BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: ALLIANT CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
When I called Alliant CU about my bill pay and wire transfer. I got a run around, 1st I was told a false reason why my bill pay would not work then the agent spent 40 minutes finding out it was not the false reason she had made up. During this time I could not find out the issue with my account which was not associated with what she was doing. She repeatedly insulted my XXXX even after I asked her to stop saying things that were triggering my XXXX. She refused and kept putting me on hold when I asked her not to. She put me on hold for 20 minutes stretches and on the final one came back and told me she was instructed to hang up on me. I asked about my wire transfer and she said she was hanging up on me. I now do not know if my money is being transferred as I requested or not. I have asked the XXXX to accommodate my XXXX with effective communication for me but thus far the XXXX has not accommodated my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: OK
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:
This 1 and only inquiry that i did not authorized still is on my credit report. I did not do this.

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 2022-06-19
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: Information belongs to someone else

Complaint:
Unauthorized inquiries from XXXX XXXX XX/XX/2022.

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 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One 360 has restricted a perfectly good working loyal customer bank account for no reason. I have been a loyal customer for 5 years now and I was surprise my account was restricted. As everyone does i have bills to be paid and my money is hold and I can not even deposit to use XXXX to send payments. I have called the company over the phone and email 10 times now and they are not doing a thing about it. I just want the account to unrestricted and working now immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: NC
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept ED XXXX XXXX XXXX XXXX Dpt ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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've tried a few times to remove these unverified and unknown accounts from my credit report, however the major credit bureaus insist on keep reporting information inwhich is taking from one side, the supposed creditors. I have requested and questioned their Method Of Verification and have not received anything. My next step will be to file a law suit against the reporting agencies. The Fair Credit Reporting Act states that if the credit reporting agencies can not provide consumer with request and physical documentation of what's being requested then the accounts shall be removed immediately. I'm Demanding that these accounts either be blocked from my credit report or the reporting agencies provide physical documentation along with their Method Of Verification into these accounts. Who verified these accounts, when and how did they verify these accounts, At what time, hour and day/ date did they verify these accounts. Inwhom did they communicate with and what methods of communication was used. And if this can not be met in a timely fashion then these accounts shall be deleted immediately. 1. XXXX XXXX XXXX {$1000.00} ... ... ( 2 ) XXXX {$920.00} ... .. ( 3 ) XXXX XXXX XXXX {$390.00} ... .. ( 4 ) XXXX XXXX {$130.00}

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 explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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: Information belongs to someone else

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. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2022-06-20
Company: Sequium Asset Solutions, LLC
State: TX
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 am a federally protected consumer and a natural living person. I am aware that this company by the name of SEQUIUM ASSET SOLUTION, is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe this company this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and SEQUIUM ASSET SOLUTION should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
BB & T made a mistake and will not correct it.

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 2021-01-26
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:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
on XX/XX/2020 I submitted a Dispute with XXXX, Transunion, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am needing the following accounts to be looked at. I have attached a letter with the following accounts that need to be resolved along with my identification and recent utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made a partial payment for this month. Despite this and asking for COVID assistance they company continues to call. I have informed them that I used to have 3 jobs and now have none and I am still unable to get ahold of Virginia unemployment. They claim to have no other means of putting the account on hold. 

XX/XX/XXXX XXXX XXXX x 3 XXXX x 3 XXXX x 3 XX/XX/XXXX XX/XX/XXXX x 2 XX/XX/XXXX - I called but their phones said they opened at XXXX even though I called after that time It seems like poor consumer advocacy to let companies destroy your credit when the country is still shutdown and people would go to work if they could in many cases. All three of my jobs will remain shut down for the foreseeable future..

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 2021-09-02
Company: Experian Information Solutions Inc.
State: AR
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:
My ex-husband has used my personal information multiple times to try and obtain credit. We went to court to make him stop. My name has not been XXXX XXXX since XXXX. He has been applying for credit using the name XXXX XXXX or XXXX XXXX. My name is XXXX XXXX. I can provide my social security card to show my name was changed back to XXXX in XXXX. I would like all of the hard inquires removed due to identity theft. I sent this information to all three credit bureaus and they have not removed the items after I sent in the proof and my driver 's license and social. Please assist in removing the following false inquires : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I did not make these nor was I aware of these attempts for credit. I was in the hospital ( I can provide proof ) XX/XX/XXXX through XX/XX/XXXX for COVID.

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 2020-12-10
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX in XX/XX/XXXX I received an unemployment check that I did not apply for. I returned it. Then on XX/XX/XXXX I received a voice mail from the fraud department of Suntrust bank ( XXXX XXXX concerning a credit card application, reference number is XXXX ). I called a branch in Maryland on XX/XX/XXXX and he could find no record of my name or address. On XX/XX/XXXX I received an email from XXXX XXXX saying someone had an inquiry on my credit report. I looked and there was a inquiry from XXXX XXXX concerning a credit card application with a XXXX phone number XXXX. I called and it went to a voice mail. On XX/XX/XXXX I received 3 more emails about another inquiry ( XXXX XXXX, XXXX XXXX  and XXXX XXXX ) I checked and it was for XXXX XXXX XXXX in Illinois. I contacted their fraud department. I spoke to XXXX XXXX ( XXXX option XXXX ) and told him of the suspected fraud. He said a loan had been applied for under my name and ssn and he would alert the underwriters. He sent me an ID Theft Packet with forms to be filled out. I have my credit reports frozen and fraud alerts on all three. I have notified my banks of the suspected fraud and changed my logons and passwords. I have started filling out the ID Theft Packet and am filing a police report. Contacting you was a recommendation from my bank,

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 2020-12-10
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:
I filed a Chapter XXXX bankruptcy petition in XX/XX/2013. Per federal laws, the public record can only remain on the credit report for 7 years from the filing date of the petition. I have disputed the public record to no avail. I then tried disputing via telephone and the agent argued and would not accept my dispute request because she said they would not remove it. I have now been affected adversely in many regards and the public record.

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 2020-12-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company I am filing the complaint about ( LOANCARE ) was the initial servicer of my newly refinanced mortgage. Prior to the due date of the first mortgage payment I received notice of a change to my servicer along with a request from the new servicer to make payments to them instead of LOANCARE. I contacted the new servicer by phone and received confirmation, so from the start ( approximately XX/XX/2020 ) my mortgage payments have gone to the new servicer. The problem is that LOANCARE continues to bill me on a monthly basis for the mortgage, and even though I have contacted by phone multiple time and by writing one time, they continue to bill me. Today I was notified that LOANCARE has placed a delinquency report with XXXX, so now my credit rating has been damaged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Kansas Counselors, Inc.
State: MO
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 filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Good Day. i am writing you to assist your help with TRANSWORLD SYSTEMS INC. Debt Collection Company. I sent them several communication request for Validation and Verification of the alleged debt but to no avail. All the Certified mail was returned. ( No Longer at the Address ). I contacted them via phone and thats when they started with asking me for my SSN, and how did i want to pay for the debt. This is not my debt and i do not no how it was reported on my files. WHAT IS THERE MAILING ADDRESS. WHY ARE THEY CALLING ME WITH A LAWSUIT? WHY I CAN'T GET A VERIFICATION FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, 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 explanation