BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
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: Was not notified of investigation status or results

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. XXXX : # XXXX The following have continued to be violated repeatedly : 15 USC 1681 Section 602 A I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 5 1681b Permissible purposes of consumer reports.

15 US C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions. 
REMOVE IMMEDIATLY FROM MY CREDIT REPORT. NOT INVESTIGATION HAS EVEN TAKE PLACE YET YOU CONTINUE TO TO UPDATE STATUS AS COMPLETE. 

LEGAL ACTION WILL BE TAKEN.

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 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has reported late payments on all three credit bureau 's when payments were made on time.

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 2018-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted Experian multiple times in writing and over the phone regarding an update to my social security number being outdated on my report as I have been issued a new number by the social security administration. Experian refuses to update the social on my report and states the creditors must update them with the social on the accounts they previously reported. I've contacted the creditors and they state that since the accounts are all closed, they are unable to make the change and Experian should be the one to update the credit file with my new social security number if I supply a copy of my social security card. I called experian again and explained the response from the creditors. they still refuse to update the social on my file

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 2023-02-20
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:
This is my follow-up complaint in line with my previous complaint on XX/XX/XXXX. The items I am disputing are erroneous and needed to investigate Here are the aforementioned items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX : {$4800.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The addresses listed are not my home address, and the accounts are inaccurate and fraudulent. Im seeking Litigation. The inquiries are unauthorized and fraudulent. Please delete them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I completed a business checking application on XX/XX/2021. I contacted the direct banking line on XX/XX/XXXX as I still had not received an update on my application. When I finally got in contact with XXXX XXXX he had me fill out another application and send in documents and ID for all members of the XXXX. XX/XX/XXXX he finally sent over the account agreement but with errors. The errors were so minor he could have literally sent me back the updated agreement ASAP, but I had not heard back from until XX/XX/XXXX which still no changes had been made per our conversation. XX/XX/XXXX to XX/XX/XXXX I had tried to call XXXX and left voicemails 3-4 times and messaged him via IBERIABANK portal several times. When someone finally connected me to him on XX/XX/XXXX, I told him who I was when he picked up the phone and he there was just silence. No apology or anything regarding the delays. My husband also reached out and he rushed off the phone, said he had a meeting and never called back. Which I assume prompted XXXX to reach out to me via the portal on XXXX. It seems everything took a turn once I sent him our personal information that included our age, ethnicity, etc. We have had a credit line and been inside Iberiabanks several times with no issues and that was to actually borrow funds from the company. Now we are at a different phase of XXXX XXXX and need our checking account setup ASAP for our XXXX XXXX XXXX and this has been a total nightmare to deal with. I am not sure whats causing the delay but its causing unnecessary stress and delays with other details of XXXX XXXX The latest email I received says that the account agreement and supporting docs are due within 10 days or account will be restricted. Well, that timeline has passed and there seems to be no concern to our needs as current and continuing customers of this establishment. I have been getting documents back to him same day within the hour each time, but the service we have received has been extremely subpar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX there was a hard credit report documented under my name. To my knowledge, I have not authorized any hard credit report to be pulled under my name since 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 2023-05-12
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I filed a dispute on for 24 charges that were made on my account. These charges are identical to previously disputed charges and all online transactions. I hadnt used my account online besides XXXX and to pay bills. When disputed I was told to wait 10 days. I also sent a written notice of dispute. When the 10 days was up I was told my claim was denied because the charges matched previous charges. However the charges that they matched are the same charges I have previously disputed. The card company has since reopened and closed my claim several times. When I ask what can be done about This because I didnt make the charges they tell me someone will contact me. No one had contacted me. The claim has been over the ten days and they open the claim and closed it when they want without providing any type of 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 2021-06-24
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:
I have contacted XXXX  TRANSUNION AND XXXX  on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.

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 2020-09-10
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 am writing requesting that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies. 
Instead of sending a separate letter for each, I am just listing the accounts below. Some of these, I saw are going on my credit report. I hereby request that you stop putting them on my reports. If you insist on doing so, please tell whoever uses my credit that I do not agree with the charges. 
For some of these, I have called to say that I couldnt owe as much as it says, but I dont know how to reach each one by phone. Some I have never gotten any letters for, so I dont even know how valid they are.

I know that it is illegal to put things on a credit report that shouldnt be there. So please, I request that you tell my credit reports that I do not agree. 
Please remove all items from my credit report which are not belong 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 2023-04-05
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Completed grant application in XXXX from PAHFA # XXXX, requested help resulting from Covid Hardship, fell behind in making payments. After several months of paperwork and waiting in process, was awarded the grant/ {$7900.00} received documentation via email of the amount that would help to bring account current/ assist during this hardship. Had to sign receipt of grant acceptance notification of amount /along with XXXX  . Grant funds awarded would be sent directly to Mortgage company in amount {$560.00} monthly and has up until recent months. PAHFA has not communicated as to why payments has not been sent from the grant that i was awarded for XXXX XXXX, just stopped according to Mortgage company sending grant payments. Mortgage company claim they don't have any communication from PAHFA of termination nor have i received any communication from PAHFA other than system migrating when I called had no other information nor help, told to email PAHFA, tried emailing unsuccessful in attempts. Meanwhile, I just received a default notice from XXXX about my home status being in trouble, when grant funds awarded is in positive balance. I am at loss as to what is going on, can get no understanding from XXXX PAHFA can't email nor communicate with team that can help with this problem. Please help [

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: IL
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:
I want you to update this account as I am never late in this 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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}

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 2023-06-10
Company: Experian Information Solutions Inc.
State: LA
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:
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 an 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. 

XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX Theses are all reported improperly

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 2019-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My name is XXXX XXXX XXXX XXXX and my complaint is against the Bank of America with the Merchant Account service. I opened an account with them to be able to make charges for the services provided by my moving company named XXXX XXXX XXXX. 
When carrying out my first transaction on XXXX XXXX, 2019 for an amount of XXXX, the client 's card declined me in two occasions but on the third occasion the transaction went smoothly and on the next day the bank gave me availability of that sum without any trouble. On XXXX XXXX, 2019 I made another service to another client for XXXX and they put the money on hold, on XX/XX/XXXX I made a third service to another different client for XXXX also putting this amount on hold. I call the bank worried and the answer they give me is that this money is under investigation for the alleged first two transactions that had declined. I argued that these last two transactions had nothing to do with the first service charged since there are three different clients. They told me that I was under investigation and without further explanation and that if I wanted me to close the account that they had 180 days to review and that all the transactions I made were not going to give me my money. Several days went by and after receiving no response I kept trying to solve the problem but they always evaded me and none gave me a solution so I told them to tell me where their offices were to go and nothing gave me just an email to which I sent All the documents of my company, of the company to which I am subcontracted which is the one that gives me the contracts, send the three contracts of the three clients, the invoices signed by the clients. A few days later I called and they told me to let them work, so lethally and I told them that please check if they had received my documents they said no, rectify the email and it was correct but resend everything again and nothing like this happened a few weeks until They call me to tell me they won't give me that money without further explanation. I have had many problems as a result of this I was a month without paying my debts since I had the availability of that money and I need to finish solving this situation. 
My merchant account information Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX FL, XXXX Phone 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 monetary relief
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: ND
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:
Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with XXXX was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
The credit collection called XXXX XXXX XXXX in XXXX has inserted the account account that was deleted back on the credit report. The information that they have on it is no longer valid. It has been on my report for more than seven. It violates my rights under the Credit Bills of Rights. They are claiming its current. I never had a payment plan. It was never discussed. I have never had a job, and I am XXXX. 

Equifax is refusing to comply with deleting the inaccurate debt collection from my report. 

I am homeless and in need of housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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:
I sent a complaint off XX/XX/XXXX of XXXX. I told Experian to " investigate every piece of information '' on the account I have listed below. According to the FRCA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 other with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified and accurate, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account are still not reporting XXXX XXXX accurate. I can see that the payment reporting history is all inaccurate and illegal. According to the FRCA 15 USC 1681, everything has to be XXXX XXXX accurate. Creditor : XXXX XXXX XXXXXXXX Account # 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 2023-06-10
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: Investigation took more than 30 days

Complaint:
Credit reports from XXXX, and Experian show a car repossession listed as an account that originated with XXXX and has a {$0.00} balance due. The original lender was XXXX and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had XXXX insurance, therefore XXXX was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. XXXX did not report the amount it sold for, and never disclosed the amount to me, they were paid by the XXXX insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, XXXX sold that account to XXXX XXXX XXXX for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, XXXX XXXX XXXX are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to XXXX, and Experian credit reporting agencies. This violation of FCRA laws has impacted my credit score for years.

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