BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ID XXXX XXXX - TRANSUNION FILE # XXXX - XXXX - Unknown MULTIPLE FAILED ATTEMPTS TO HAVE NEGATIVE INFORMATION AND OLD ADDRESS REMOVED FROM CREDIT AGENCIES Including multiple disputes and letters. 

XXXX XXXX XXXX XXXX Acct : XXXX XXXX - Sold to XXXX XXXX XXXX  - Acct : XXXXXXXX XXXX XXXX XXXX Acct : 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  To whom it may concern : In reference to 15 U.S. Code 1681 Law, Accurate and Fair Credit Reporting I am asking for removal of ALL NEGATIVE ACCOUNTS, LATE PAYMENTS AND OLD ADDRESSES. I HAVE MADE NUMEROUS ATTEMPTS REQUESTING THIS TO BE DONE BY ALL AGENCIES ( XXXX, XXXX, & TRANSUNION ) AND THEY HAVE NOT COMPLIED WITH MY REQUESTS. 

These negative accounts reported on my credit reports have been a hindrance on my life. I have made multiple attempts to have them removed from XXXX, TransUnion and XXXX. and I would appreciate if you would enforce any action needed to the 3 major credit reporting agencies to have these accounts removed. This is a defamation of my character and has resulted in a failed attempt to become a first time home buyer. 

I HAVE ATTACHED MY ACCOUNT NUMBERS FOR EACH AGENCY for reference. Also attached is a copy of my drivers license and a current bill to prove my identity. 
Thank you for your help, 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 2023-10-30
Company: WELLS FARGO & COMPANY
State: VT
Product: Credit 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:
Company sent wrong part for my range hood. Company refused to issue refund. Wells Fargo ( WF ) did not issue refund when I disputed charge.

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 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted on XX/XX/XXXX at XXXX ( Arizona XXXX ) by a company that stated they were representing Bank of America and were about to file in court to have me served for an outstanding debt from XXXX. They said they were moving to place a lien on my home and looking for XXXX $ in the case. I ended up settling for {$4000.00} do to the threat of being sued and having a lien placed against my home. I have DocuSign documents that say they are from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX. ( XXXX ) XXXX. They number that called me was ( XXXX ) XXXX and I was spoken to by a guy named XXXX XXXX after a XXXX A left a message on my phone saying : " This is XXXX A with process service dispatch. This call is to notify the residents at this location that this is our second and final attempt to deliver legal documents to a uh XXXX the property owner of the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. We have questions about that verified property address. Legal documents are due to be finalized and dispatched. A signature is required for proper service and delivery. If there is any information that is needed or the rescheduling of service, contact the issue in confirm that it's handling your case by dialing XXXX XXXX XXXX. Reference your case number XXXX dash XXXX. You've been notified. '' They even called my brother telling him they were going to file court summons to sue 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 explanation
Consumer complaint received 2023-07-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
According to 15 usc 1679a, no violation is to be committed, if so a rescinding of contract occurs. On XX/XX/XXXX I got a loan for a XXXX XXXX at the Toyota XXXX dealership which address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX phone number XXXX. I was to pay an installment loan of XXXX for 72 months if contract wasnt broken according to consumer law. During the first month of the term I read over my contract and noticed the fraudulent numbers on there. The sum of all charges, insurance, and no cash was given in hand for the loan.. They broke the good faith agreement. The sum of all charges wasnt in my car note, and the warranty on the vehicle. I sent a cease and desist letter but that wasnt honored. Constantly harassed to pay the debt but once violated a recision occurs and both parties status go back to what they were previously no contact. With that being said theres a XXXX dollar charge for each violation and I get to keep the property. Contract is voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: National Credit Systems,Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  - sent certified dispute letters and request of contract no response to certified letters. {$2500.00} XXXX, XXXX National credit systems- same issue as above, everytime I dispute it comes back as accurate I never had a account with either company. {$810.00} all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: DC
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 REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. 3 ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, EXPERIAN, XXXX and XXXX VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.

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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
ON XX/XX/2023 BANK OF AMERICA XXXX XXXX WENT INTO MY PERSONEL CHECKING ACCOUNT I HAVE WITH THE FINANCIAL INSTITUTION AND TOOK {$590.00} WITHOUT MY CONSENT OR PRIOR WARNING, FOR AN ALLEGED DEBT THE INSTITUTION CLAIMS I OWE. BANK OF AMERICA HAS NOT PROVIDED ME WITH MY WRITTEN CONSENT OR A COURT ORDER THAT ALLOWED OR GAVE THEM THE RIGHT TO INFRINGE ON MY LIVELIHOOD BY SEIZING FUNDS THAT WERE ALLOCATED TO PROVIDE FOR THE WELL BEING OF MY FAMILY AND HOUSEHOLD PURPOSES.

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 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear XXXX XXXX XXXX : Why does a Collection inquiry for {$1400.00} XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) appear on my credit report? I personally havent been to the hospital since XX/XX/XXXX the only time due to a car accident and my insurance pay for my bill. I believe that those bills were unlawful. I contacted the office of the Florida attorney general and I request that you send me the information that you collect on the time of service, copy of my social security and dated with my driver license and any other information that pertain for this account. 
Aren't you aware that you must enforce the permissible purpose? 
Provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

Sincerely, 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 explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NY
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Investigation took more than 30 days

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The creditor has reported that from XX/XX/XXXX through XX/XX/XXXX, my account payments were late or not made, which is false. The payments were all made and were on time each month. I have tried contacting the creditor and all three credit bureaus about the issue. Each time, they just report back that they can not change what my credit report says because the original report was accurate when in fact, it was inaccurate and is causing me not to be able to build my credit as quickly and efficiently now and is also causing me not to be able to get new credit with other 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
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have sent over all of the information requested, yet Transunion and XXXX have refused my identity information, and taken their time in supplying information to my previous requests- plural. As stated on this site, an FTC report may be used in place of a police report, I provided the statement that was needed, proper identification and everything necessary, yet, they had still gone beyond the number of days the law states they must answer to not only validate a debt but for fraud. They are required by law to delete what was requested, and the willingness to do so is them also perpetrating fraud, which will be handle with each violation. This a violation to my natural rights and they are well aware. They are part of the protection process for the consumer, yet seem to have more vested interest in those providing the fraudulent information, which makes them no better.

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 2023-10-31
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the XXXX of XX/XX/XXXX, I XXXX XXXX XXXX noticed a WELLS FARGO ACCOUNT # XXXX, OPENED ON XX/XX/XXXX FOR {$32000.00} which is Extremely ridiculous because at the time of the date stated the account was opened, I didn't own a vehicle and still to present day I am still without a vehicle. 

I mentioned to XXXX Wells Fargo XXXX that I'm a victim of identity theft and the Wells Fargo XXXX threaten me with calling the police on me if I didn't pay the debt owed. 

I have active XXXX POLICE REPORT ON FILE ALONG WITH FTC IDENTITY THEFT REPORT AND AFFIDAVIT that I've provided and still no 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 2021-02-11
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I applied for a loan with Amerisave to refinance an investment property. I paid my {$500.00} application fee and was told closing was taking longer, 60 days in most cases. After submitting all of the requested documents, my loan officer said they had all they needed and would proceed with the loan. Time moved on but I was aware it was taking longer to close loans due to the number of people applying. In follow-up emails and phone calls I was told everything was on track. There were problems with the Amerisave portal requesting the same documents I had already submitted and requesting I fill out multiple applications. The loan officer fixed those issues. Eventually I stopped hearing back from my loan officer even after sending multiple emails and phone calls. After calling the customer service line, I discovered my loan officer had changed. The new one assured me my loan was still headed in the right direction but I would have to submit all of my documents again! At this point it is XXXX and I am starting to worry about the 0.5 % government fee for refinancing. No one at Amerisave could tell me if I would be subject to that fee or not, only that we would close before then. XXXX comes around and I call customer service again since my loan officer is MIA. They get ahold of the loan officer who tells me I need an appraisal. Well I was told, and have in writing, that an appraisal would not be needed. I send him the e-mail from the first loan officer indicating an appraisal was not needed. I let the new loan officer know I am fine with an appraisal but wanted to know why one was now needed. He said the terms of the loan had changed but could not tell me how. I also told him I didnt see why I would pay {$500.00} for an appraisal when told in writing I didnt need one. He never got back to me. I again called customer service who put me in touch with the loan processor who again wanted me to submit the same documents I already had THREE times. She also said I needed an appraisal but could not tell me why or what loan terms had changed. She said she would talk to the loan officer and his manager to get it worked out. I sent her and the loan officer an email just to have a paper trail. Never heard back. Over the holidays I didnt worry about it. But come beginning of XXXX my loan application has been denined for incomplete information and credit denial. I have an XXXX credit score and I had provided all the documents multiple times! No one contacted me that yet more information was needed nor to follow up with me on why and how the loan terms changed. I feel Amerisave is running a bait and switch. They get people to apply, eagerly take their money, but then dont do anything with the loan or change the terms without explanation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Reporting company used your report improperly

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 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 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. TRANSUNION has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.

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 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, TN CHILD SUP : # 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 an 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 2019-06-25
Company: JPMORGAN CHASE & CO.
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:
To Whom It May Concern, In XXXX of XXXX, there were some fraudulent activities with my XXXX   account, resulting in me having to close the account. The account that was close is the account that I use to pay all my bills online and direct deposit. In XX/XX/XXXX I personally contacted Chase card services and updated my new information and I was reassured that everything is going to be ok moving forward. Fast forward to XXXX, y XXXX XXXX I contacted Chase card services to check on my rewards. The Chase representative informed me that my account is two months behind. I was surprised since I know I had set up a direct deposit. The representative informed me that she is taken care of everything and I should make a payment {$100.00} by XX/XX/XXXX. A payment of {$150.00} was scheduled for XX/XX/XXXX just to ensure everything is ok. A few days later Chase closes my account dropping my credit score over XXXX points. I was devastated and still is because I did everything that was required of me, I even contacted Chase with my updated back information. Now I am trying to buy my first home and kept getting denied grants because my credit score had dropped so low I am not eligible. I went above and beyond to resolve this issue. Chase is refusing to accept responsibility for what happened.

Company response to consumer: Closed with explanation