BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-06-22
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: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the CRA TransUnion, They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of he FCRA and are outright refusing to uphold the law. 
Accounts XXXX XXXX AccountXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX 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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On  XXXX   XXXX .   XXXX   Transunion received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )  On  XXXX   XXXX ,   XXXX   Transunion received my  2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my Transunion credit report.     They have removed public records, but, the state tax lien was not 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 non-monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: CNG FINANCIAL CORPORATION
State: SC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CHECKNGO/AXF XXXX Date Opened : XX/XX/2016 Balance : {$87.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am actual person and consumer. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I request that the accounts provided below be deleted from my credit file immediately for the following reason : ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. FURTHERMORE, DUE TO EQUIFAX RECENT ERRORS IN CREDIT SCORE REPORTING, I AS A CONSUMER HAVE NO CONFIDENCE IN THE REPORTING OF MY INFO. 

ACCORDING TO 15 USC 1681 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

FOR ALL OF THE REASONS ABOVE I REQUEST THE FOLLOWING ACCOUNTS BE REVIEWED/DELETED. 

Accounts : 1. DEPT OF ED / XXXX {$750.00} 2. DEPT OF ED / XXXX {$5500.00} 3. DEPT OF ED / XXXX {$2700.00} 4. DEPT OF ED / XXXX {$3.00}, XXXX XXXX. XXXX XXXX XXXX {$650.00} XXXX. XXXX XXXX XXXX {$13000.00} Account : XXXX XXXX XXXX {$9300.00} - I HAVE NEVER BEEN LATE ON THIS ACCOUNT. ALL LATE PAYMENTS SHALL BE CORRECTED AND UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: KY
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  XXXX  of   XXXX   i had contacted   XXXX   about inquiries that was on my credit report. I do not have any knowledge of these inquiries.  XXXX  told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. Thank you.

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 2017-06-19
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ON XXXX XXXX, 2017 A FEMALE CALLED XXXX AND ASK FOR XXXX XXXX WHO IS MY SPOUSE. I ADVISED HER HE WASNT IN. AND I CAN ASSIST HER. SHE THEN WENT ON TO TELL ME HE OWE A DEBT AND THE AMOUNT WAS XXXX. I ADVISED THE COLLECTOR THAT THE AMOUNT WAS INCORRECT. SHE BEGAN TO GET LOUD AND CURSED ME AND SAID XXXX PAY YOUR BILL. SHE DID IDENTIFY HERSELF AS " XXXX ". THE NUMBER CAME UP AS A XXXX XXXX NUMBER WHICH WAS XXXX. I ADVISED HER NOT TO CALL MY PHONE BACK AND I CALLED HER A NAME. SHE THEN CALLED ME BACK AND SAID YOU ARE A XXXX AS WELL. I CALLED THE COMPANY XXXX XXXX IN XXXX AL. AND THEY GAVE ME THE NAME OF THE COMPANY WHO HAS THE ACCOUNT. PLAZA SERVICES XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. GOT A GUY ON THE PHONE AFTER WAITING 25 MIN TO SPEAK WITH A SUPERVISOR. THIS WAS A VIOLATION OF FDCPA PRACTICES.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so unbelievable! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well whatever the reason, I'm beyond bothered. I have sent my FTC report and my Police Report to them but still nothing has changed. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by I.Q. Data International by telephone on XXXX XXXX, 2017 and informed they were pursuing collection for an amount due an apartment complex in XXXX, XXXX. I informed them that I did not live in XXXX and that the debt was not mine. Upon receipt of the initial letter from I.Q. Data, I provided them on XXXX XXXX, 2017, via certified letter with return receipt, multiple documents to include voter registration card, auto registration, auto insurance, utility bills, mobile phone bills, cable bills, IRS letter, letter from current landlord showing my lease start date and lease end date as well as a statement from the company responsible for moving me from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I have asked the creditor for a signed copy of the lease with the apartment complex in XXXX as well as any tenant information but as of this date, they refuse to provide me with that documentation. They have provided me with a statement with my name and an address is XXXX, XXXX but as I have previously stated, I have not lived in XXXX. On XXXX XXXX, 2017, again via letter sent by certified mail, return receipt, requested a copy of any leases, tenant applications but to date, creditor has ignored my request. On XXXX XXXX, 2017, I received notification from XXXX, XXXX and XXXX, that I.Q. Data International has placed the item on my credit reports. I have been attempting to work with them to resolve this but my attempts have been ignored. I feel that my rights under the Consumer Credit Protection Act have been violated and I am asking for your assistance in order to protect them. I have since filed disputes with all 3 credit bureaus in an attempt to get this removed from my 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 2020-04-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
With a promo code XXXX ( {$200.00} bonus offer ) attached, I opened XXXX  Money Market account with U.S. Bank, with initial deposit of {$100.00}, on XX/XX/XXXX from the following link at : https : //www.usbank.com/XXXX  The terms of the promotion were : Open a XXXX  Money Market account and deposit {$10000.00} or more by XX/XX/XXXX Maintain a balance of {$10000.00} or more through XX/XX/XXXX The monthly maintenance fee of {$10.00} can be waived when minimum account balance is {$10000.00} As soon as I received an account approval notice from the bank, I set up online account profile, linking external account to this account enabling fund transfers, etc. Finally, I managed to deposit {$10000.00} additionally on XX/XX/XXXX, well before the required deposit deadline of XX/XX/XXXX. 

On XX/XX/XXXX, I noticed Monthly Maintenance Fee of {$10.00} was charged the day before, even though the account balance was {$10000.00} at that time. I called U.S. Bank and discussed the matter with Customer Service Representative, XXXX. XXXX apologized for the system glitch and refunded the {$10.00} fee immediately, stating that this would not affect my {$200.00} bonus eligibility. And I asked XXXX to note on my account about her assurances. 

Though I learned that customers who had opened savings account with the same promotional offer received {$200.00} around XX/XX/XXXX, no bonus had posted on my account. I contacted U.S. Bank and spoke to XXXX ( Ext # XXXX ) about a missing bonus. XXXX submitted a manual processing request for me and provided me with her extension number as a proof. 

I contacted U.S. Bank again on XX/XX/XXXX, and discussed the missing bonus with XXXX. XXXX filed a Request Form for Promotional Offer for me. However, I have yet to see the bonus posted on my account ; nor have I heard from U.S. Bank, despite my repeated attempts to resolve the matter. 

Furthermore, I read online postings showing that customer who were in the exactly same situation ( {$10.00} maintenance fee charged for first month but waived thereafter ) also received the {$200.00} bonus one way or another. ( Evidence to be furnished upon request ) Therefore, I request that the {$200.00} bonus should be posted on my account without undue delay!

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 2023-07-14
Company: GATEWAY FIRST BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account on XX/XX/. An account number was issued and I made two direct deposits from my employer. The direct deposits were returned to my employer and the account was closed without notice. Gateway offered a {$250.00} bonus for setting up a direct deposit but did not pay this amount. This caused a lot of problems for me as I was unable to access my paycheck funds that were returned to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In a matter of days, I was the victim of fraud in the amount of {$6600.00}. I have no affiliation with the charges and or companies involved in any capacity. My history of 30 plus years as an established member of this bank should reflect this. I have spent countless hours on phone with bank and many visits to my branch. The only result is to call the same fraud number. I have been transferred and on hold for numerous hours to be sent back and forth. The bank would not reopen or file a new claim and sent a disapproval letter. 

This fraud occurred as payments to these said various companies, 29 transactions in 3 or 4 days. This was on my Bank of America Mastercard. I have filed a police report with bank transactions before, during, and after the fraud occurred from this account. I have filed an identity theft report, notarized. I have followed instructions per identity theft instructions by freezing my credit with XXXX, XXXX and XXXX. I have certified mailed the above documents including copy of driver 's license, proof with my name and address on utility bill to bank address per disapproval letter. 

I am not paying anything as I fear it would be an admission of false charges! These charges were made as large payments to these companies in large steady payments in DAYS. I am now receiving late fees and my credit score, and life and time are being very affected by this. 

I don't understand why my bank will not support me and dig deeper to correct this. I am at a complete loss as of what to do. I will have to make another report with attached documents as I am having trouble attaching them. I am not as experienced to do this until I get help.

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 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Please re-open Complaint # XXXX and review the following CFPB case carefully. It was closed after submission. The reason regarding closure is not true. I have just registered a new account on XX/XX/2022 and created this complaint on XX/XX/2022. There is no way that it has ever been previously processed.

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 2022-09-09
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
REPOSSESSION DEFICIENCY DISPUTE This account CREDIT ACCEPTANCE CORP acct # XXXX, has violated my rights. Under the laws of the state of TEXAS UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. Please provide copies of the legal notices and proof of the commercially reasonable3 manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES. 
Also, Section 16.004 of Texas Civil Practice and Remedies Code, states ... .the statue of limitations on debt in Texas is four years. And this account is over 4 years old, so it must be 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 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fraudulent charge was placed on my account for {$1200.00} on XXXX and I issued a compliant and my bank refuses to refund my money.

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 2022-02-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation