BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-11-11
Company: EQUIFAX, INC.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am very disappointed at Bank of America. 
Bank of America CLOSED my Checking Account that had a POSITIVE BALANCE of over {$200000.00}!! I am also a PREFERRED REWARDS PLATINUM/DIAMOND customer!! 

We called and after between transferred 4 times and escalated to a XXXX, we finally got our answer. 

The STATED REASON from the XXXX is because they PERIODICALLY REQUEST customers to ensure their CONTACT INFORMATION is updated. However, I do not reside in the US so did not receive phone calls from them. I logged into my Bank of America online portal from my XXXX at least once a week and NO SUCH REQUEST ever showed up on BofA 's MOBILE BANKING APP. 

I asked BofA that since this is SUCH A MINOR ISSUE and i am confirming all MY INFORMATION is UP TO DAY, if they can RE-OPEN my account BofA says they CAN NOT RE-OPEN my account and REQUEST me to OPEN a BRAND NEW ACCOUNT if i want to keep my banking. 

I find this very odd and suspicious that they can not reopen my bank account and the only way to resolve this is to open a brand new bank account?????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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 appreciate your time to correct some of the erroneous accounts in my credit file ; however there are still many accounts that need to be corrected and updated. 

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 2023-01-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Credit Karma, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I had applied to various pre-approved credit cards on credit Karma and was denied on all of them which resulted in me get a low credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: PNC Bank N.A.
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:
I have called multiple times and even went into the local branch. This bank not only closed my account but they also did not address my problems with fraud. I am a victim. someone used my card to make fraudulent charges and I notified them multiple times. This account is in direct violation with the 15 U.S CODE 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2023-06-28
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:
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. 

Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 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 Any other adverse item of information, other than records of convictions 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 2023-06-15
Company: ENCORE CAPITAL GROUP 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:
In accordance with the fair credit Reporting act XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$10.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$690.00} Status Open. 

FCRA violations : inquires not mine XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, XXXX XXXXXXXX FCRA violations : not my names 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 2023-06-15
Company: Experian Information Solutions Inc.
State: CA
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 previously reported that XXXX XXXX XXXX was refusing arbitration as per the terms of the lease contract to resolve a dispute. Now they have reported to XXXX that I am delinquent on my bill negatively affecting my credit score. Arbitration was contractually the path to go forward and they are refusing and now filing innaccurate credit reports. I see CFPB fined XXXX last year for doing these kinds of things. I would PLEASE like CFPB to intervene. I am happy to abide by the outcome of arbitration as that is the point of arbitration. XXXX made me sign that this this is what we would do in the case of dispute. They need to live by their own terms. I have requested arbitration repeatedly on the phone and with two registered letters. They ignore the request.

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 2023-06-15
Company: Bread Financial Holdings, Inc.
State: MS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase and never received the items. The company I purchased from sent an email asking the credit card company to request the money back and the credit card company has been refusing to submit this request to get the money back and are trying to hold me liable and make me pay for products I never received. I have been contacting them continuously and they refuse to resolve the issue on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Arizona XXXX XXXX ( XXXX XXXX ) {$510.00} closed XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} closed XXXX XXXX XXXX XXXX XXXX XXXX ( paid in full ) XXXX XXXX XXXX XXXXXXXX ( paid in full ) 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 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 Any other adverse item of information, other than records of convictions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A client was approved for financial assistance through the XXXX XXXXXXXX for Homeowners ( HAF ) program. On XX/XX/2022, the state disbursed XXXX to Mr. Cooper to make the client current on his mortgage payments. As of today, Mr. Cooper has not posted the payment. The client has contacted Mr. Cooper several times and has gotten no resolution to this payment. Today, I had a phone conversation with a representative from Mr. Cooper who works in the loss mitigation department. He told me there is no record of any payment ever being sent and he would request an investigation, but they would need information from us first. Unfortunately, he didn't know what information would be needed, so he would get back to us. 
The payment that was sent by the state made the client current through XX/XX/2022. When he tried to make his XXXX payment, Mr. Cooper would not accept it, they now are requiring XXXX months of payments, not XXXX. This client is trying to recover financially from his XXXX experience and requiring XXXX payments instead of XXXX is making it harder for him to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am in the midst of a most unusual situation and have exhausted all options through the normal phone / department escalation channels. 

Background : - Opened a Citizens Bank online account XX/XX/23 and made initial deposit - Setup direct deposit and payroll withdrawal taken out of my paycheck and deposited to Citizens Fast forward .... 
- Around XX/XX/23 - I am no longer able to sign into my Citizens Mobile App- I call Citizens customer service and they tell me my account has been closed, they can not disclose the reason, and to look for a letter in the mail in 2 weeks I have a fantastic credit score and have never had any account closed ( particularly one where I am sending them money / deposits ), so I am at a loss what triggered this action by Citizens ( totally in the dark to this day ) More importantly though, I need your help finding where my deposited money is, and how I can withdraw it if Citizens has made a decision not to let me be an account holder with their institution. At this moment in time, the money is in complete limbo ( I am locked out of my Citizens Account and your phone representatives can do nothing to assist ). 

My initial deposited funds are being held hostage and no one I speak with at Citizens can do anything to help. Most insane thing I have ever encountered. 

Is there anything you can do here? 

Best Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
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: Account information incorrect

Complaint:
XXXX XXXX  inaccurately and reaging added 30day late payment to my account. Transunion, XXXX, and XXXX  has not deleted this account despite multiple inaccuracies with this debt collection agency.

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 2023-01-23
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Notice to Intent to Lexis Nexis, While viewing my consumer report and according to your previous respond, you obtained my NPI NON-Public Personal Information From XXXX a court database, you shared, disclosed, and SOLD my Non-Public Personal Information Attached to the Bankruptcy on my Consumer Report to the Consumer reporting agencies. As a reseller according to your previous respond, Congress, and FTC, my NPI ( Non-public personal information ) Personal identifiers which is Name, SSN, DOB should only be shared with my permission. Therefore, I have a right to privacy. Again, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process AND TRANSACTION, I was an uninformed consumer and FCRA laws were violated. That fact my privacy has been violated and this account being furnished, it is affecting my livelihood and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Last XX/XX/XXXX someone open a checking account at Bank of American without me knowing it. Then transfer {$500.00} from my checking account to the checking out they open. So they took the {$500.00} and send it to remittance. So I told XXXX and they did investigate and gave me back my money and I closed the account they opened

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : ( item/account/information ) XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$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 2023-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Deposited a check with Wells Fargo on XXXX Was told 4 business day hold. My money are not available yet, they now saying 10 business day hold. In the mean time, i have to use credit cards with interest rate because they are not releasing my funds.

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