BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : 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 2023-02-01
Company: Experian Information Solutions Inc.
State: AK
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2023-10-11
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loans were forgiven in full in XXXX. I show that the credit card companies have received info from XXXX, but it still shows my loans are active and in repayment with the full balance listed as owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-11-05
Company: EQUIFAX, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
Transunion did not provide adequate service referring freezing my accounts. Other agencies were able to obtain my information and when I spoke to someone I didnt get any answers but had me transferred to different departments and most of the credit inquiries I had disputed was either ignored or came back verified which is in violation of the FCRA because disputes was not investigated at all

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 2022-09-27
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed 1 collections account on my credit around XXXX of XXXX. I called the apartment property manager who confirmed this account to be fraudulent. She informed me that there was a fraud alert placed on the XXXX XXXX apartment application on XX/XX/XXXX and the drivers license number on file is incorrect ( does not match my drivers license number ) and she was a new property manager so she was unaware of the transactions. They have an emergency contact for XXXX XXXX, I do not know this person. They also have a contact email address on file that is incorrect. This person rented the apartments and did not pay anything towards the account but they could not be evicted during covid. The total amount is for {$22000.00}. 

The property manager stated she would send the information she provided over the phone via email but she did not get back to me after multiple attempts to get through to the office I attempted to find the contact information for the collection agency. I requested a physical copy of my credit report around XX/XX/XXXX. 

I believe that same person rented another apartment at the XXXX XXXX. The apartment property manager would not give me any information and stated I should contact the police to receive any information on a possible fraudulent account. I called the collections agency on XX/XX/XXXX and was informed to dispute the charges with the main credit bureaus. The collection agency manager provided the account number and amount owed was {$29000.00}. I filed a police report the same day, XX/XX/XXXX. After receiving a copy of the police report on XX/XX/XXXX to report the incident to all major credit bureaus possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
It should be known that I have a account reporting only at TransUnion. Said account is from a collection agency/ Debt buyer. Named XXXX under account number XXXX with a high balance of XXXX. Said account was disputed with TransUnion and verified acaccurate/ correct. Numerous grounds were named in the dispute for deletion. It should be known that the following errors are on this report : 1. Account status shows this account as open on report. Account is a collection and been closed. This account is closed as the collection status on the report shows. Collection are not open accounts. 2. Incomplete report due to last payment date missing. 3. Incomplete report due to Date of last activity missing. 4. Incomplete report due to Account type missing. 5. Incomplete report due to Closed date missing. A copy of consumers smart credit 3 bureau report is included as evidence of errors.

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 2023-10-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have contacted my credit card company through their phone hotline to start a dispute claim for a purchase that was done by accident by my XXXX XXXX XXXX son, and that I attempted to cancel with the merchant, and ended up never receiving the merchandise. The clerk on the phone filed the dispute as a cancellation when it should have been for merchandise not delivered, so the dispute was denied. I have contacted the visa credit card team through the phone and also sent a letter explaining that the main reason should be merchandise not received, but they did not make the correction on the claim. 

I then requested to have a new dispute opened and they once again denied because they changed their system and did not have the documents provided. I have provided several documents showing that I was out of the country when the delivery happened and that I did not sign the package as shown in the delivery confirmation ( which says that I signed for the item but it has no signature on file ). I also provided the investigation report from my building manager showing that the item was not delivered to my building as shown in their package log system. I also contacted my local police which has created a police report under the report number # XXXX. 

The clerk informed me that I can only appeal one last time to their dispute decision, which violates the CFPB since the reason they are using to evaluate my claim is incorrect as per mistake of the customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I hold a BANK OF AMERICA EDD debit card and they are the trustee. 
XXXX XXXX California. Location of Bank of America Needed to cash a XXXX check written from a BANK OF AMERICA customer. They charged me XXXX XXXX to cash check stating that my edd account was not a BANK OF AMERICA. I showed them my BANK OF AMERICA CARD. They still charged the fee and cashier refused to provide a receipt showing the amount paid for the check cashing. She prompted me to go to the bank manager and she refused to provide a receipt stating that it wasnt required. 
I stated as a bank customer I was required to file proper tax returns. They stated that they were not required to provide any receipt to a non-bank customer. They openly admitted to Bank of America is discriminating against XXXX customers who hold XXXX  debit card and considers them to be non customers because of their account status. Tried to extort me into opening another bank account over to receive better service. XXXX  prohibits this type of discrimination.

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 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America - check was cashed by another individual that was made our to me. Bank of America has had this check under investigation for 4 months now. Check was cashed in XX/XX/2022 check # XXXX in the amount of {$32000.00}. I faxed a formal complaint on XX/XX/2022. They still have not retrieved my money but have taken the money out of the other persons account. Bank of America has unlawful held my money for 3 months now.

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: Mungo Financial Group
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
XXXX XXXX  and Mungo Homes in XXXX SC XXXX XXXX XXXX are colluding to deny buyer return of earnest money of {$8600.00} and refusing arbitration requests from the buyer. XXXX and Mungo have been notified on multiple occasions by buyer of negative item ( s ) on credit reports that may disqualify buyer from home purchase. Buyer has requested on multiple occasions an update to their mortgage application and consumer profile used to determine buyers qualification to close. On each occasion XXXX and Mungo refuse to comply and have insisted on forcing buyer to either close or lose earnest money, while they are continuing to use an incomplete underwriting file for the determination. Mungo is aware XXXX has not and refuses to update the buyers credit profile, per the buyers request. Mungo is also denying the buyers request for arbitration, which the purchase agreement allows for. Buyer is requesting immediate relief of return of {$8600.00} earnest to buyer, forthwith.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-27
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have continued to receive harassing phone calls, letters, and threats to my credit for alleged late payments to Rocket Mortgage. I have called repeatedly since XXXX, have had late fees removed repeatedly, and requested that they update their accounting to reflect a current payment status. The company continues to state that I have had returned payments and owe additional mortgage payments. There have been XXXX months this year and I have made a total of XXXX on time mortgage payments which have been verified by my bank and none were returned for non-payment. I have submitted proof to Rocket Mortgage that all payments were processed and they continue to falsely accuse me of missing payments. I have suffered financially due to erroneous late fees, threats to my credit, harassment, and slander from this company. I sought legal advice and the attorney informed me to launch an investigation with this organization. I really need assistance and to hold this company accountable for illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The personal information on my report is wrong. The only personal information that should be on there is my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
XXXX did a hard inquiry to my credit report without my permission.

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 2023-05-18
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In regards to complaint number, XXXX, Transworld Systems provided false information in a feedback response letter. That specific complaint was filed because the payment was tried again, even after I alerted the CFPB alleging potential check fraud/ that I disputed the transaction attempt. 

The company did not provide a response to this specific complaint. I will be in communication with XXXX to question their business with federal contracts in regards to XXXX. This needs to be made public and hopefully XXXX will cancel their contract with XXXX. 

Furthermore, I am posting this current complaint so XXXX does not attempt to send another check through at the end of this month, which I will not authorize. 

Again, as XXXX has stated they " take these matters seriously '', I dont think a FTC complaint is enough and I feel they do not take these matters seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-12
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
since XX/XX/2022 i have recieved XXXX  and worked at XXXX XXXX part time while still looking for work keep that in mind. starting XXXX i went into washington federal and asked for a possible fraud check written out to me.by a company claiming to be XXXX XXXX XXXX XXXX  written to the amount of XXXX to be placed on a hold or destroyed so not to mess with my account. in which Washington federal bank placed the wrong hold on the check releasing the funds in my account and i didnt notice till XXXX and forgot to inform the bank.7 days later the check bounced and i had to pay back XXXX that spent living my life cause the rest of the check was safe in my saving .which the bank was able to go in an take .when reporting to their boss i was called a female but im male .But i payed my account even on XXXX and was told my accounts would be fine XXXX early morning my account was forced closed do to suspected employment benefit fraud so i went into the bank at XXXX. they check with unemployment and my job i had did nothing wrong but they closed both checking and saving accounts. and now wont let me open back up a new checking knowing i had asked for protection and had done nothing wrong.so i went in XXXX to try and open a new account the voted no.

Company response to consumer: Closed with explanation