BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The loan is a US DEPARTMENT OF EDUCATION LOAN FOR THE AMOUNT OF XXXX $ However it was opened XXXX XXXX which was a education loan. However I have tried disputing this loan and asking for a deletion of this account because I was not EVER in a college during this year. Somehow someone has gained access to my information and applied for a education loan in my name. I have not had any feedback about this account. This account is still opened and it is showing on my credit report. It has damage my credit report heavily. 

Im asking you guys do a thorough check and have this creditor remove this item please.

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account are not mines. I have disputed them over and over and have sent over FTC report to the credit bureau and notify them to remove this inquiry. Please follow the FCRa rules that states any improper information on my credit should be removed within XXXX  days immediately I am stating that it is not mind and I am also using legal law to show that it is not mines so please follow this law and remove these inquiries below. I will state each inquiry that needs to be removed. 





( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking  system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


XXXX LEASE ONLY NOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LEASE ONLY 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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 accounts below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2023-04-29
Company: Experian Information Solutions 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:
Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. 

An organization by the name of " XXXXXXXX XXXX XXXXXXXX '' made an inquiry on XXXX XXXX XXXX. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my experian account but it is concerning. 

That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the XXXX XXXX XXXX XXXX. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the XXXXXXXX XXXXXXXX XXXX XXXX. Download our app today. 
Download on the App Store, Get it on XXXXXXXX XXXX About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing XXXX XXXX. '' When I tried to call the number for XXXX XXXX, it asked me for the last four digits of my social security number so I hung up. 

When I looked at my credit file it appears that yesterday someone also tried to open a credit account with XXXX XXXX XXXXXXXX, also on XXXX XXXX XXXX That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on experian. 

I XXXX XXXX XXXXXXXX XXXX '' as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.

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 2023-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America has denied my claim against a company called XXXX. They offer a land acquisition course and the ability to submit and partner with them on residential development land acquisitions. The problem occurred when I went through the courses and researched and submitted a land deal and was finally told almost a month later after several inquiries with the company as to whether they had received and reviewed my submission that they don't do deals in California. When I signed up the company knew that I was in California. I have been in XXXX XXXX for over 20 years and don't take investments into furthering education courses lightly. I know that these investments in education can produce great results as far as a return on your investment by gaining valuable knowledge. However, to be casually told after little to no response during the month after the submission that they don't want to work with California deals was shocking and stressful. The course cost {$15000.00}. XXXXwo transactions, one for {$9900.00} on XX/XX/2022 and one for {$5000.00} on XX/XX/2022. 
BofA has a dispute dept that closes each day at XXXX EST. You are only allowed to fax in proof of your claim, which I did. You are not allowed to speak or email directly with the dispute department ever. You can only call a Customer Support number which then will send notes over to the dispute department. BofA said that they denied my claim because the company provided the services that I signed up for and they closed my claim twice and now have marked it as resolved. This is no where near solved and the company didn't provide the services that I signed up for. I have been a customer with BofA for over 30 years and there is no protection and very little investigation into this claim on my behalf by BofA. $ XXXX is not chump change. It's significant and my investment of time and money has been completely disregarded and dismissed very casually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: LA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX  
TO WHOM IT MAY CONCERN
I recently received a copy of my Experian credit report, 
and I noticed a late payment  posted on my credit report for the company below:
XXXX XXXX
ACCOUNT NUMBER XXXX
LATE PAYMENT DATE XXXX 
Your company is in clear violation of the law. Under 15 USC 1681b- Permissible 
purpose of consumer reports. The LAW CLEARLY STATES:
(A) In general
Subject to subsection (c) Any consumer reporting agency may furnish a 
consumer report under the following circumstances and no other:
(2) In accordance with the written instructions of the consumer to whom it 
relates.
I did not give any written or verbal consent to furnish this information on my report.
Furthermore, the fair credit reporting act 15 USC 1681 (2) (a) (i) exclusion from a 
consumer credit report clearly states
(A) EXCLUSIONS- Except as provided in a paragraph (3), the term consumer 
report does not include - 
(A) Subject to section 1681s-3 of this title, any - 
(I) Report containing information solely as to transactions or experiences 
between the consumer and the person making the report:
Reverse the above late payments from my consumer report, this agency is in 
violation of 15 USC section 1681
Failure to respond satisfactory with reversing of the above referenced account, 
and send out a free copy of my report after the changes have been made will 
result in legal actions being taken against your company, for which I will also be 
seeking $1,000 per violation for:
1. Defamation of character (per se)
2. Negligent Enablement of Identity Fraud
3. Fair Debt Collections Practices Act 15 USC S 1692g violations
4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliances616 Civil liability for willful noncompliance [15 USC S1681n]
Best Regards,

XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2023-08-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT COLLECTION SERV Original creditor : PROGRESSIVE Balance details XXXX XXXX paid off Balance {$140.00} Balance updated XX/XX/XXXX Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary 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 PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name CREDIT COLLECTION SERV Address XXXX XXXX XXXX XXXX, MA XXXX Phone number ( XXXX ) XXXX XXXX XXXX Code XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Round Up Ventures, L.P.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I sent a Complaint on XX/XX/XXXX regarding Lendly XXXX XXXX XXXX XXXX XXXX Bank XXXX The information that is on my XXXX account is listed as XXXX. Also the balances does match XXXX nor XXXX. On XXXX they have the Last date of activity as XX/XX/XXXX and the last payment date listed as XX/XX/XXXX. On XXXX they have the last date of activity as XX/XX/XXXX and the last payment is XX/XX/XXXX. My apologies for including XXXX in the matter but they are not listed on that account. If this account was charged-off/ written off I would like to receive a XXXX form from this bank to my home address since that would mean that they had to report to the IRS. This installment loan was being paid bi-weekly direct deposit from my job, Therefore this gave me the understanding that it was an online payday loan. They will not allow clients to make monthly payments like regular installment loans. They make u add their banking account information ( checking account & the amount to pay ) to your Employer payroll so they can receive payment via direct deposit. On XX/XX/XXXX I refinanced a loan with a balance of {$1200.00} and was making bi-weekly payments of {$73.00}. On XX/XX/XXXX was the last {$73.00} payment with a balance of {$1100.00}. On XX/XX/XXXX they transfer out the account with a balance of {$2400.00} ( principal ). For some reason they were still receiving payments of {$3.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX they wrote off the account reference code XXXX. I received a letter stating that the balance was {$1400.00} as of XX/XX/XXXX. My original loan was at an annual percentage rate of 98.60 % and I was to make 25 bi-weekly payments for {$1000.00}. I have received XXXX letters from Debt collectors requesting me to pay and I informed them to validate it, since then I have stopped mailing me. They will not place this in comments on my credit report as a dispute because I did not go through the credit bureau to get them to correct their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX  DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THIS IS A LIST OF FRAUD INQUIRIES XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX XXXX date XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation