BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX is reporting 2 account for XXXX XXXX opened back in XXXX XXXX. 
One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open 2 account same day and validation of the debt, I did the claim over the phone and also by mail.

I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not one has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come 2 accounts was opened under my name same day and I was only aware about 1 account, even XXXX XXXX XXXX XXXX confirmed that in their system show I have 1 account in good stand they are fail to provide any information.

I am requesting proof of the 2 credit applications with validation of the debt and any documents relate to those 2 account
s or they need to delete the second 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 2022-10-07
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: Account information incorrect

Complaint:
DELETE ACCOUNT for inaccurate Payment history, on XX/XX/2022 this account shows 60 days late, with no prior 30 day late it can not be 60 days late without first being 30 days late. Attached proof of inaccuracies

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 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Todays date is XXXX. I had filed a claim on my bank of america EDD debit card back in XXXX. I filed XXXX claims XXXX was for {$100.00} the other {$5000.00} and the last one was for $ XXXX. The bank refunded me the first XXXX decided in my favor but the XXXX claim the $ XXXX they don't want to pay bac. This case was XXXX years ago so much time has passed that they cant even investigate even if they wanted. I believe just the time it has taken for them to respond to my claim i should get refun. I asked them for what documents they used to determine the outcome they just sent me my statement thats all. Showing me a copy of my statement don't mean anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-11-03
Company: Experian Information Solutions Inc.
State: MA
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:
Experian, XXXX, and XXXX did not investigate my dispute. The error keeps coming back verified. I asked them how they went about verifying the account and who they spoke to. I never received a response. 
I have all the documents that they need to delete the account that does not belong to me off my credit 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 explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please do not close this complaint, it is not being made by mistake, and is regarding a different matter. I have been trying to dispute incorrect items listed on my credit reports and have gotten no assistance through the credit bureaus. Please see attached documents for referenced issues from above.

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 2023-09-25
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They charged 11 overdraft fees in a matter of days. I have gone into my local branch to request overdraft protection be removed from my account. The teller said it was done but apparently it was not done. Somehow this is my fault? They have record of it being removed from my personal account but not the business account even though the teller at the time assured me that it was removed from my business and personal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Second missing check XXXX withdrawn on XX/XX/2023 This is in addition to the complaint # XXXX for the missing check from bank of america account number XXXX. We got confirmation from the account owner of the XXXX Banks that the second check of XX/XX/2023 also did not go through. We have canlled the bill pay 'auto service ' for all future transactions. We have raised an online 'payment inquiry ' with and will be speaking about this payment also with the contact who was forwarded the first complaint : XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXXXXXX XXXX XXXX The total refund needed is now XXXX ( XX/XX/2023 ) and XXXX ( XX/XX/2023 ) = XXXX US. 

Regards, 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 2023-04-02
Company: United Revenue Corporation
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:
I sent " UNITED REVENUE CORP '' collection company a Debt Validation letter disputing this account under section 809 per the FCRA. They responded by sending me my personal medical information from an alleged bill. This information included my personal medical information which makes this is a HIPPA violation, and I intended to sue for every dime if this account isn't removed from my credit report ASAP! I have well documented all of my correspondence ; the letter I've sent to UNITED REVENUE CORP as well as a received response from UNITED REVENUE CORP, I have everything I need to prove in court without a reasonable doubt that my rights have under the FCRA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I use Aidvantage. On the online portal, the information provided indicates that if I use autopay, then the " amount due '' always displays as {$0.00}. I set up autopay for my loan in the weeks before payments resumed in XX/XX/2023. However, Aidvantage did not autopay my loan for either XX/XX/2023 or XX/XX/2023 ( my monthly due date is on the XXXX of each month ). 

I have tried calling the Aidvantage customer service line on two occasions over the past 2 months, but I am never able to speak to someone even after being on hold for upwards of 20 minutes. I do not want to make manual payments and then have Aidvantage take another month of payments from autopay, and even though I set up autopay I am still being charged interest on two monthly payments that were supposed to be applied but never were. I get a benefit of a slightly lower interest rate for autopay that I do not want to lose. 

Combining this with Aidvantage not picking up the phone and displaying my loan as being up to date on payments, even though Aidvantage is not charging me, makes me extremely worried about compounding interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XX/XX/

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My checking account was opened in XX/XX/XXXX and I signed up sign card and agreement. I was given booklet and said XXXX to claim after delivered mo statement. I always got a paper statement and I do not do online at all except emails, I noticed suddenly monthly statements stopped in XXXX yrs ago or more. Every often I complained at the branch but nobody helped me. They told me to call customer service but I don't speak XXXX well and can't hear well. I request several times in XXXX and XXXX for not receiving monthly statments. They told me my account is both online and paper. It's very inconvenient and I have to close account without statements, Bank doesn't have any answer why I don't receive. 

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 2023-10-23
Company: EQUIFAX, INC.
State: NJ
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 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 items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to file a formal complaint regarding the unresolved issues on my credit report. Despite my initial attempts to rectify inaccuracies, including the reporting of a late closed account, an account included in bankruptcy, and a public record, the information remains unchanged. 

Despite providing relevant supporting documentation and following the proper dispute procedures, there has been no resolution, and the inaccuracies persist. 

Enclosed with this letter, please find additional supporting documentation reaffirming the inaccuracies in question. I have attached : I request that your agency conducts a thorough and expedited investigation into the inaccurate information mentioned above. The continued presence of this misinformation is causing significant harm to my creditworthiness, and I insist on prompt corrective action. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the inaccuracies outlined. 
Correct the information promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove tthe said items items in my credit file : XXXX XXXX XXXXXXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX, I discovered that XXXX was reporting a negative credit card account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that XXXX has breached there agreement with me and violated there terms and conditions by reporting my non public personal information to third parties, namely XXXX, TransUnion and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. And XXXX is also still currently reporting transaction history which is illegal. I wish to Opt out pursuant to 15 USC 6802-6805. XXXX was obligated to send me a opt out request every 30 days and failed to do so.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion has not removed the fraudulent account XXXX XXXX # XXXX I have no knowledge of this account and I asked Transunion to verify the original address we're this debt started from and send me signature forms from when this account was first opened... I have not received this and this account has been deleted from all other credit bureau as they have done their job!! Transunion is not following the laws and they are breaking the rules!! I demand that this item get off 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