BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Need this account removed trying to buy a home soon.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2022-06-27
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In short, Cash App says they issued a refund through an Electronic Funds Transfer - Date and Time : XX/XX/22 at XXXX PDT - Amount : {$200.00} - Sent to a card ending in : XXXX I talked to my Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX several times and they said the EFT was never received so they will not open a case to investigate the issue. In other words, both Cash App and XXXX XXXX XXXX XXXX XXXX are refusing to do anything to resolve the issue and I am out {$200.00}. I attached emails to and from Cash App to document the issue. I am unable to provide the name of more than one company in this complaint so I included Cash App. It seems reasonable to expect that XXXX XXXX XXXX XXXX XXXX can be more helpful in resolving the situation. Please let me know if you want that account number. 

This is the 3rd time I submitted this same complaint and it has been closed twice because, " Some of the data provided indicates that someone other than you may have submitted the complaint. I called several times and spoke to a supervisor who said there is no way to know what the issue is and to file a third time. I have contacted the CFPB Ombudsman regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I had set up a future transfer between my saving and checking account at Bank of America for {$3500.00} to be made on XX/XX/2021. On the morning of XX/XX/XXXX, I checked my account and it showed the transfer to be " processing ''. I had also made a payment to my credit card company - XXXX - that was also made on XX/XX/XXXX. I thought that was strange that the {$3500.00} transfer was showing as processing when in the past would just show up in my account. On the XX/XX/XXXX, I had noticed that the transfer was not completed on the XXXX but now it was showing up in my account on XX/XX/XXXX. Because the transfer was not made, it cause my account to go into overdraft for XX/XX/XXXX. I called and explained that this was not my fault and asked why a transfer was not made on the date I had requested. How could a transfer set up well in advance not be made on the date requested but processed the following day? The banks contention was that I did not have sufficient funds in my savings account on the XXXX so that is why it was not made. This is also not correct since I had over {$4800.00} in my savings account. The transfer was for {$3500.00}. They had also put an overdraft hold on my account for {$1000.00}. Even with the {$1000.00} overdraft hold, I still had sufficient funds to cover the {$3500.00} transfer. They eventually did make the transfer on XX/XX/XXXX but this caused many other issues with my credit card company since Bank of America returned my credit card payment. It was resubmitted by my credit card company on XX/XX/XXXX. I have a screen print of the transfer that was scheduled for the XXXX but now in their system it shows it as the XXXX. Somehow this transfer was changed and I want to know why. I have included the screen shot of the transfer showing the XX/XX/XXXX transfer date requested. I also have included the transfer that was eventually made on the 20th. I have also included bank transaction for both savings ( Advantage Saving ) and checking ( Adv Plus Banking ) which shows the balances and the transactions

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 2022-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea what this debt is for. as XXXX my debts are paid in full please remove from my acc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date XXXX XXXX XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

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 2023-11-20
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: SC
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
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:
Investigation Request to Delete reported data NOT entirely accurate and PHYSICALLY VERIFIED, and NOT certifiably compliant and shown valid! 

I would like to make sure that, in accordance with FCRA requirements, you have and ONLY RETAIN current, true, correct, complete, and mandated reported information. I REQUEST that you REMOVE all information that is incomplete or inaccurate in any way since I have the legal right to do so. 

The information that I discovered to be inaccurate, wrong, incomplete, out of date, not verifiable, and unsupported is all mentioned below. I have not yet received any tangible evidence demonstrating the veracity of the negative assertions made in my report. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) | XXXX - {$110.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX XXXX XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) | XXXX - {$720.00} XXXX | XXXX - {$720.00} XXXX XXXX | XXXX - {$740.00} XXXX | XXXX - {$2700.00} XXXX | XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: The CMI Group, 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:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I found a BofA VISA card on my XXXX XXXX : XXXX. 
I never ordered this card, never gave my consent to open this card. I called BofA Cust. Serv. The couldn trace this card. I tried to trace this card on the VISA website, to no avail. 
BofA Cust. Serv. never returned their response to my inquiry. The card is still lingers on my account. Please help XXXX Bank of America Credit Card BOFA VISA XXXX XXXX XXXX Bank of America Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOFA VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Based on my credit report I have identified several errors these areas include incorrect personal information and accurate payment history and unauthorized accounts I'm disputing these errors as a negatively impact my credit score and standing by resolving these issues I am to insure the accuracy of my credit report protect my financial reputation and potentially gain XXXX  better access to credit opportunities in a future

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX, XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$13000.00} ; DPT EDXXXX XXXX Balance Owed : {$350.00} ; DPT ED/XXXX XXXX Balance Owed : {$3700.00} ; DPT ED/XXXX XXXX Balance Owed : {$2500.00} ; DPT EDXXXX XXXX Balance Owed : {$3700.00} ; DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT ED/XXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$2700.00} ; DPT EDXXXX XXXX Balance Owed : {$1200.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$73.00} ; DPT EDXXXX XXXX Balance Owed : {$2900.00} ; DPT EDXXXX XXXX Balance Owed : {$1500.00} ; DPT EDXXXX XXXX Balance Owed : {$440.00} ; DPT ED/XXXX XXXX Balance Owed : {$2200.00} ; DPT EDXXXX XXXX Balance Owed : {$1200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: First Technology Federal Credit Union
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage ( principle, interest, taxes, and insurance ) are through FirstTech Federal Credit Union. I purchased my house at XXXX XXXX XXXX XXXX and moved in on XX/XX/XXXX. In XX/XX/XXXX, I noticed my mortgage payment had increased by {$610.00} with no notice from FirstTech. Trying to get FirstTech to talk to me about this at first was laborious. FirstTech never sent me a notice that my escrow account was short and I was never offered an option to pay the shortage- instead FirstTech unilaterally increased my mortage. Further investigation discovered that FirstTech paid XXXX County Taxes even though on my closing statement from XXXX XXXXXXXX XXXX XXXX it showed that XXXX XXXXXXXX XXXX XXXX had held back taxes to be paid as part of my transaction due to when I purchased the house. This led to XXXX County refunding the taxes paid by XXXX XXXX XXXX  XXXX which never made it back to me and into my FirstTech escrow account. I had to talk to XXXX County to find out this information and then provide it to FirstTech. FirstTech has not followed 12 CFR Part 1024. Due to this event and the lack of transparency by FirstTech I've had to take time out of work, had to go through a serious amount of stress wondering how there could be a $ XXXX dollar shortage that FirstTech did not say anything about for a year and never talk to me about. Additionally, I pulled {$9000.00} out of my XXXX XXXX XXXX retirement account because XXXX told me I was on the hook for the shortage ( when they screwed up ) and that will cost me $ XXXX due to the XXXX % interest that I'll now have to pay to cover the pull let alone the lost money from the investment. I was told by XXXX at FirstTech that FirstTech had XXXX obligation to inform me of the escrow shortage and provide options to make it right ( had it really been a shortage and not a mismanagement of funds by FirstTech ). After talking to XXXX XXXXXXXX XXXX XXXXXXXX, the representative XXXX provided me more customer service and help in 5 minutes than FirstTech has in nearly three weeks. The issue still remains that FirstTech paid the taxes and took money out of my escrow account in error and is now blaming XXXX XXXX. It even took me pushing XXXX to put the overcharge from XXXX back in my account- she wanted me to leave it there because " well you know you might have to pay a little more next year anyways so why not get ahead '' ... ... how would I know if I was ahead or not when FirstTech does not provide the required notices of any issue and does not audit their accounts properly to see problems that are a year old??!?!?!?!?

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 2022-11-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/2022 my car was repossessed and sold, so Mazda states. the car loan was XXXX. they claim to have sold it for XXXX and I owe XXXX after the fees and remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: LTD Financial Services, L.P.
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:
I DO NOT RECOGNIZE SUCH INFORMATION. I RECIEVED SOMETHING IN THE MAIL REGARDING A BALANCE I HAVE NEVER APPLIED FOR NOR DO I UNDERSTAND WHERE THIS DEBT CAME FROM. 

LTD FINANCIAL SERVICES IS ATTEMTPTING TO COLLECTA DEBT FROM ME ( CONSUMER ) IN WHICH I DID NOT CREATE!!! 

THIS INFORMATION IS INCORRECT!!! 

Original Creditor- XXXX XXXX XXXX  amount is {$5900.00} and is INCORRECT!!!!!!!!!! 

REFERENCE NUMBER - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Company is reporting a lot of inaccurate and negative information on my personal credit report. I have attempted to dispute several times with them continuing to defame me. Along with the various companies that are attempting to extort payments on alleged debts. These companies have used my credit card number improperly and unlawfully. They are defaming me on a daily basis with negative and inaccurate information. From fake names to fake addresses. To just plain old negative information. I have attempted many times to resolve these issues with billing errors, alleged debts, identity theft, and the continued violation of privacy afforded to me through various federal and state laws. I feel attacked and defamed.

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