BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While on a XXXX XXXX XXXX cruise, they advertised through multiple verbal presentations that signing up for the XXXX credit card and transferring your shipboard balance to the new card would garner a 0 % promotional interest rate on that initial balance. After a couple months of payments, I noticed that my balance was not dropping as expected and then found that it had been charging interest the entire time. I contacted Bank of America ( the issuing bank ), and they stated they can not control or speak to promotional offers made by the cruise line ( as a co-brand the company can develop promotions as they see fit ). The XXXX call center stated they have no way of seeing past promotions or what I might have been offered. I sent an email to XXXX corporate and have not received a response.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from XXXX, XXXX and TransUnion. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus XXXX, XXXX and TransUnion failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for XXXX for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. TransUnion only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

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 2022-12-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
: For ; My-CLAIM-is with My-KNOWLEDGE- of The-FACTS ; in ACCORDANCE WITH 15 USC 1692 ( G ) VALIDATION OF DEBTS ; FAILED ; ALL-FINES-UPTO- {$5000.00}, OR 5-YEARS-IN-PRISON, OR BOTH ; OR MORE ; - : False or Misleading Representations 15 U.S.C. 1692e ; - : Harassing or Abusive Practices 15 U.S.C. 1692d, by ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX I ; XXXX ; XXXX XXXX DEMAND ; XXXX XXXX XXXX CEASE-AND-DESIST-NOW. 
: ALL-COLLECTION-ACTIVITY ; By ; XXXX-XXXX-XXXX, XXXX ; IS-FRAUDULENT .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX I was unable to pay the mortgage every month due to my spouse losing their job. So I tried to work with my mortgage company to either lower the payments or go in to forbearance. They either gave me thr run around or denied me in the span of amount XXXX. So we reached out to the MD Homeowner Assistance Fund And got approved to have out mortgage paid off but our Mortgage Company will not respond directly to their request. The only thing they were about to stop was our sale by date which was in XXXX. 

No matter how many calls I make to make the connection between the program and my more company it falls on deaf ears. They gave me an email and no one has responded to their request. 

This is very frustrating and it will be a year this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company is reporting credit inquiry information on my credit report without my written consent. My written consent is always required before my non public personal information is shared by any person other than me.

I have never provided the company with any consent or implied consent to report such information. I contacted the company and the agents refused to provide me with proof of permissible purpose and written consent from me. The company refused to provide the information requested. It is clear that the company is negligent and willfully violating permissible purposes of consumer reports under the Consumer Credit Protection Act. 

The excessive inquiry information has ruined my credit standing and caused privacy issues which is causing me emotional distress. 

The inquires are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Huntington National Bank I received notice that whatever I had on my accounts on XX/XX/XXXX would end, and they would send me a check. I still have over {$150000.00} in the accounts. I went to the branch in Michigan today, and they stated that I had to get a hold release, but did not have a number. 
Also, one account has {$65000.00} less today than yesterday, and Huntington can not explain. 
Accounts : XXXX. I am the 66.7 % owner on that account. Current balance {$16000.00} XXXX. I am 100 % owner on account Current balance {$4500.00} XXXX. I am 66.7 % owner on account. Current balance {$130000.00} They stated that they would mail me a check, then they said I had to go to the branch, and when I went to the branch they said they could not do it, and I had to call a XXXX number. When I called the number, they said I had to go to the branch. I have been at that branch 2-4 times in the last couple of weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has agreed to remove the late payment and it will reflect on my credit report within 15 days. It was removed immediately the next day from all XXXX credit bureaus after they agreed. But then the late payment reappeared in a few days. This is causing a major dip and confusion on my credit report and goes against terms. Today makes 15 days and the late payment is still on my 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has agreed to remove the late payment and it will reflect on my credit report within 15 days. It was removed immediately the next day from all XXXX credit bureaus after they agreed. But then the late payment reappeared in a few days. This is causing a major dip and confusion on my credit report and goes against terms. Today makes 15 days and the late payment is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CITIBANK, N.A.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
on XX/XX/22 a loan was processed in my name without my knowledge via my Citibank account. I was not aware, nor did I approve or sign for this loan. Citibank has acknowledge it is fraud and has provided documentation to dispute. The frauds also compromised my citibank checking bank accounts and stole {$1200.00}. This was all done virtually via my online citibank 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 2022-07-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A listing was posted on XXXX marketplace for a rental. During communication with the supposed landlord, I was asked to send a partial deposit in order to get access to see the room. I sent multiple payments through XXXX as a result. After realizing I was scammed I asked Chase bank to reverse the charges but they claim they couldnt recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
It is accounts on my credit report that are fraud and I didn't authorize.

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 2023-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. this has been an ongoing issue that needs to be resolved. looking over my credit profile ive noticed all data is reporting illegal an fraudulent information. please review the listed items an please report an delete all information listed to help clear my credit report asap.

Company response to consumer: In progress
Consumer complaint received 2022-08-18
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  -US DEPT ED XXXX  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.

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 2022-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 at XXXX My car was broke into and I had my SSN, my driver license, and passport. Theft took all my belongings and had my debit card. Theft went to a nearest atm and withdrawn XXXX. 


I made a call to Wells Fargo and asked to replace my cards. I asked to dispute XXXX. I submit my police report, and my documents. I told them that I had video recording of theft breaking into my car. Bank said they cant do anything about it. ATM has cameras and I asked why cant they use their camera to detect the person and they do is deny 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 2022-12-04
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act, The List of inquiry accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: SLM CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Inaccurate information on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Jefferson capital collections try to illegally contact me at my moms property and officer was told on camera when Im being represented with an private attorney that i was already in an ongoing law suit with this creditor for my credit report actions and hardships i had to endure, i was then hit with a law suit to she summons in person when i told the officer i was already being represented by an attorney These people violated the state Arizona law for fdcpa regulations on approaching a debt collection thats been sold to a third party they also threatened to garnish private wages and thats also highly illegal for third party collection agency in Arizona i need this legally dissolved or they need to settle with me any way i can pay a settlement but no more then a couple hundred due to health expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: TN
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:
Over 45 days ago sent in letters to the bureaus informing them about inaccurate items reporting to my credit profile and I have yet to hear anything from them. I feel like I am being taken advantage of and the matter at hand is not being taken seriously. They are in major violation, and this have caused me a huge amount of stress. I will take this matter to court if I have to. Please help me resolve this issue.

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 2022-09-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My address was removed from my account at Experian erroneously ( on their end ) on XX/XX/22. I have had issues with having it put back on for the past three months. I have a call log of multiple calls and email confirmation after the call, I have multiple cases that were open, spoke with several Supervisors and was not resolved. 
XX/XX/XXXX I applied for a loan and within 24hrs was called and told that they can not pull a sore for me. My report reflected a XXXX score and this is incorrect. 
Also due to address being erased it conflicted with my Experian boost account telling me it can not give me my free credit report and that my adress and lenders do not match. 
For the past 4 months my score is almost XXXX points different than my other two reports with the same information on all reports.

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 2022-12-04
Company: Southwest Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C Account Number # XXXX Also the Debt Collection Agency took more than 30 days to complete my investigation I have enclosed a copy of my letter sent to the debt collector. 
I am not liable for this debt and do NOT have a contract with Southwest Recovery Service

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 2022-12-04
Company: Carter-Young, Inc.
State: TN
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:
I have proof that XXXX XXXX and XXXX should be off my credit report. I have a screenshot proving the Comenity account was paid off. I have a screenshot showing XXXX XXXX was taken off my credit. Both screenshots are from XXXX and XXXX sites themselves. Now Im fighting to get this off my credit again. The credit agencies are not doing their jobs. These companies are not validating this debt. Im getting tired.

Company response to consumer: Closed with explanation