BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: GA
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:
Im the victim of identity theft and I dont recognize this account on my report. I have included a copy of my FTC identity theft report # XXXX describing the identity theft as well as police report 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 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been calling Bank of America for 6 days now ... NOBODY PICKS UP THE PHONE. Today was the 1st day, anyone picked up. I called Bank of America manager, XXXX XXXX XXXX because a week prior to today, her employee refused to open an account for me, in violation of Federal Law 's. XXXX gave me her business card and told me to Email her, which i did. She refused to email me back. When i called today and asked, she said She can not email outside of Bank of America. I asked her why is her email is on her card then, she got upset, and talked over me, continuously, not letting me finish ANY questions i had in reference to doing business with Bank of America. My mother was witness to this conversation and witnessed this woman 's behavior via Speaker Phone. This woman is the most unprofessional person i have ever come across at any Bank across the US. This woman acted like a 10 year old Child caught with her hand in the cookie jar. Every question i attempted to ask, was a legitimate question, yet this person did not listen, talked over me and hung up on me. When i asked why her Email is on her card and why did she ask me to email her, her response was " Im not gon na argue with you '' and talked over me, without pause, without letting me speak, then hung up on me. Not only has this Bank violated Code of Federal Regulations by denying me an account, via the Terms they stated, they on top of that, tell me to email them to work on the situation, then claim they dont do emails. I am seriously contemplating taking Bank of America to District Court over " Civil Rights '' complaint. The Bank of America store number is 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 2021-02-01
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/2020, I purchased a TV ( speakers, mount, cable ) set from Best Buy in XXXX XXXX North Dakota and ask that it be delivered to my house. Before the delivery could happen, I am an elderly woman and I started getting nervous about COVID ( and people in my house ). I called Best Buy and was put on a very lengthy and convoluted hold pattern ... .I eventually talked to someone who was scheduled to be part of the delivery team ( sorry I don't know the name ). He apologized about the customer service line and canceled my order. 

When my next bill came out, I noticed that they had charged me for the TV set that was not delivered. I called. Waited on line forever and was told to write a letter to Best Buy Credit Services. I did. They sent back a letter on XX/XX/2020 saying that they were investigating my claim. When I do talk to someone they say to continue to pay the bill. 

About every week I call and nothing has changed. EXCEPT now they are telling me this is a " new '' case and they have 90 days to resolve it. I have bought a lot of stuff from Best Buy ... ..and have had it delivered. If they delivered this TV I would like to know the names of the people that delivered it. I would like to see my name where I signed for delivery. I would like to have the Sereil number of the TV set. 

It was not delivered and should not be on my bill. If you need to have copies of the receipt or the bill or anything else please contact 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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Didn't receive services that were advertised

Complaint:
I understand that XXXX, Transunion and XXXX assumed a vital role in assemble information on me as a federal protected consumer. XXXX, Transunion and XXXX is impeding the banking system. XXXX, Transunion, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, Transunion and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, Transunion and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to E Oscar verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional 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 non-monetary relief
Consumer complaint received 2017-07-30
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
A late payment was applied that was due to a fault in the auto payment setup. No fault of my own.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious 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 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 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 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Earlier this month I filed a complaint with this agency regarding Bank of America having denied my application for the Bankamericard. CFPB sent my complaint to Bank of America. 

Regarding my original complaint I received two separate messages left on our answering machine to call XXXX ext. XXXX, one message from XXXX XXXX, the other message left by XXXX XXXX, employed by Bank of Americas regulatory complaint servicing department. 

The message left by XXXX XXXX instructed me to call her back no later than,XX/XX/2019 by XXXX XXXX mountain standard time. 

I have attempted to return the calls from XXXX and XXXX four times and have left messages with XXXX voicemail each time as the calls have gone straight to voicemail. 

As of this time, no one from Bank of America has responded to the detailed responses I left in XXXX voicemail box. 

I can not understand why that XXXX was specific for me to return her call by XX/XX/2019, but even though I was out of town, I left my cellphone number with the voicemail message that she nor XXXX XXXX have returned my call. 

Please let your contact at Bank of America know that I have in good faith attempted to return the two calls left on my landlines answering machine. 

Please ask Bank of America to not mark nor handle this follow-up complaint as a duplicate complaint as an excuse to not address it with good faith that it deserves to match the good faith in which it is presented in the hope to resolve the original complaint to continue the previous good relationship that has beneficial to both the bank and to me. 

Because neither XXXX nor XXXX have returned my calls, any reasonable person would believe that, not only is this unprofessional, it only adds to the prevailing public perception of large banks, that they are to big to fail and therefore they could care less what their customers believe about their less than professional decisions or if we believe that the banks employees want to help its customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-22
Company: First Advantage LNS Inc.
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:
On XX/XX/2022 I sent a request for the debt validation for this company National Credit Audit in regards to the alleged debt, on XX/XX/2022 National Credit Audit sent back the debt validation by CFPB for someone with a name slightly similar to mine but not mine. Please review the attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
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:
My credit report is displaying a late payment record for a credit card account. XXXX claims that no late report was issued to the credit agencies. ( See chat transcript ) I  want the negative information removed, as the payment was not late per 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 2019-12-27
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I INFORMED THE LENDER THAT MY MONTHLY STATEMENT WAS INCORRECT. 
FCI LENDER P.O. BOX XXXX XXXX, CA XXXX. THE LENDER HAS FAILED TO RESPOND TO MY NUMEROUS REQUESTS. I CONTACTED MR. XXXX XXXX AT FCI LENDER. MY LOAN NUMBER IS ( UPON REQUEST ) MY MORTGAGE IS PAID CURRENT BUT IT IS NOT REFLECTED THAT WAY ON MY MONTHLY STATEMENT. PLEASE ASSIST ME. MR. XXXX IS REFUSING TO TALK TO ME.

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 2023-06-30
Company: EQUIFAX, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: NC
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:
Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to Equifax and XXXX. I sent a total of XXXX certified letters advising them of my request for correction and removal. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place. So who is actually in the wrong here? The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$28000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I made a payment to Pro Collect Debt collectors ( XXXX Tx ) for a remaining balance of a apartment Lease " break '' as a result of having to move early because of Domestic Violence. It was a partial payment that they accepted, however when I attempted to go online to make a payment towards balance owed it would not allow me to make a payment was {$1800.00} ( paid In full ). I then contacted the company and emailed them. The collection manager responded to the email informing me I cant make any other payment unless it's the full amount. I also asked if my payment from previous month was used towards balance, as it does not show me, nor is there any breakdown. This also made me fearful because I'm eager to pay this off, so I'm able to move into an apartment but I'm concerned I can pay this and it's still showing on my credit and never removed. I then searched on XXXX only to find out this is exactly what they do to people, after they pay off their balance, it's never reported as paid in full or in good standing. This could mean that once I pay in full, there is no place stated that they will stop reporting this negative debt on my credit report, even after it's paid in full.

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 2023-04-25
Company: Experian Information Solutions 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im having a consistent on going problem with transunion, and today I'm putting it to a stop. 

Ive been asking transunion to please provide me proof of inaccurate account for XXXX XXXX reporting and they still failed to do so. 

I just want for Transunion to please do their job and remove this negative information, i has been going on 5 months and they still fail to authorize my request on how the items was verified. 

I specifically ask Transunion numerous of times and also DEMANDED that they show me verifiable proof and provide me with any contracts or who they contacted, with a signature, and til this day they still fail to validate my requested in what i asked. 

I will have plenty of proof from XXXX XXXX and also Transunion. 

XXXX XXXX even says TRANSUNION never contacted them. 

So the whole time, Transunion has been falsifying documentation and stalling me out. 

THEN I RECEIVE A LETTER FROM TRANSUNION ASKING ME DO I HAVE A CREDIT REPAIR COMPANY WORKING FOR ME, AND TOLD ME TO DISPUTE ONLINE, I WOULDN'T DARE DISPUTE ONLINE, AS A CONSUMER WITH RIGHTS. 

THEY THINK THEY ARE SLICK, BUT I GOT THEM IN THE ACT WITH LOTS OF PROOF. 

BELOW YOU WILL SEE ATTACHMENTS.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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 2023-06-30
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation