in a different direction, he made no attempt to make good on his promise to match rates. Not that I wanted to work with him any longer. But I was informed that the only way to get my deposit back was if they could not match a rate another company was offering .... 

I would really like to get my deposit back but my review is more a result of the terrible customer service I received than it is from loosing out on my deposit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Firstsource Business Process Services, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FIRSTSOURCE ADVANTAGE LLC violated the CFPB debt collections rules, with a debt collections letter that was sent me dated XXXX. I observed the following violations : # 1 The letter was mailed to my place of business # 2 NO itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date # 3 NO information about my debt collection rights # 4 NO Information on how to dispute the debt # 5 NO tear-off form that you can send back to the debt collector to dispute the debt or take other actions. 

Pictures of the debt collections letter is attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I logged into my Bank of America account to find that my checking and savings account were both missing with a combined amount of {$32000.00}. 
I spent the next 12 hours on the phone, on chat and even at the local branch trying to get answers. All they tell me is its in the closing process and it takes a certain amount of days and you will get a letter in the mail with more info. 

All my paperless statements are gone. I have pending chargebacks that they wont tell me will happen with. They refuse to tell me anything and have reverted to snail mail when all they ever do is badger you to go paperless for all your statements and pay your bill online in seconds. But when its time 6l give you your money back its horse and buggy time.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and 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 2023-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
the company is calling on the weekend too. Saturday and Sunday. like please. I know. they send letters. calls too. they even call at XXXX XXXX  on a sunday. 
phone is for emergency purposes only. you are not gon na die. dont call everyday. 

that should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
In XX/XX/2020 I have received two transaction from my client in XXXX, XXXX XXXX in the amount of {$470.00} and {$320.00} ( attached ). However the sending XXXX XXXX routed the transactions through its affiliate Wells Fargo while disguising the international origin of the wire transactions ( violation of the Patriot Act II ) .. What was received on the end was {$50.00} less for both transactions as the XXXX XXXX XXXX disguised any fees charged to both my client and me and the transactions arrived as {$450.00} and {$290.00} respectively without any proper transaction routing and fee listing disclosures. What bank is doing is not only unethical but illegal and it must be stopped as this type of practice also encourages money laundering and complete lack of accountability/transparency. XXXX XXXX and Wells Fargo refused to answer any questions regarding this transaction.

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 2019-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a collections company that is not providing me with any information. I contacted my insurance company XXXX and the collector XXXX to see why was I charged a bill for {$580.00} that I did not know about. Was told by XXXX that they reached out to the hospital about charges but there are no records and I have reached out to them as well. I reached out to XXXX  and all they are saying that I have a collections but no proof of what the charges are for. The bill I got for the hospital was paid and the doctor did not do anything for me. I basically paid to get my XXXX XXXX took because my XXXX XXXX XXXX had left before they could get a doctor. I was not given anything and was told to see my XXXX  which I did and she was paid through my insurance XXXX. I have requested for Equifax to provide me with documents from the doctor of charges because I have insurance that pay majority of all my medical bills. No one can provide records and I need to see what I am being charged for. Now I have a collections on my credit report and I do not know why. Bureau is not giving me any information on what they are being told by collections agency so these disputes are pointless. I pay my bills on time so this is very frustrating that no one can provide me what I am asking for. Also, the amount changed after the first dispute and I asked about that but got no response. What is the point of providing my proof when these companies are not providing me with anything. If this is the case any company can say I owe them. None of this makes sense to me and I would like a detailed response not a generated reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.

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 2021-01-24
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: Old information reappears or never goes away

Complaint:
My XXXX credit report shows that I have good score and excellent payment history, However I always got denied for credit cards when the creditor runs my credit report, I have some credit cards with some banks I had them for 2 years and my payment history is great however my credit score doesnt grow even I have been using my credit cards responsibly and paying on time and never been late at the last 2 years, My transunion credit report doesnt show my payment history Also I have accounts went for collection that I have paid it already and still shows as I owe them money, such as XXXX XXXX, XXXX XXXX  XXXX XXXX credit card I need your help as I need to know what is going on my credit report when I check my credit score it shows that I have a score of XXXX Which a good score however the collection still shows on my reports despite I have paid already.

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 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Bread Financial Holdings, Inc.
State: IL
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX . Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Information belongs to someone else

Complaint:
I have contacted this listed Agency ask for proof of validation. It's been more than 30 days and no response. I have no knowledge as to why this company is appearing on my report. I have informed them they are reporting non accurate information that is very harmful and at this point offensive. 

Account Name : XXXX/XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX XXXX been reaching out to the 3 major consumer to inform them of XXXX XXXX XXXX XXXX illegally is coming after me for some alleged debt. Which they did not write me 5 days in writting before furnishing my consumer report with this information, which is a violation of 15 usc 1692g. Secondly, they are furnishing information in relation to my medical transportation in the ambulance, on a public consumer report. This violates 15 usc 1681 permissable purpose, as they didn't get my written permission. They also didn't have a HIPAA when I asked and they stated so on a recorded line. 

Please look at the exhibits to see the violations I have received via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: LA
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 not able to obtain the credit to which I am entitled because Equifax, XXXX, and XXXX are ignoring my repeated disputes of numerous accounts that are being reported to my consumer report that I never initiated.They are REQUIRED to abide by the exercise of my right to prohibit the information from being used in connection with transactions that I did not initiate pursuant to 15 USC 1681m ( d ) ( 1 ) ( D ).

I am a victim of identity theft and I have repeatedly requested that the credit reporting agencies block the information being reported pursuant 15 USC 1681c-2. The supporting documentation for the block of information has been on file since 2018 which includes the affidavit of identity theft, identity theft report, written statement, copy of driver 's license and copy of social security card. 

According to 15 USC 1681, false information being furnished to my consumer report is defamation of my character.

The accounts being disputed are being furnished by creditors that are not licensed to conduct business in Louisiana which makes all purported obligations null, void unenforceable, and uncollectible as against public policy of this state pursuant to La. R.S. 9:3518.4 ( a ) ( 1 ).

They are purporting to have completed investigations of my disputes in just 24-48 hours have failed provide an explanation or a list of reasons. The credit reporting agencies are damaging my reputation and causing me credit discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2023, I paid my balance down to zero ... on XX/XX/XXXX, BankAmerica added an additional {$73.00} interest charge.

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