BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Per tracking, tts been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Accounts receivable reporting higher balance than the credit limit shown. Also, how are they going to report a medical account, they have no medical release to collect on this account and needs removed upon receipt.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 writing to you in regards to a recent notification I received concerning new accounts appearing on my consumer report that I do not recognize or have any association with. This letter serves as a formal request for the information related to these fraudulent accounts to be promptly blocked and deleted from my consumer report, in accordance with the provisions outlined in 15 USC 1681c-2.

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 2023-06-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Monday XX/XX/2020 I hired a contractor, which ended to be a scam, and I sent him {$4000.00} dollar from my account at Bank of America through XXXX. As it resulted as fraud contractor, I called the bank to support me with fraud but they say that my transaction was like given cash. I was not aware from the bank how XXXX works. As a customer of Bank of America I felt that they dont protected 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 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Capital One I reiterate my concerns about disputes and rebilling when done, no explanation I try to go thru cfpb because site has no email to Capitral One and no way to dispute except by physical snail mail When a credit is given, maybe two months l ; ater often a rebill of the amount is charged and no explanation whatsoever Here is prime examples XX/XX/XXXX credit $ ( XXXX ) and rebilled same month?? WHY?? 
XXXX XXXX {$14.00} rebilled for credit given on XX/XX/XXXX transaction date {$14.00}, why?? 

Capital strategy is rebill without explanation after few months in hopes customer forgets and does not t notice rebill I hope Capital becomes more oriented to customer otherwise I will use my other credit cards that communicate well, file disputes DIRECT and can see statements on line going back a year or so Capital only allows the present month statement to be viewed on line, all previous statements are blocked from viewing, WHY??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 started an Investigation In XX/XX/2023 with Bank of America. They had reported a 30 days late on my three bureaus report ( XXXX, XXXX XXXX and XXXX ) for the month of XX/XX/2023. After speaking to a representative they stated that they had made an error and they would start an internal investigation. They also stated that it would take 30 business days for them to complete their investigation. This month ( XXXX ) I ran my reports and they were able to reverse the 30 day late remark for the month of XXXX but only on XXXX. I called them back today to find out what had happened and why they were still reporting the 30 days late on XXXX XXXX and XXXX. I spoke to a manager today because this is the third attempt and time I have called for answers and to complain. Today, the manager stated there was no error and the reason why XXXX might show no late payment history is because they don't report to XXXX. I called XXXX directly, and challenged this because they have always reported to XXXX, and this made no sense. I have a copy of my XXXX report from XX/XX/2023 with a late payment, and I have XXXX 's report with no late payments. There's clearly an internal miscommunication and reporting issue within Bank of America 's end. I am currently under contract with a mortgage company to close on a property this month and because of this discrepancy there's a big possibility I might not close and lose my deposit, this is causing a lot of distress for both my family and I. Can you please help to rectify this error on their part, thanks!

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 2022-03-28
Company: Experian Information Solutions 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:
Hi I am submitting this XXXXXX/XX/XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XX/XX/XXXXhas me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing meXX/XX/XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.

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 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2023-06-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues. 

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 2020-10-26
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has not been investigating the accounts I've disputed correctly. They use an electronic system that inserts the negative items although I have creditor letters advising Experian to permanently delete these items. I have been trying to buy a home and I can not due to Experian reporting accounts that have been previously deleted over 10 times!

I've submitted paperwork, I've filed complaints and I continue to dispute. They will not permanently remove these accounts causing negative impact. Something has to be done. I am ready to sue Experian. No other credit agency has these items listed but Experian somehow does.

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 2023-05-04
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2023 I called Bridgecrest to see if they could work with me with a payment plan my car is worth {$8000.00}. They want me to pay {$18000.00} to purchase the vehicle. My payment was {$600.00} a month and I lost my job I called bridge XXXX on this day to see about getting on a payment plan. They told me that I would have to pay {$4000.00} in order for them to consider a month-to-month payment plan which would be {$500.00} a month only {$100.00} less than the original payment plan which was {$300.00} every two weeks and on XX/XX/2023 Bridgecrest sent out a repossession company to repossess my vehicle. I did not give them possession of the vehicle. I still have the vehicle, but Bridgecrest is still suggesting that I pay {$4000.00} to them for them to consider putting me on a payment plan I feel like that {$4000.00} is too expensive with them knowing that I am a single mother of six children. I am currently not able to work because I dont have proper childcare. I am willing to make payments but I am not able to afford a full {$4000.00}.

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 2020-07-29
Company: Experian Information Solutions Inc.
State: NC
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 complaint to Experian, and they responded that I did not. I My name is XXXX XXXX and I am a victim of identity 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 explanation
Consumer complaint received 2018-11-20
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a credit card reported on my credit under the name of XXXX. I submitted a dispute to the credit bureau about this card and XXXX 's verified the account. I sent a letter to XXXX XXXX on XX/XX/18 requesting document on this debt. They sent me a fraud form to fill out and send it back to them. I sent it on XX/XX/2018. It's been more than 30 days and I have not heard back from them. However the account is still on my credit report.

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 2021-04-07
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had a lot of identity theft between my mom and my aunt. I have recently in the past few years tried to clean up some of the mess. I recently learned about credit. they have both done it to me and my sister. tried contacting company but they don't want to help me with situation. Saying things like why I couldn't get the money from them since they were family. one my mom XXXX  3 years ago and two they should have never let someone 20 years older than said person sis number. it is stopping me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, we were notified by USAA that our credit card as well as checking and savings accounts were being closed. Neither were in default or any other problem. I have spoken to four or five individuals at USAA and the only information I have been given is that according to some law passed in XX/XX/XXXX by congress, they have the right to cancel and not inform the client why the accounts were closed due to unacceptable behavior or activity.

I have used USAA for over 50 years and my credit rating is excellent, yet they will not disclose their reasoning. I first called the CT State Banking Commission and they informed me to file a compliant with you. After listening to what I had to say, they said it sounded like USAA thinks I am laundering money. 

I am in the XXXX  field and XXXX  years ago on XXXX XXXX I was involved in a serious accident. Having to retire, we decided I was still able to help out in XXXX, so I still maintain my licenses. We spend about 6 to 7 months a year there and I do use the ATM machines there to access money. True the USAA account is not my primary account since I use a local bank in a small town that knows us well. However, using the USAA account has some benefits that our local small bank dose not have, such as home deposits and the first so many ATM charges are free. 

I served my country as an XXXX in the XXXX XXXX, so I feel I am entitled to that benefit. I do not feel that any citizen of the USA should be treated as if they liven in a country controlled by a dictator where they are subject to the whims and wishes of those in power. Since when has the US not followed the law where the individual is innocent until proven guilty? More important, how about false incriminations and not being told of the charges? Our country went through a very negative period not many years ago about such acts, are we now headed toward another such era? 

I have been told that if asked if I have ever been turned down for any credit cards or banking accounts, I must now answer YES. This is totally unfair to any citizen and especially a veteran, who has served this country. I would hope you would be able to answer my concerns. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and fix them immediately in my 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

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: EQUIFAX, INC.
State: NV
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:
There is a public record on my credit report. I don't have anything negative against me whatsoever so I am unsure why something like this is being reported on my credit. I contacted the agency that is reporting and they indicated that they don't report any information to the credit bureaus. Please remove this erroneous information from my credit report as it's hindering me from purchasing another home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my report that I did not authorize on my 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 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 used my credit report without authorization, and thus put these unauthorized inquiries on my credit report, damaging my credit scores. 

XXXX  - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX  - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXXXXXX 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 2021-04-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done on XX/XX/XXXX XXXX that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. Please help!!

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 2021-04-28
Company: MAJR Financial Corp
State: VA
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 in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation