BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: Southwest Recovery Services, Inc.
State: MI
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 identity was stolen. Please report accurate information. I have no knowledge of the accounts listed on the files below. It has damaged my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 filed a dispute with the company and the credit bureaus several times since XX/XX/2017 and the negative report is still showing on my credit report. I have never been late with this card and it still shows 30 days late on all my credit reports.

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 2020-12-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went today XX/XX/XXXX around XXXX to XXXX XXXX to withdrawal funds from my td bank checking account through the drive through I was told by one of the banker that as I open the account online I need to come in to see one of their bank associate to resolve some issues with the account that I have with td bank then I went in I spoke with XXXX the banker lady she told me that they made a decision to closed my account permanently and she kept my debit card and refused to give to me back and withdraw funds also mean while I was waiting I was told disrespectfully to wait to move away while I was seated on front of the banker then I was explaining to her how I feel that is unfair the treatment which they made me waste my time going home then they called me to come back to the branch then I went and they still told me to they gon na closed the account permanently for ever with the bank and through that time from XXXX to XXXX XXXX somebody use my debit card and I had to called the police from the branch the police show up to help with the matters but the td bank employee covers some story about the matter which is unfair and after all that drama they gave me my debit card back but still the manager told me that they gon na close my account permanently which I think I was discriminated by my skin color and race I wan na exercise my right as human being I filing this complaint thank you I already called the customer service from the bank but I was discriminated by this bank ... ... also another details they told me back in XXXX I had and account with them there was an old balance around XXXX dollars which I paid XX/XX/XXXX they said that was one of the reasons but I been with td bank for about 7 months or longer. And I have others product with that institution but everything is recorded in the branch how I was treated as prove and XXXX the banker kept my debit car for about 3 to 4 hours and after I called the police I got the debit card back under their owns description like they are trying to cover the story and hide the true I was discriminated because my race and skin color also the question me like the police about my account and the manager and other supervisors told me the same that they gon na close the account permanently for ever and never in my life be a customer for td bank everything is under branch video even when the teller walk from the counter and got my debit card from XXXX XXXX of the ladys that started the matter and disagreement about my account and relationship with td bank my prove is the bank recorded camera and videos

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
RE : Fair Credit Reporting Act and Dispute with XXXX Account No. XXXXDear Federal Trade Commission, The brief Summary of my case is mentioned below for your review and resolution:1. I have discussed this Billing case with XXXX XXXX dept. and was advised by the consultant to send the details of this case to them and XXXX will send the corrected credit data to the credit Bureaus. But I have not received any response from XXXX yet ; in spite of many phone calls & reminders. 
2. I switched my Phone/internet service to XXXX after informing previous carrier XXXX in late XXXX XXXX Associate told me that I will have to pay early termination fees & estimated amount was not available with them in XXXX XX/XX/XXXX.I was informed that Bill will be mailed to me soon which should be paid on receipt. But I NEVER received any Bill/Statement from XXXX in next three months.Then I have to travel XXXX for 4 weeks in late XXXX to see my very sick sister.I have paid the full Bill of {$200.00} on my return XXXX and which has also been confirmed by XXXX. 
3.However, in the meantime XXXX has reported to Credit Bureaus ( & without first sending me the Bill ) that I am delinquent on their payment.I am not listed on their Online Billing protocol so I have to receive paper bill.Verizon did not call me and or e-mailed about this bill. Therefore this action on part of XXXX is NOT justified and legal under " Fair Cerdit Reporting Act '', Section 15 USC XXXX as this Act directs all Institutions and corporations to make sure to send only accurate and fully credible reports to Credit bureaus after fullfilling all standard billing requirements. 
4. I have called XXXX many times and discussed this issue with XXXX XXXX dept. and also with Billing section with XXXX XXXX and XXXX XXXX on XX/XX/XXXX.XXXX I have not received the copy of Bill ( if it was mailed to me ) and or any explanation about this misreporting on about my Credit. 
I will appreciate it if you wil take up this issue with XXXX and resolve it as early as possible.If you have any questions, please feel free to call me at XXXX or e-mail your questions at XXXXXXXXXXXX. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX MD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed several items on my credit report and they have not responded with proof or 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 2020-12-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states 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 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten 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 explanation
Consumer complaint received 2022-03-18
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have deposited my payroll checks several weeks ago that the bank just now has said they are bad checks My debit card was stolen so now I am upside down by {$7900.00} The XXXX XXXX somehow rolled that into my Mother 's account The XXXX XXXX has given out my personal information without my authorization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
EXPERIAN INSIST ON REPORTING TOO MANY HARD INQUIRIES. 
EXPERIAN CONTINUE TO REPORT THE LOWEST CREDIT SCORES OF THE THREE MAJOR CREDIT BUREAUS. WHY IS THERE SUCH A DESPARITY IN SCORES, WHEN ALL ACCOUNTS HAVE BEEN LISTED AS " ACCOUNTS IN GOOD STANDING '' BY ALL THREE MAJOR CREDIT BUREAUS, INCLUDING EXPERIAN. LASTEST EXPERIAN REPORTED RESULTED IN A BANK DENYING AN AUTO REFINANCE BASED ON DATA RECEIVED FRM EXPERIAN. WHY IS EXPERIAN DATA BEING TREATED AS GOSPEL.

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 2015-09-08
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is a continual problem that we have encountered ; a person with the same name that is a junior but does n't use it. I was told it was the improper use of the name that causes this. I have in my experience seen that XXXX and XXXX is NOT used on normal basis. The credit bureaus do not verify social security numbers and date of birth that are a constant, but instead rely on addresses that could change. I was told that it would take a change in legislation to have them required to use social security numbers for verification. Why not use the birth date? Why are n't these agencies accountable for their actions? The public has to spend the time and energy to clean this up when verification could be made easily before damaging someone 's credit. I think this should be taken to the media and have the credit bureaus investigated and make them accountable. I do not have any supporting documentation only phone calls with Experian. I will now get my reports from XXXX and XXXX XXXX and see if they are the same. I am really getting tired of this, every time we want to get a loan this happens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I XXXX XXXX want to state that I've been a victim of credit card fraud and identity theft. this all started on Thursday XX/XX/2020 i received a call from individuals acting has both social security and FBI agents. they had knowledge of my personal information and due to that they got a hold of my accounts. the calls lasted till Monday XX/XX/XXXX of 2020 and they took {$28000.00} of my credit accounts and from my saving accounts {$10000.00} this is from both my banks accounts. I bank with both bank of America and XXXX XXXX. I have made claims to both my banks. Also, I have contacted my local authority and had made police reports. i will be contacting both the social security services and the FBI.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion continues to share my credit report without written permission from me and this is continually bringing down my score. 

Below are the dates that inquiries were made without my consent and from the credit source. I request all these inquires be removed and my credit report updated : 1. XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX CREDIT  PULLED ON XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CREDIT PULLED ON XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX CREDIT PULLED XX/XX/XXXX 4. XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX XXXX CREDIT PULLED XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX CREDIT PULLED ON XX/XX/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 2020-12-29
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit acceptance will not remove remarks from my credit reports which says settle for less which is affecting my credit reports

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 2017-03-26
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These address do not belong to me my address is XXXX XXXX XXXX XXXX XXXX XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.

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 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
In the XXXX transition to XXXX debacle, I was denied access to my XXXX statements and records. When I got onto my XXXX account, I was not able to access my records. I was not able to access my records on XXXX because I was n't sent a XXXX card. I assume if I never get a XXXX card, my XXXX records would be lost to me forever. 
Would that be legal? Can a credit card company deny me access to my records?

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 2021-10-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX I noticed several charges to my Wells Fargo XXXX  XXXX XXXX XXXX with a description of " ONLINE PAYMENT ''. For example a charge of {$52.00} was made on XXXX. I contacted the customer support team at ( XXXX ) XXXX on XXXX at XXXX XXXX  Eastern time to determine what had happened. 

The customer service rep advised that there was a bug in online banking and it was crediting online transfers from my checking accounts to my credit card multiple times in error. She believed the bug had been fixed and the corrections had all posted. 

Later that day more corrections began appearing some with transaction dates going back six weeks before the posting date. For example a " BANK ADJUSTMENT '' of {$87.00} posted on XXXX with a transaction date of 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 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was a victim of TransUnion 's " inquiry issue '' when they deleted all of my credit inquiries from my report and then - without proper notice and a disregard to legal procedure - simply re-added them all back on to my report without my knowledge. 

I called TransUnion and the overseas operator blew me off and told me there is nothing that they could do. 

I demand that the inquiries be removed as they had previously been. 

The inquiries are : XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because transunion has ignored my request to provided me with the documents that their company has fine that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not veofly these accounts under section 611 ( 5 ) ( A ) of the FCRA thery are required to promptly delete all information which can not be verified * that ihave disputed please resolve ths manner as soon as possible 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 2020-12-29
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware of this collection account once I applied for a new mortgage due to the impending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
In regards to Experian, I disputed unauthorized hard inquiries that was sent via Certified Mail and Return Receipt on XX/XX/2016. On XX/XX/2016, the letter was delivered and signed for but to date, no response from Experian.

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 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XX/XX/2016. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX XXXX and Transunion are the violating companies.

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