BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-02-20
Company: AES/PHEAA
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Nicholas Financial Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX I purchased a XXXX XXXX XXXX  was {$11000.00}, after finance it was {$14000.00} and I put down {$1700.00}. I had the vehicle for 27 months on a finance for 36 months. I paid {$450.00} a month for 24 months and were arguing with them for 3 months about the vehicle warranty which was a scam also. I totalled lost the car after XXXX, paid {$12000.00} on the loan. My insurance company paid {$2800.00} which I owed and Nicholas financial hit me with a repossession and said I owe them {$7500.00}. This company has 56 listed complaints in 3yrs and they sell all there debt to XXXX XXXX XXXX. They are in a scheme together robbing people out of there money and needs to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account 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 explanation
Consumer complaint received 2018-12-11
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: Account status incorrect

Complaint:
Please see my previous complaint regarding XXXX reporting my balance incorrectly with XXXX. They responded saying they updated the balance, however, I received a notification from XXXX  last week that they reported the account as closed. I submitt4d a new CFPB complaint and today I received another email from TransUnion saying XXXX reported the account as closed. Please report the account correctly with TransUnion and please be careful not to change the status at the other bureaus. The account should be reported as Open, pays as agreed.

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 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited XXXX checks into my business checking, prior to depositing these fund I had approx. XXXX in the account. I totally understood that there would be a hold on the deposited funds until XXXX. The following day I tried using my debit card for material to complete a job, the card was declined. Upon further research I realized all my funds were frozen and I had no access to any of my fund that was there prior to the said deposit made on XX/XX/XXXX. I've contacted Capital One on several occasion to clear up this matter only to be told that someone would be in contact with me. The funds deposited were from a client and was directed for payment to my sub-contractors as of todays date XX/XX/XXXX, I still haven't received any information requested from Capital One. I have h sub-contractors looking for there payment for work that was complete. XXXXXXXX XXXX  the financial institute where the checks were drawn from even tried reaching out to Capital One to verify checks and funds. Capital One actions has put a stop to the day to day operations of my business, along with fracturing my working relationship with long time sub-contractors by not releasing any information nor funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My roommate helped me fill out my unemployment claim. I thought claim was denied and she cashed our over XXXX dollars without my knowledge. When I discovered the fraud I contacted Bank they closed my account until XXXX XXXX XXXX when I verified my i.d at bank. They hang up on me give me different answers and keep denying the claims. They put the dispute into 4 claims and they paid me on one in XXXX but keep denying the rest. I got a letter saying my claim would be in my card by XXXX but it wasn't and then they tell me it was denied on the XXXX. Everyone is passing the buck and nobody is resolving this. I need my money. Please help me. I filed police report and with the ftc

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 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since XX/XX/2023 we have been calling and faxing Bank of America about the lien on the house that was found when I was in the process of selling my house which has now been sold. Myself, my son and my lawyer have talked to the Bank of America numerous times and they continue to say we have to fax the legal department for us to get the documentation we need to show that the account has been closed and satisfactory due to bankruptcy. Bank of America tells us there is no lien and the account is closed and there is no money owed. The title company says there is a lien on the house for approx {$7000.00} from the Bank of America. The house has been sold since XX/XX/2023 and the money from that sell is still with the buyers bank due to this issue. I cant moved forward because of this. 

Since XXXX, my lawyer, my son and I have faxed the legal department 3-4 times a week with no response. 

On XX/XX/2023 I called Bank of America again. They proceed to say there is no amount due, the account is closed and satisfactory due to bankruptcy and they can not provide any documentation saying that, it must come through their legal department. They said we need to send a fax to the legal department to get the statement we are requesting.

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 2023-03-08
Company: EQUIFAX, 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 have contact and disputed with all credit Bureau in regards to collection debt under {$500.00} that still have been removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt has been placed in collections and listed on my credit report for rent recovery. The debt isnt my debt. The debtor is Rent Recovery Solutions on behalf of XXXX XXXX XXXX XXXX XXXX The acct is XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. The phone number is XXXX ext XXXX. The amount is {$24000.00}. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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: Account status incorrect

Complaint:
My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and Transunion ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.

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 2023-12-07
Company: First Technology Federal Credit Union
State: CA
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:
I am writing to file a dispute regarding an unauthorized charge on my account with First Tech Credit Union. On [ date ], I received notification of this charge, which I believe to be erroneous and unauthorized. Despite my repeated attempts to resolve this issue with First Tech Credit Union, they have denied my request to remove the charge and have failed to provide any evidence or explanation supporting their decision.

I have taken all necessary steps to resolve this matter directly with First Tech Credit Union, requesting documentation or evidence supporting the legitimacy of this charge. However, they have not provided me with any such evidence or explanation, leaving me in the dark regarding the basis of their decision. 

I would like to request your assistance in investigating this issue and facilitating a resolution. I firmly believe that this charge is unauthorized, and I have the right to be provided with evidence or an explanation from First Tech Credit Union to justify their decision to deny my request for removal. 

Enclosed, please find copies of any relevant documentation or correspondence related to this matter for your reference. if, no documentation is provided I ask that this charge be return and all charges I kindly ask for your prompt attention to this dispute and your assistance in ensuring that First Tech Credit Union provides the necessary evidence or explanation to support their decision. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2023-01-09
Company: EQUIFAX, INC.
State: VI
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:
The credit bureaus never did proper investigation according to the FCRA. It has been XXXX or more years now since I've pay off my loan an i still seeing a charge off on my credit report. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general, reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with other with whom he is acquainted or who XXXX have knowledge concerning any such item of information. They did not do this. Also they have violated my rights ever more. In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigation but how is so if the inaccurate an the account is not deleted this ground foe removal. They also violated the laws because according the 15 U.S.C 1681 section 602 A. state i have rights 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. I did not give anybody written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company was sent a cease and desist and continues to violate the law and continues and admits to continuing to report disputed information to my credit file when company knows it illegal. Cease and desist consists of ceasing ALL attempts to collect any debt and All communication regarding such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly called and emailed Roundpoint Mortgage in order to have PMI removed from my loan. They keep telling me a XXXX will be scheduled ( picture taking session ) but then it never happens or they cancel the appointment for now reason. I have given them comparables and a list of upgrades to my house which is proof i shouldn't have to pay PMI. I originally started this process on XX/XX/2021 and have emailed them XXXX times and called twice since then. The emails do not get answered and the representatives tell me someone will contact me about the XXXX and it never happens.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with transunion and, XXXX XXXX XXXX XXXX , also XXXX XXXX XXXX, I have written them letter to no avail, XXXX is the only one who has obey by the law 609, I have not received from transunion or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXothing with my signature on it I would like for the law to be put in place here.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies XXXX, Experian, and XXXX. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.

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 2018-08-15
Company: EQUIFAX, INC.
State: MD
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:
Ive recently disputed fraudulent/erroneous accounts on my my credit reports with XXXX, Equifax, and know XXXXThe accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2021-07-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I was the victim of a robbery when I was on vacation in XXXX, SC. I was made to give up my ATM card and info, as well as virtually send money to the suspect. Despite clear photographic evidence of the suspect at the ATM with my bank card, the bank BB & T is flat out refusing the claim based solely on the fact I am pictured in the car during the robbery. It's important to note I was forced into the vehicle and have included that information in the police report as well as a description of the vehicle. XXXX PD has a suspect, who was formally convicted for DEBIT CARD FRAUD. BB & T has refused to even try to corroborate information with XXXX PD and furthermor, have refused the basic right to an explanation from the analyst assigned to my case which I was promised. I am familiar with Regulation E and wanted to advise of a blatant violation of it by BB & T, now Truist.

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 2023-12-14
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief