BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I noticed I had several inquires from XXXX and was told they can not be removed because they are tied to an open account. Im not sure how that is possible because the account they are saying its attached to was not opened until XXXX with XXXX which it shows that on my report. Ive tried calling all 3 bureaus but only XXXX removed them. TransUnion and XXXX are telling me to call each company and have them remove it and Ive called all companys only to be told I need to call TransUnion and 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 2022-07-04
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XX/XX/XXXXaccounts, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/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 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was just made aware that my bank, Bank of America, was ordered by CFPB to pay customers in Florida for systematically double-dipping on fees etc. my account. I have had an checking, savings, credit card and loan accounts with Bank of XXXX for over 20 years. 
According to recent document " customers don't need to take action to receive a payment as the burden is on the bank to either put funds back in consumer accounts or send a check. 

I have NOT received any funds back from Bank of America. 

HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is about inaccurate information on my Equifax credit report. I have contacted this company many times to correct or delete information on my credit report that is inaccurate or incorrect. Approximate dates are XX/XX/XXXX  thorough XX/XX/. The company tells me that I am unable to dispute information or the information comes back verified. My employment history reflects companies I have never worked for, I have accounts that I do not recognize and accounts with inaccurate payment history. My information was breached due to negligence of the same company. Due to the breach of information and incorrect information on my credit report I request the information be corrected accurately or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with rewards from credit card

Complaint:
B of A Cash Rewards Program I received a Credit Card from BofA in XX/XX/2022 which offered a {$200.00} refund on purchases if I charged {$1000.00} within 90 days - I called Customer service in XXXX to ask when I had to meet the {$1000.00} thresh hold and I was told since I hadn't used the card up to that point, I would have until XX/XX/XXXX to receive the {$200.00}. I called in XXXX and asked again when I would need to meet the {$1000.00} threshold and I was told again 'that I would have until the ed of XXXX. I called on XX/XX/XXXX and I was told the {$200.00} credit would be applied at the end of XXXX. 

I called XX/XX/XXXX and asked why the $ XXXX t had not been applied to my bill as promised, and was told that an extension had not been granted. In XXXX I called and ask for a Customer Service Supervisor and was told the same thing even though I had again gone through the scenarios of what I was promised. On XX/XX/XXXX I received a form letter stating I did not meet the requirement to spend {$1000.00} within 90 days, which I would have done had I been told in XXXX and XXXX that was what I needed to do. 
I feel this was a " bait and switch '' situation and see that BofA has been sued for doing this to other consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX act XXXX XXXX Account 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Credit Reporting act XXXX XXXX Account 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed today for no reason given. I had over {$400.00} in the account and its for my rent which is due this Saturday! I am going to get an eviction notice due to them closing my account so sudden and without reason. The email said a check will be mailed 30 days from today but I HAVE RENT TO PAY THIS WEEK!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 2022-09-26
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am registering a complaint against Specialized Loan Servicing ( XXXX ) who processes my home mortgage payment. I have had difficulty with XXXX since they took over my loan payments after the Department of Justice settlement following the housing crash in XXXX. That can be discussed at a later date, I am discussing my current dispute. 
Approximately 8 years ago XXXX started collecting less in escrow that they paid out. Approximately XXXX years ago XXXX exhausted their exceptionally high escrow reserves. Three years ago, XXXX finally discovered their error. Demands for over {$8000.00} ensued. I reached an agreement with SLS to raise my payment by almost XXXX XXXX  XXXX  foXXXX three  years to payback their mismanaged shortfall. 
In XXXX of this year I have paid back the deficit and when my payment is reduced {$200.00}, XXXX will collect as much as they pay out. 
This is where the dispute arises. XXXX manipulated the payback schedule to reach zero deficit and equilibrium on XX/XX/XXXX, knowing that in XXXX my annual homeowners insurance is paid and in XXXX half my property tax is paid. At the end of XXXX XXXX will have a {$4300.00} deficit and they want that amount in reserves for the life of my loan. That is triple the amount allowed by law. ( {$1400.00} ) I begrudgingly accepted the {$4300.00} amount and proposed a four-year repayment schedule. XXXX denied my request, essentially saying they waited long enough for their money. 
Is there anything you can do for me? Money is tight right now and I planned on my monthly house payment dropping {$200.00} sometime this fall.

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 2022-09-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the deletion of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts DELETED XXXX : XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to formally dispute accounts which has been reported by XXXX XXXX and XXXX XXXX XXXX to consumer reporting agencies. This dispute is rooted in the evident violations of the following sections of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681e ( b ). The FCRA, under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), expressly defines that a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded from the consumer report. Despite this unequivocal provision, it has come to my attention that the accounts has been reported in my consumer credit report by XXXX XXXX  and XXXX XXXX XXXX. Please view attached documents along with this compliant. Proper Identification is included and attached with this complaint also. I demand a prompt response and notification of the accounts being deleted across all consumer reporting agencies reporting this adverse information.

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 2023-11-25
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block of information due to identity theft Dear APPLE CARD/GS BANK USA Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : APPLE CARD/GS BANK USA Account XXXX : {$8400.00} Account Number : XXXX Your company has XXXX business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
Hello. My name is XXXX XXXX. I was shocked when I reviewed my credit report and was saddened to learn that you somehow verified the disputed item 's below, electing to leave them on my report. These are accounts that is not mine and I have no knowledge of these accounts. 

The unverified items listed below 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22
Company: EQUIFAX, INC.
State: TX
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 have already disputed these items but the bureaus did not remove them, nor prove validation. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 1987, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to dealership to get funded for a car and they ran my credit too often. I was wondering if you can remove these inquiries.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I sent in letters regarding inaccurate and unknown things on my credit report on XX/XX/2023. To this day, almost 60 days later, I have not received a response yet. My information was included in the XXXX XXXX XXXX. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. According to 15 U.S Code 1681s-2, 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. According to the law, a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2023-09-16
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/XXXX CFPB - WELLS FARGO XX/XX/XXXX ORDER : RE : Wrongful Foreclosure XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Dear Sir or Ma'am ; Today at XXXX hours I phoned Wells Fargo XXXX & spoke with XXXX. The bank could NOT confirm that I am included in the settlement, does NOT have a list of affected customers to add me too, has NO email I can send this to, and claims it is reviewing all customers are being reviewed and if included a letter will be sent, but they have NO expected end date for this? 

This is unacceptable! 

My home at : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. 
Was wrongfully foreclosed by Wells Fargo on XX/XX/XXXX which is in the period mentioned in the XX/XX/XXXX CFPB XXXX, XXXX XXXX. XXXX l. 

Enclosed : XXXX ) Deed of trust # XXXX, XX/XX/XXXX. 
XXXX ) Deed of Reconveyance # XXXX, XX/XX/XXXX. Wrongful Foreclosure XXXX XXXX ORDER. 
See https : XXXX XXXX ) Trustee deed of trust # XXXX, XXXX. 

Please ensure I get my share of the {>= $1,000,000} for home owners. 

Thanks, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA 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 2023-11-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records. ''

Company response to consumer: Closed with explanation