BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2019-11-20
Company: U.S. BANCORP
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid {$400000.00} for my home. US Bank is my mortgage provider. PMI is supposed to be cancelled automatically once the loan amount equals 78 % of the original purchase price ( {$310000.00} ). 

I looked at my statements and found my loan value dropped below that amount on my XXXX, XXXX statement ( {$310000.00} ), but Interest remained. I requested by phone why I still had Insurance deducted, and they said they would look into it. I received a response via mail on XX/XX/XXXX, stating that I had met the Loan to Original Value ratio requirement and have a good payment history, but in order to cancel PMI, I must pay them {$100.00} to perform a Broker 's Price Opinion ( BPO ). 

This is not required for automatic cancellation of PMI, only for requested cancellation ( at 80 % LTO ). 

I should not have had to pay PMI for this period of time and I should not have PMI charged now. The funds I would have had in my accounts or paying down Principal were in my mortgage lender 's possession, rather than mine, thus I have not been making interest on those funds or reducing the principal on my loan with them.

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 2020-10-27
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America still claims that Postal Money Orders are checks because the ATM doesn't recognize them as such. They continue to put holds on the money orders. The don't listen to the complaint.

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 2020-10-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am responding to complaint number XXXX and number XXXX. This is my 3 time submitting this complaint. i am uploading the information once again. my full name Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement,.

I have requested to see Verified record of Experian and Transunion files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer.

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 2018-10-30
Company: United Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Recovery Solutions of XXXX, KY is attempting to collect on a debt which is not mine. Rather, As I have explained to many debt collectors since 2014 my family is part of the XXXX XXXX XXXX XXXX Data Breach and as such we are part of a protected legal class. To wit, this debt is not mine but rather was incurred by another person or entity as part of their illicit activities.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: MD
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 received a copy of my reports from the three ( 3 ) bureaus. Each lists a Bankruptcy in the state of Maryland. Experian and XXXX list two ( 2 ) with two ( 2 ) different dates. I disputed the entries and provided a letter from the court and the Opt Out confirmation letter from XXXX. The three ( 3 ) bureaus all replied an investigation was completed and the information was verified. Although requested, none of the bureaus provided the name or contact information of the person who verified the accuracy of the entries. I contacted the Clerk of Court and the letter confirms no one there verifies anything for any of the three ( 3 ) bureaus. XXXX  stated they received their information from XXXX. However, that isn't true because I opted out. All three ( 3 ) bureaus are illegally reporting this information.

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 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2018-04-29
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit file in XX/XX/XXXX with all 3 of the major credit reporting agencies when Equifax had a data breach.Both XXXX  and XXXX sent me a letter with a pin number to release the freeze, if necessary. Equifax did not. 

On XX/XX/XXXX, I sent a letter, along with identification, to Equifax requesting the pin number. They have not responded. 

Please get the Equifax to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT YOU PLEASE REVIEW AND REMOVE THE ACCOUNT AND INQUIRIES OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2022-10-05
Company: American Cycle Finance, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
American Cyle Finance Inc, did not give me an initial nor annual notice nor disclosure that I had a right to opt out of them reporting my credit transaction which is personal information.

I no longer give American Cycle Finance Inc, consent to furnish my late payments with any credit reporting agencies or any other nonaffiliated third parties.

The Gramm-Leach-Bliley-Act states I have a right to not have my non public personal information shared especially resulting from transactions such as Payment history pursuant to 15 U.S.C 6809 ( 4 ) ( A ).

American Cycle Finance Inc is also in violation of the Privacy act of 1974 by reporting my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 received a copy of my reports from the three ( 3 ) bureaus. Each lists a Bankruptcy in the state of Maryland. XXXX  and TransUnion list two ( 2 ) with two ( 2 ) different dates. I disputed the entries and provided a letter from the court and the Opt Out confirmation letter from XXXX. The three ( 3 ) bureaus all replied an investigation was completed and the information was verified. Although requested, none of the bureaus provided the name or contact information of the person who verified the accuracy of the entries. I contacted the Clerk of Court and the letter confirms no one there verifies anything for any of the three ( 3 ) bureaus. XXXX stated they received their information from XXXX. However, that isn't true because I opted out. All three ( 3 ) bureaus are illegally reporting this information.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: NJ
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 Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : 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 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 2020-10-27
Company: American Credit Acceptance, LLC
State: GA
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:
A letter, Certified Mail No. XXXX, has been sent to your office and addressed to CFPB Director, Kathy Kraninger. The letter was delivered at XXXX XXXX  on XX/XX/2020. The company at fault is AMERICAN CREDIT ACCEPTANCE, and all other pertinent information is within the letter. AMERICAN CREDIT ACCEPTANCE needs to acknowledge the loan has been paid in full and release the title to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit score with Transunion significantly dropping even after paying off accounts and lowering my utilizations. No explanations for score dropping. Possible fraud going on.

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 2020-10-27
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$30000.00}, {$11000.00}, {$680.00}, {$13000.00}, {$6200.00}, {$5500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.

-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

5. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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 status incorrect

Complaint:
In XXXX of XXXX I opened a dispute with Equifax regarding an account with XXXX 's first opened in XXXX of XXXX. The account showed a late payment of 60 days or more. In addition, a dispute was also opened with XXXX  regarding the same account. XXXX  resolved the error as of XX/XX/XXXX. I had contacted XXXX 's in XXXX of XXXX and they confirmed I have never had a late payment. XXXX 's provided me with a payment ledger proving this fact. In addition, I also have the original PAID OFF confirmation email from XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo bank stating that the amount in the checks was posted twice but physically that amount was posted only once, so they took my money from my debit account, locked my ability to buy a food and or pay for my bills during Covid-19 pandemic. Leaving me without any options to survive.

Stating that check 's was posted twice, but here as evidence I'm attaching a statements where we all can see that this amount wasn't posted but was credited.

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 2023-04-26
Company: EQUIFAX, 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:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
MOHELA acquired my loan from XXXX recently. It is almost impossible to reach them by phone, there is constant loops blaming the popularity of the federal program ( basically, they are blaming the federal government ). When I was able to reach someone once, they claim to not have my XXXX information from XXXX. I have absolutely no confidence in this organization and I fear I'll miss the XXXX deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: WELLS FARGO & COMPANY
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 have been in XXXX since XXXX XXXX - until XX/XX/2019. Went into wells Fargo bank showed them the discharge papers from been released from XXXX and the papers when I got XXXX I have to go through this process is stressful when I have to go with the law on fraudulent people identity is not acceptable in USA. So why is the financial institution letting people get away with it because they doing the same thing, Don't care about people getting their identity stolen so they can straighten their credit out. 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 2022-11-12
Company: EQUIFAX, 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX  Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX ), XXXX XXXX Acct XXXX ( XXXX , XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ),  XXXX XXXX XXXX Acct XXXX ( XXXX , Transunion ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX, XXXX Acct XXXX ( XXXX  ), XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX   , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ).

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 2020-12-09
Company: Sensible Auto Lending, LLC
State: MA
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 account, sensible auto lending, is a charged off account that is reporting only in one bureau which is really inaccurate. The fact that it is only reported in a single bureau is really bothersome. Please help me get this removed from my report.

Company response to consumer: Closed with explanation