BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

Please send me the results to the address listed above.

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 2022-07-20
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY 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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

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

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 2023-08-29
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my Experian report # XXXX I have disputed a few times already that they are reporting over and over inaccurate and incorrect information and that is damaging my credit report I am so tired of them doing this with items on my credit report! The issue is with my XXXX XXXX  Unsecured credit card I opened in XX/XX/2023 which is incorrect and when looking at the Experian you can see they even report it as when the card was opened and then they have backwards information reporting that the last update was XX/XX/2023. That information is backwards! Also, they are reporting that the account has been included in a bankruptcy which also is false information and reporting negatively to my report every month! This account has been closed but has a small amount of history from XX/XX/2023 to XX/XX/2023 of on time payments made and still a balance of {$100.00} which isn't even due yet until XXXX next month XXXX. Please Help me! 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 explanation
Consumer complaint received 2023-08-09
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a loan originated in XXXX of XXXX through TCF as a second mortgage. Since then we went through financial hardship and the loan was supposed to be rolled together with a first mortgage. During this time span apparently the loan was not and TCF was sold out twice and now the debt is owned by Huntington. We were first made aware the debt was still owed while trying to refinance in XX/XX/XXXX, through XXXX XXXX Mortgage and the title company found a lien on our home from TCF from XXXX. I have tried to contacted Huntington on a dozen or more occasions since XX/XX/XXXX concerning documents on the history of this loan and am unable to get anywhere. I get sent to multiple departments, told the manager is on vacation or just told today that there are 87 pages of information and the only thing they will supply us with is the origination of the loan and the title with the lien from TCF. Those documents we currently have because of the title company. We are looking for documentation concerning the debt and what happened to it. Why hasn't anyone contacted us? Why say we owe it still when nobody will just supply information and documentation for the mortgage company to refinance us so we can pay the debt they claim we still owe. I am just looking for someone to assist me as they just continue to tell me I have no right to the 87 pages of documentation they have on file. Why don't I have a right to see it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
First of all XXXX XXXX, previously known as ( XXXX XXXX ) was an account I had back in 2004 this account was removed from my credit report based on credit report policy of after 7yrs being reported. I have never used my daughter email account in any of my personal credit card accounts. Further in XX/XX/2004 my daughter was only XXXX years old meaning the email used to contact me did not exist. So this third-party collection agency agent decided to violate my daughters privacy by how did they get to use her personal email to contact me? What if this person wasn't related to me and the companies employee assumed it was? My entire dept amount which I don't recall, it was given to this individual ( my ) daughter through spam-email including the year of it being opened and when it was charged off and the credit cards amount owed. It states in the bottom that collectors are only to contact your spouse and not to give anyone else your dept information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Company of complaint Transunion For account for XXXX XXXX XXXX XXXX : {$8900.00} XX/XX/2019 My wife and I have been disputing an account on our file for months. ( Joint account t ) We have both sent in burden of proof with court and email documents that this account is over inflated and fraudulent. Transunion investigated my wifes file with proof, and had removed it from her file but yet still on mine stating its been verified which is false. It is joint account and should be removed from both at the same time. Transunion does not do a thorough investigation on files at all. Ive had disputes where one minute its under investigation and literally minutes later stating it has been completed and accurate. They have non American speaking reps to answer your calls and does nothing or understand a word you are explaining to them. You can not upload documents on their website 9 out of 10 times and making it hard to dispute. It has been removed from my wifes transunion and XXXX and needs to be removed all together. 
This account has been removed from my XXXX a year ago but yet still fighting with transunion and XXXX. Why we have to have 3 to 5 bureaus to show your identity is insane.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: OH
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:
After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE items on my personal profile. I discovered that there was a COLLECTION account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with the items listed below, so please help me remove this COLLECTION, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA 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 2018-11-22
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At the beginning of XX/XX/2018, I applied for a XXXX XXXX XXXX XXXX   Business Checking account. I opened the account because I saw a promotion online for : " To earn a {$250.00} cash bonus, open a new Free Business Checking or any Union business checking account, maintain an average balance of {$2000.00} or more during the first 60 days and make any combination of 8 qualifying transactions by debit card at merchant locations, check, or online bill payment within the first 60 days. '' On XX/XX/2018, I received an email from an account administrator requesting business verification documents. I provided the requested documents on XX/XX/2018. 

During the rest of the month of XXXX and beginning of XX/XX/2018, the bank requested additional verification documents, to which I provided in a timely manner. 

On XX/XX/2018, it was informed to me that my account opening was successful and in order to open the account, an opening deposit was required. I was provided a mailing address to mail a check to, to which I provided. The check was cashed and deposited in my account on XXXX. 

Based on the extended process to get the account opened, I was under the impression that I had 60 days from XX/XX/2018 ( account opening date based on all correspondence I received ) to meet the promotion requirements, per the terms noted above. 

However, in the beginning of XX/XX/2018, after a follow-up call, I was informed that my account was actually opened on XX/XX/2018, and that the 60 days were nearly elapsed. At this point it was infeasible for me to actually meet the promotion requirements. 

I moved forward and actually completed the promotion requirements based on my understanding of the effective account open date of XX/XX/2018. 

I reached out to Union Bank via phone and email ( XX/XX/2018 and XX/XX/2018 ) to reconcile this issue, which was cause by the Union Bank elongated account opening process, to which no responses were received. I am now contacting the CFPB.

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 2022-07-20
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/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I have made wire transfer of {$2400.00} for apartment rental, which I found on XXXX. Within 3 hours I realized that it was a fraud and notified Bank of America to cancel wire transfer. Since recipient account was also in Bank of America the bank had full control over money and power to investigate. So I thought. A week later and several phone conversations with BoA financial claims department ( claim XXXX ) I have received official response letter suggesting to " contact the other party for further assistance ''. To contact fraudsters " for further assistance ''??! I have complained to BoA Escalations ( case number XXXX ) whose response on XX/XX/XXXX was simply a phone number of claims department again! Finally on XX/XX/XXXX I was contacted by BoA senior investigator Mr XXXX XXXX whom I've provided all pertinent information about fraud. I have not recovered lost money and want to complain about Bank of America handling of my request to withhold transfer to fraudulent 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 2017-04-21
Company: ACS Education Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Lender notified borrower that they are increasing the cost of our loan from $  XXXX  to  XXXX . They also required this increase to be effective the next payment thereby providing no advance warning that our monthly payment was increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a complaint on XX/XX/XXXX to remove inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 's XXXX, XXXX, XXXX. I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00}

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 2023-08-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2018-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The problem was with a credit reporting agency ( Experian ). I asked them to lift my security freeze for my financial company, and they told me they did, when I went to my financial company, the security freeze was still on my report. I kept calling Experian about the situation, and Experian kept telling me that it is unlocked. My financial company could not pull my credit report because it showed that Experian didn't unlock it even though Experian said they did. I kept calling Experian and they kept telling me they unlocked my report. Now, I have to wait until the lock is actually back on the report, and do it myself. Experian kept asking me for personal information, and now I believe that I've been set up for ID 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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and and I didnt get a response within 30 days and yall are required by law to do so. Please investigate disputes please. 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 non-monetary relief
Consumer complaint received 2018-12-17
Company: Equitable Acceptance Corp
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/16 I switched from my XXXX XXXX to equitable acceptance. I owe them {$12000.00} with only 2 loans. I was told over the phone that I would pay half of my loans and they would pay the rest. I paid {$970.00} so far on my loans and even on my payment page it said consolidation complete ( informed by dealer I emailed the company about it and asked when they were going to take over because I had another payment due to them and I did not receive an email back from them. ( My email to Equitable acceptance is included in this message ) I stopped making payments for a few months because of financial difficulties and so I called Equitable acceptance back to get re-enrolled and they said none of the money Ive been paying them goes to my student loans period. I was told different from the first time I signed up till this time and Im really infuriated because thats a lot of money to give to someone just to file paperwork like the man said. I looked up online if other people are having issues with them and theres so many people and so many people looking for lawyers over this its unreal. I also had an issue with XXXX. I switched 2 of my loans to them XX/XX/16 and I owe them {$13000.00} Ive paid {$150.00} back to them and more money is going to interest than it is the actual loan and cant seem to get anywhere with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation