BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
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: 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.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: PA
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'm writing this on my own - stop assuming it's a 3rd party. 
This AGENCY is violating my privacy and rights and have continued to do so despite me pointing out in the last 3 letters that they have INACCURATE data in my report which MUST be deleted in accordance with the FCRA. In addition to information being inaccurate, a proper investigation has not always been performed because at times, the status of the accounts in question NEVER changed after the 30 days they take to investigate. I am giving you directions to avoid litigation to delete the 2 accounts in question based on the inaccurate data I pointed out to your company in the last 3 letters. Attached is the last letter in which you can see the additional inaccurate information for the accounts in question.

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 2023-07-16
Company: EQUIFAX, INC.
State: MS
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Harley Davidson Financial Services Inc
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked Harley Davidson many times to stop calling me, they refuse and say that I have to send a certified letter to their attorney to make the calls stop. 

They call 5 times a day every day, which I believe violates the law because they are not supposed to call me more than 7 times over a 7 day period. 

In the past 4 days there is a total of 22 calls from them. They call at XXXX on Saturday and wake me up, i've asked them to stop. 

They call on different numbers. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions 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 account showing {$0.00} balance but is showing on my report as charged off/unpaid. There is no such thing as a {$0.00} balance. The balance is inaccurate as well as the date of account 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 explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2021-09-25
Company: Experian Information Solutions 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:
1.XXXX XXXX XXXX XXXX-date open XXXX XXXX, account # XXXX, amount {$210.00} 2.XXXX account resolution-account # XXXX, date open XXXX XXXX, amount XXXX 3.XXXX XXXX XXXX XXXX-account # XXXX, date open XX/XX/XXXX  , amount- {$3000.00} 4.XXXX XXXX XXXX- account, date open XXXX, account number XXXX, amount {$1200.00} 5.XXXX XXXX XXXX XXXX, date open XXXX, account number XXXX, amount {$240.00} 6.XXXX XXXX XXXX XXXX , date open XXXX, account XXXX, amount {$860.00} 7.XXXX XXXX XXXX date open XXXX , account XXXX XXXX 8.XXXX XXXX, date open XXXX, account number XXXX, amount {$3000.00} 9.XXXX Account, date open XXXX, account number XXXX, amount {$3000.00} 10.XXXX, date open XXXX, account number XXXX, amount {$860.00} 11.XXXX, date open XXXX, account number XXXX, amount {$980.00} XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX  XXXX ; Inquiry date XXXX XXXX  ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX INQUIRY ; Inquiry date XXXX XXXX ; XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX  ; Inquiry date XX/XX/XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date ; XXXX XXXX ; Inquirydate XXXX XXXX ' XXXX  XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date 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 2018-04-23
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
I had a collection ( original creditor was XXXX XXXX XXXX  ), and it was sold to XXXX XXXX in the amount of {$350.00}. XXXX XXXX hired a law firm to collect the debt in the amount of  {$350.00} ( XXXX XXXX XXXX XXXX XXXX, XXXX ) in XXXX, MA. On XX/XX/XXXX, I contacted XXXX, XXXX XXXX XXXX and Paid the {$350.00} and they sent me a letter showing that my obligation was satisfied in full. They told me to contact XXXX  XXXX in two weeks which would be the amount of time for my check to clear and for them to receive the release. Before calling Midland I signed onto my account to see if the payment had been received and it was ( they showed the {$350.00} broken down into three $ amounts ), only now they showed a new balance of {$190.00}. I called and was told that this would be adjusted and it could take up to 30 days. 
Today, I received notice from XXXX that there was a collection change on my credit report and it shows that my total collections was decreased from {$350.00} to {$190.00}. 
The total was always {$350.00}, I never received anything advising me it was more than that. I have no idea what the additional {$190.00} is for. I would like this changed to paid in full and it's my understanding that they would remove the collection from all three credit reporting agencies. 




Account information Original Creditor XXXX XXXX XXXX, XXXX. 


Merchant or Service provider - Original Account Number XXXX Your Account Manager - PAYMENT SUMMARY2 DATE PAYMENT XX/XX/XXXX {$260.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$85.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 and TransUnion 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 account 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 : XXXX XXXX Balance : {$29000.00}, ( Advised to include in Regular Letter ) XXXX XXXX XXXX Balance : {$3000.00},

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 2022-05-03
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:
I am submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the XXXX Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my account since XX/XX/XXXX when Bank of America placed my account in closure status. I have called at least 40 times, gone into a branch at the direction of the risk department to withdraw my money and was unsuccessful. 

As of XX/XX/XXXX, Bank of America informed me that they were no longer closing my account due to an error made regarding fraud that was not fraud. I was told my account would update overnight and my money would be available the next day XX/XX/XXXX. 

Now on XX/XX/XXXX I call and I'm told Risk isn't the right department, I get transferred to a supervisor who hangs up on me and doesn't attempt a call back. Upon calling back into the Risk department I'm told that they do see the notes and it could take 24 to 48 hours for me to receive the update and gain access to my account and money. Well, it's been 72 hours since that time and nothing. Additionally this has been ongoing withholding my money from me for almost two full  months.

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 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I CONTACTED CAPITOL 1 CREDIT SERVICES IN REGARDS TO REDUCING OR REMOVING HIGH INTEREST RATE COST DUE TO DELAYS IN WORK DURING COVID AND REDUCTION OF INCOME. THEY DENIED ASSISTANCE WITH MY REQUEST WHICH HAS CAUSED DELAYS AND LATE CHARGES BEEING ADDED. DUE TO INCREASES MY MONTLY PAYMENTS ARE EXTREMLY HIGH AND MOSTLY GOING TWARDS INTEREST AND NOT THE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recent reports furnished on my credit report by XXXX XXXX. I have sent letters of notice to the company to stop communication with me and they still have not follow federal regulations nor my rights I invoked to op out of their system of sales, recipes for sales, information trading and such. It is stated by law that any inaccurate information on my account is required to be investigated. I have sent multiple complaints about this company XXXX and deceptive tactics and now Im putting you all on notice at the same time. Here proof of my claim. Im not sure if these companies are properly investigating these reports or not. But the CFPB recently released a article proving that these companies has not handled consumer disputes because proper investigation was not conducted.

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 2023-07-12
Company: EQUIFAX, 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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:
In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive identified information and accounts on my personal credit. these accounts and transaction were not made by 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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. I will seek monetary compensation if this isnt handled

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 2019-09-23
Company: AMCOL Systems, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX reported a false balance on an account. XXXX never made contact saying there was any debt owed. Collection agency said they were the third company to receive the debt but we never received anything from the first two companies. I wrote them a letter and explained it to them they did not care first two people I spoke with were absolutely RUDE! The last one was very nice. This collection dropped my score XXXX points and I wasnt aware until one month before about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with Experian. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with Experian right now through the experian.com/viewreport website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.

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 2019-09-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers ****XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

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