BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Transworld, I am writing to formally notify you that your attempts to collect a debt from me are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account in question is beyond the statute of limitations, does not belong to me, and furthermore, there are discrepancies with the account information that you have provided. In addition, the last name associated with the account, XXXX, is incorrect. My last name is actually XXXX. 
Upon reviewing my credit report, I noticed that the account in question was allegedly opened on XX/XX/XXXX. However, the documentation that you have provided to me shows that the account statement dates back to XX/XX/XXXX to XX/XX/XXXX. This discrepancy constitutes a clear violation of the FCRA. 
As you are no doubt aware, the FCRA requires that all information on a credit report be accurate and up-to-date. This includes the date of account opening, the dates of any associated account statements, and the correct name of the debtor. Your continued attempts to collect this debt and the associated inaccurate information constitute a clear violation of these laws. 
I hereby request that you immediately cease all attempts to collect this debt and remove it from my account. Failure to do so may result in legal action to protect my rights under the FDCPA and FCRA. I urge you to take this matter seriously and act accordingly to avoid any unnecessary legal troubles. 
Please provide written confirmation that you have received this letter and that you have taken the appropriate steps to remove the debt, associated inaccurate information, and the incorrect name from my account. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Codes : Fair Debt Collection Practices Act : 15 USC 1692 et seq.

Fair Credit Reporting Act : 15 USC 1681 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: LA
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:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-02-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The data furnishers indicated that disputed accounts are accurate. However, they don't send any documentation to prove that the accounts are accurate. 

If they really validated the accounts, why is my credit report showing errors. Check the reasons for every accounts indicated in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXInquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXXXXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX  Balance {$950.00} XXXX XXXX XXXX XXXX {$2200.00} XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$4500.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions 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 have an account with XXXX that's for a Motor vehicle, experian and XXXX are showing conflicting days on when this account was open, according to the fcra your duty is furnishing information that is accurate and complete, and investigating consumer disputes about the accuracy of information you provide. 

this account is showing different open days which means the reporting is not accurate and the balance on this accurate isn't accurate or complete, I want this account removed form my credit report, I am putting both credit agencies on notice, I do intend to sue.

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 2023-08-04
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:
I opened the dispute with Bank of America regarding unauthorized zelle transactions on my accounts and recently i also dispute charges from merchants on paypal. After 2 days, BOFA comes back saying they denied the dispute! They basically didnt take this as seriously as it should be! I am desperate and upset because of zelle unauthorized transactions plus recent dispute that i did not receive my items i ordered it is obviously scam but BofA denied the claims! As i am being their client since XXXX  they should at least put on effort to be on my side not just denied the dispute!! 
They denied all my transactions that I dispute i asked them to help but they couldnt! 
Very bad business and the reps that took the claims were very impatient as well!

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-05-11
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I put down XXXX on a used XXXX XXXX XXXX from XXXX XXXX in XXXX wa in XX/XX/XXXX and its been in the shop since then for water and or oil pump tires and now the whole brake system is out and the warranty they gave doesnt cover any of it and that not including the engine problem its a bucket

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 2023-04-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: NCB Management Services Inc.
State: MD
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:
On my credit report my information was released to companies that i have not done any business with. I have not authorized or gave any written consent for any of my information to be released. This is a violation under, 15 U.S Code1681b. 
A collection account was opened in XX/XX/XXXX by NBC Management Services unlawfully, an account opened XX/XX/XXXX by U S Dept Of EDXXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am seeking your assistance in addressing an ongoing matter. Despite my attempts to address the issue privately with Capital One Auto Finance and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is evident that their conduct and actions may be characterized as morally questionable and indicative of acting in bad faith. 

To provide context, I entered into a credit agreement on XX/XX/2023, and have engaged in multiple discussions with various representatives regarding both a billing discrepancy and the absence of comprehensive disclosures. My prompt outreach to the company was driven by a genuine intention to rectify the situation. 

Over the course of this period, I have issued more than six notices and initiated numerous phone calls in pursuit of resolving this aforementioned discrepancy. Regrettably, the company in question has failed to offer any meaningful assistance, consistently disseminating inaccurate information concerning the status of the account. 

On XX/XX/2023, I communicated with XXXX XXXX, acting as the CEO of XXXX XXXX XXXX XXXX XXXX ( trustee ), in an effort to facilitate the updating of records. Unfortunately, my plea was met with silence. 

Recently, I received a credit alert notifying me that the account has been charged off. The deliberate nature of this action suggests a deliberate intent to cause harm and represents a breach of trust. 

My determination to pursue rightful redress is unwavering, as this situation fundamentally pertains to trust. I implore your expeditious intervention in assisting me with the resolution of this pressing matter. Your prompt attention to this issue is earnestly requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 2023-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 at XXXX, I authorized a cash withdraw of {$400.00} from an ATM at Citizens Bank at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX The transaction was completed and the fund was withdrew from my XXXX  XXXX Checking Account via my bank debit-card ( XXXX ) : ATM transfer receipt record # : XXXX SEQ # : XXXX XXXX Debit XXXX Total fund withdrew from my checking account : {$400.00} ( including {$3.00} service charge ). 

Unfortunately, because of a mechanical problem with the ATM dispenser, no cash was dispensed, and the display told me to cancel the transaction with the bank. I proceeded to speak with the Citizen bank manager who told me that its ATM are not operating correctly and that I should contact my own bank XXXX XXXX  XXXX XXXX  to dispute the transaction and to recoup the fund ( {$400.00} ). He further stated that he can neither help nor to provide a record of this failed transaction. 

Being dissatisfied with his response or the lack of it, I called the XXXX XXXX Police to file an incident-report of this issue. An XXXX, XXXX XXXX, was dispatched and created a case : XXXX of this dispute. 

I contacted my Bank, which responded by stating that it can not pursue my dispute as I had legally authorized this ATM transaction and must pursue the return of my funds ( {$400.00} ) through Citizen Bank which had withdraw the same amount from my checking account or to file a petition with the Courts. 

I have tried but am unable to reach any responsible person from Citizens Bank which is denying any obligation to address this dispute or to return my missing fund. Given no other recourse, I am filing a complaint through your Bureau in hope of resolving this issue without the need to pursue justice and missing funds through the legal due process. It seems that it is recurring issue with Citizen Bank and its multiple ATM machines. Perhaps, we can prevent further distress and losses to banking-consumers by auditing Citizens Banks ATM transaction-records and requiring them to take prompt action to return consumers funds in future disputes. 

I thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: JPMORGAN CHASE & CO.
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:
Was told that my account would show XXXX balance & stated paid in full if settled a debt a few years ago. Little worried as it shows on my record until 2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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: Personal information incorrect

Complaint:
There has been a lot of misuse of my consumer report due to fraud. I need to update my personal information to have an accurate credit report. This is not the selling of my name " XXXX XXXX '' " XXXX XXXX XXXX '', my name is ONLY spelt XXXX XXXX or XXXX XXXX XXXX. My phone number is not " XXXX, XXXX, XXXX '' my phone number is only XXXX. My address is NOT " 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 XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX. My employer is NOT " XXXX XXXX, XXXX, XXXX, XXXX XXXX ''. My employer is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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 submitted a ftc report fcra,609 forms to equifax which they have not taken care of correctly! 
Fraud accounts, inquiries I never obtained used or owed or even paid because they were never mine they have not taken off. 
XXXX XXXX needs to be removed completely I never had a collection And I never paid XXXX they are lying I do not have any account with them. Equifax deleted the collection account on XX/XX/XXXX and then put it back on my report. 4 days later! THAT IS ILLEGAL and I have grounds to sue equifax for doing that! 

It needs to be deleted. 

My inquiries are not authorized These I requested to be deleted as well and they did not. I didnt give permission or even contacted these people XXXX XXXX, XXXX XXXX XXXX XXXX  Names needing to be removed that dont even exist are not mine Also the address Address I sent in

Company response to consumer: Closed with explanation