BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 just received a letter from Transunion confirming XXXX XXXX XXXX Missouri was accurate.I went to the XXXX XXXX XXXX  Missouri today they denied having a investigation with transunion.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the transunion report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had bank account with Wells Fargo. Just want to know if Im eligible for payment

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 2023-04-27
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 the collection company MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX send me to collection for a bill of {$480.00} from XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies all of them removed this from my credit file back in XX/XX/XXXX. But keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that MERCANTILE ADJMNT BUR stop reporting this to my credit report. If not im going to start a legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Prior CFPB case XXXX In follow up to the bank 's prior response. I do not understand why they reported the account 30 days past due for XX/XX/2023, after I satisfied the XX/XX/2023 payment due when I brought the account current with a payment on my XX/XX/2023 call. I realize they indicated that they sent me statements, however, in the same call mentioned above I repeatedly did ask the agent and they confirmed I was good, and the next payment was not due until XX/XX/2023. The information that they confirmed when I called was misleading which resulted in the past due status of the 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 non-monetary relief
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a follow up CFPB Complaint to my previous CFPB Complaint I submitted requesting the deletion of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b. I am protected by the Federal law form erroneous reporting and you are required by law to remove any accounts and information off of my Credit File. Please comply with law and have the disputed accounts and information removed as soon as possible : XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX , MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$2000.00}. You have not sent me any copy of proof of verification supporting your claims that the disputed accounts belong to me. Without these documents, immediate deletion of the disputed items is to be expected.

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 2023-04-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the following account and the resolution of the dispute was that the account should be deleted but it is still reporting on my credit file. Please review the following attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
I haven't received an answer from the 3 Credit Bureaus as of now, which is what led me to decide to ask you for help. They have acted negligently and refused to abide by my request. I am positive that they must adhere to the Fair Credit Reporting Act law, present documentation, and proof, and provide definite and accurate answers within the allotted statutory time. But if they didn't, they'd have to amend or remove the inaccurate and unconfirmed information. My credit scores have been severely harmed by their unpleasant and inappropriate behavior. Please notice the items I'm worried about below : XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX has received numerous requests from me. After months of no reply, XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, which I received XX/XX/XXXX2023. 
The letter from XXXX XXXX stated that they are not able to locate my account with them with the information provided. I provided XXXX XXXX all possible personal information needed to locate my account with them. Due to the non-formational letter & statement from XXXX, I demand XXXX XXXXXXXXXXXX XXXX XXXX XXXX to be deleted from my credit report IMMEDIATELY due to the fact they have no validation or proof of my 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 2023-04-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in XXXX  i tried to buy a house. the XXXX XXXXXXXX  ran my credit and there were three pending accounts that were not paid. one with XXXX XXXX, second with XXXX XXXX, and the last one with Comenity Bank. the first two accounts were dropped because the loans were in XXXX, and XXXX. I contacted Comenity bank and mentioned about the identity theft, and they responded that I had " benefits from the purchases ''!! Comenity bank sold the debt to XXXX XXXX XXXX, and now they are suing me for the account i never opened or had any idea of existing. i would like this allegation to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have try over and over to fix this problem. they have not fixed the errors in my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited over XXXX in Bank of America in XXXX atm the amount did not show nor reflect on my account I told the clerk there, as a result I was rushed no one said anything about a 10 day investigation or the fact that I would have to wait. I am traveling for work and have no money now due to this Im also negative and they keep making me wait the first claim put in when it first happens XX/XX/23 was never recorded I had to call today on XX/XX/23 then i spoke to a rep and manger and now theirs a claim out in I am extremely upset.

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 2023-01-22
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: Was not notified of investigation status or results

Complaint:
I disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX TransUnion, initiated over XXXX  months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no success.

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 2023-04-27
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXXXXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Account Number : 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 2023-02-04
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I moved to XXXX  in XXXX, 2018. I had my computer taken over after signing up for virus protection. They took money from my premier  checking account that i had with Santander bank for many years I then went into the XXXX branch in Massachusetts. the Manager closed my premier  checking and savings accounts and issued me a plain red card masterdebit instead of the gold premier card I had for many years!!! I never asked him to give me inferior accounts and assumed he would do his job and replace said accounts with comparable ones! now i just noticed a fraud charge on my red card as my gold card no longer works. the bank has discontinued those premier accounts now, but I was supposed to be grandfathered in as I was a XXXX  Bank member for 25 years. I want all my premier checks returned and gold card back like I had for many years!!! the XXXX thieves also stole {$7000.00} which I never received., so I'd like that deposited to premier checking

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Dear Consumer Financial Protection Bureau, On XX/XX/2023 I sent certified letters asking the credit reporting agencies to verify inaccuracies on my credit report and send me proof. Over 30 days has past now and these items are still reporting inaccurately on my credit report. How are these accounts verified if the date of last activity, date of last reporting, date of opened and among other things are completely wrong? This is a clear violation of my rights!!! 

The accounts are : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX The FCRA requires CRAs to take reasonable steps to ensure the accuracy and completeness of the information in consumer credit reports. This includes conducting a reasonable investigation when a consumer disputes information on their credit report. However, in my case, the CRA has failed to properly investigate my dispute and continues to report inaccurate information on my credit report. 

I believe that this constitutes a violation of my rights under the FCRA, and I request that the Consumer Financial Protection Bureau take action to ensure that the CRA corrects the inaccuracies on my credit report and complies with its obligations under the FCRA. 

If the CRA fails to properly investigate a dispute and continues to report inaccurate information, the consumer may have a claim under the FCRA for " negligent reporting. '' In such cases, the consumer may be entitled to damages, including actual and statutory damages, as well as attorney 's fees.

Additionally, if the CRA knowingly or recklessly reports inaccurate information, the consumer may have a claim under the FCRA for " willful noncompliance. '' In such cases, the consumer may be entitled to statutory damages of up to {$1000.00}, as well as attorney 's fees.

I attached all evidence and supporting documents. Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: CORELOGIC INC
State: DE
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 reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. CoreLogic, XXXX and XXXX XXXX, are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. CoreLogic, XXXX and XXXX XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ).

CoreLogic, XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
These accounts are reporting incorrectly. According to 15 usc 1681 I have the right to privacy and did not give these companies written permission to furnish these accounts. 
Requesting that a full investigation be done for the accounts listed below. 
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 Please remove these accounts it is hindering my life.

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 2023-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX I received an alert from XXXX XXXX, regarding a decrease in my credit score. I logged into my account and noticed that Equifax Information Services LLC. was reporting an account that had been removed due to fraud/identity theft. XXXX XXXX was reporting. According to the confirmation number from Equifax Information Services LLC, confirmation numbers XXXX confirmed that the account was removed. Equifax INFORMATION Services LLC has violated my consumer rights according to the FCRA

15 1681. Please remove the account from my credit report. Attached is the supporting documentation. credit report, as well as FTC statement.

Company response to consumer: Closed with explanation