BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have tried sending them multiple goodwill letters explaining why I had 1 late payment in XXXX of 2017. Due to a financial hardship I had when my son was sick and I had to pay a medical bill I was unable to make my payment on time. I have been a customer for over a year and a half and have not had a late payment since then. They are not willing to help me remove this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: U.S. BANCORP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have lived in XXXX for XXXX years. 
I initiated wire transfer of my SS deposit from Union Bank of California, monthly to my XXXX bank. 
Union Bank was recently acquired by US Bank. 
US Bank said they would still offer Transfer of funds from US to foreign accounts. 
What they did not tell me was I must initiate such service in person at a domestic branch. 
On XX/XX/XXXX, I received a letter from US Bank indicating they do not offer international wire transfer. 
I am unable to access my SS funds which are deposited to me on the XXXX of each month. The US Bank customer service representatives were not able to help. 
I had my brother visit a branch, on my behalf to find accomodations. 
They told him there is nothing they can do. 

I have no alternative way to get my money. 
I ask you to persuade US bank to allow me one final transfer to cover my needs until I can request Social Security to deposit to another 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My car was been broken into andm y information was stolen and looked at my credit report and seen the these unauthorized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-09-06
Company: Self Financial Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
In XXXX and XX/XX/2020, due to loss of employment due to the pandemic, I was over 30 days and 60 days late with my payments to XXXX XXXX XXXX Account # XXXX ; and XXXX XXXX XXXX # XXXX. I have sent 4 letters to XXXX XXXX Chief Financial Officer ; XXXX XXXX VP, Operations ; and XXXX XXXX, CEO asking for removal of the late payments from my credit reports ; The accounts have since been brought current. 

I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to by 3 credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent my letter off on XX/XX/2022. I told the Credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Account : XXXXXXXX XXXX Number : XXXX Account : XXXXXXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : AcceptanceNow Number : XXXX Account XXXX XXXX Number : XXXX Account : XXXX  Number : XXXX Account : XXXX  Number : XXXX Account XXXX XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account XXXX XXXX XXXX XXXXber : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account XXXX XXXX  Number : XXXX Account : XXXX  Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX  Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : 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 2023-01-18
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-09-06
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX**** Date Opened : XX/XX/2019 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX I got a home loan through Bank of America. During this process I was informed I would receive free checking and a free security deposit box. I specifically asked when signing up for this feature, How long do I have this feature? and was told, " Through the life of the loan. '' ( per branch manager at the time in the XXXX office ) As of today I still have a home loan through Bank of America however last year I received a letter stating they will no longer offer this feature & they will from there on out start billing me for this service ( which was never disclosed to me they would be doing this ) In XX/XX/XXXX I was notified by Bank of America about refinancing through them to get a better rate, I spent quite some time going over everything with them & was assured multiple times the terms would stay the same & nothing would be changing but the rate. This was conveyed to me by XXXX XXXX and XXXX XXXX who were employed by Bank of America and representing me at the time of the refinance. I have spent countless of hours on the phone with Bank of America trying to get this issue resolved only for them to give me story after story of why they are taking this away. I also spoke to I believe a XXXX from the XXXX Bank of America branch. When I asked why they were out of the blue taking this service away she told me the reason was because they were passing them out like candy and couldnt keep doing this. This is very misleading and dishonest and should have been disclosed at the time of my loan process. Had I known they would take away a feature they had offered and assured me I would have through the life of the loan never would I have signed loan docs with Bank of America. I am a person of my word and feel I was lied to and taken advantage of just to get my money. Reputable companies I know would honor a service they had promised to me to begin with. Im coming to you in hopes you could help resolve this matter in a fair and professional way.

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 2022-09-06
Company: Affirm 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AFFIRM INC XXXX*** Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Coastal Financial Solutions, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company calling leaves messages telling me that they are going to serve me at work or home and i have asked them please discontinue to call me they have not and i ignore them so now they are calling my wife 's mom telling her my business.

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 2022-09-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I was notified by the IRS that someone tried to use my social security number to fraudulently file taxes for XXXX. The IRS provided me with documentation and the steps needed in order to protect my identity. One of those steps were to contact the credit bureaus of the identity theft. On XXXX XXXX I filed a complaint with the FTC and on XX/XX/XXXX I mailed the documents provided by the IRS and FTC to Experian XXXX 
Experian received my documents on XX/XX/XXXX. I spoke with a representative at Experian on XX/XX/XXXX to confirm that they received my supporting documentation that listed all the accounts that were not mine and that were fraudulent placed on my credit report. On XX/XX/XXXX, I received an email from Experian stating that the documents that i submitted was not enough and that they were denying my request to " block '' the requested information listed on the FTC report that i provided to them. I then attempted to call Experian to see i someone can explain to me what the email means and what do i need to do or what other information is needed from me. The first representative told me that she could not provide me with any information about what other documents may be needed to get the fraudulent accounts removed. I then asked to speak to a supervisor, who then, kept me on hold for 47 minutes and then hung up on me. I have been trying to reach someone at Experian to get these accounts removed and to speak to someone so I can get an understanding of the next steps, but every representative refused to assist me with my credit report and explain to me why the supporting documents that I provided was not enough

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 2021-04-09
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I purchased by vehicle in XX/XX/XXXX during the pandemic. I was told I would be able to push my payments back due to the pandemic and it would not go against my credit but that was false! I've made a few payments on time and there was a couple times I paid a XXXX late. The month of XXXX I was late, but on XXXX XXXX, XXXX I made a payment of XXXX. I would pay the past due and the amount due at that time which would be an " on-time '' payment. My last payment was on XX/XX/XXXX in the amount of XXXX and when they reported the bureaus on XX/XX/XXXX it shows I haven't paid, and I'm behind which is false! They have been damaging my credit for a while now. They never report accurately!

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 2018-10-15
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 I was alerted through XXXX that a negative item was placed on my credit report and needed to be reviewed. Upon logging into the XXXX   XXXX XXXX   portal, I was alerted that FBC Mortgage has reported a account as 30 days past due. FBC sold my previous account to XXXX XXXX in XX/XX/2018. All payments prior to the sale of the loan were made on time or before schedule. I contacted FBC today and spoke to a customer services representative who informed me that yes, in fact FBC did report inaccurate information to the 603p bureaus. I asked for this to be corrected as it is the duty of the furnisher to ensure accurate information is reported to the bureaus. I do understand that FBC has 30 days to perform a re investigation as to the inaccurate reporting. However, I was told that I needed to provide complete copies of my personal credit report to FBC so they can do the re investigation. I should not have to provide proof to the lender if they reported the information inaccurately and they are the ones who have a contractual business relationship with that bureau ( s ). The customer service representative stated on a recorded line that in fact it was FBC 's mistake and was reported incorrectly. If I sent my complete credit report to them via fax or mail, once they received it, they would review my claim. 
My concern is that if I needed to apply with a lender and they saw a possible " 30 days past due '' on a real estate loan, that I would be considered high risk when in fact I am NOT and NEVER WAS past due on that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.

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