BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : - ; XXXX  XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
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: Reporting company used your report improperly

Complaint:
Transunion are in violation of act s 611 5 b of the fcra I have 5 inquiries on my report that is not suppose to be there XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX these are not suppose to be on my credit report as I only have a XXXX XXXX and I have no hard inquiries on my other credit reports from credit bureaus but my XXXX XXXX transunion customer service would not help and take care of the negative inquiries reporting to my credit report.

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 2020-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
USAA steals merchants credits claiming 2 credits on one purchase All Adjustment Purchases are INTERNAL and never appliied NOTE TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$910.00} And {$2600.00} Other credits that did not apply. USAA uses the appearance of credits by listing them however they are not part of the TOTAL CREDITS Consumers are tricked into thinking USAA credited and Merchant credited also so credit reversal valid BUT these do not credit So then USAA STEALS MERCHANTS CREDITS AS REVERSALS Leaving consumers back with fraud and a new charge not owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, 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:
RE : Equifax  ; XXXX, XXXX  ; Account # XXXX Per the FCRA, as a federally protected consumer I have never received notice nor any disclosure to opt out per 15 USC 6802. 

Also, as a federally protected consumer I have never received any disclosure on Equifax, XXXX nor XXXX  privacy policy disclosing of the sharing of any private and personal information per 15 USC 6803. 

Furthermore, Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you whether written, unwritten, verbal, and non-verbal per the rule making of 15 USC 6804 and the enforcement per 15 USC 6805. 

Per the privacy act of 1974, the financial institution XXXX  violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. I am demanding that each party included in this letter provide proof of this authorization to have and share my information. The credit agencies keep stating the bank gave them authorization to have information, but my institution says they dont give it to non-affiliates. 

Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed reflect all payments made on time to be accurate. Per the FCRA a report containing information between a consumer and the person making the report is excluded per 15 USC 1681a ( 2 ) ( A ) ( i ) I am seeking compensation for these violations and damage that has caused me great hardship in life and for the account to be updated as paid as agreed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$4900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, and I demand their prompt deletion. The inclusion of these unauthorized entries severely impacts my creditworthiness and tarnishes my financial reputation. I expect your immediate and unwavering cooperation in rectifying this matter. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I have recently reviewed my credit report obtained from your bureau and was appalled to discover several accounts that I can confirm are fraudulent and unauthorized. The information associated with these accounts is inaccurate and has been damaging my credit score, causing me significant distress. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally disputing the validity of these accounts and demand their immediate removal from my credit report. It is imperative that you conduct a thorough investigation into these matters and rectify the inaccuracies promptly. Failing to do so within the legally mandated time frame will leave me with no choice but to pursue legal action against your bureau for negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation, including a police report and any other relevant evidence, to substantiate my claim of fraudulent activity. I trust that you will take this matter seriously and act swiftly to rectify the inaccuracies on my credit report. 

I expect a written response within 30 days, confirming the removal of the fraudulent accounts and providing an updated and accurate credit report. Failure to comply will leave me with no option but to escalate this matter to the appropriate regulatory authorities.

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 2023-12-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee 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 XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe is erroneous. Despite my initial contact, I have not received any response or resolution from TransUnion. The following are the details of the disputed accounts and the required corrections : 1. Account Name : COLLECTION Date Opened : XX/XX/XXXX Balance : {$3700.00} Original Creditor : COLLECTION 2. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} 3. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Original Creditor : COLLECTION 4. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : COLLECTION 5. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} 6. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} 7. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} 8. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} I firmly assert that the accounts mentioned above are not mine, and their presence on my credit report is incorrect and unjust. I dispute the accuracy of the reported balances and past due amounts, especially for accounts that are closed and charged-off. These inaccuracies have adversely affected my credit score and financial reputation, causing significant prejudice to my creditworthiness.

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 2018-04-12
Company: Experian Information Solutions Inc.
State: VA
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:
Experian is reporting incorrectly my balance on my XXXX XXXX XXXX XXXX Vehicle loan. I have provided a snap shot of what is currently being reported. Current loan amount of {$9200.00} is incorrect and needs to be {$9000.00} as the other two bureaus are accurately reporting.

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 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have maintained a Bank of America credit card since XXXX and they have always mailed me a statement of my account by US mail when I used the card. On XX/XX/XXXX, I charged the amount of {$17.00} on the card. On XX/XX/XXXX, I received a notice from my bank that my credit report reflected a late payment. After researching this " delinquent payment notification '', I discovered that there was an unpaid balance on my Bank of America credit card. This notification also dropped my credit score from XXXX to XXXX. I never receive a billing statement from Bank of America in the mail for this charge. When I called Bank of America about this unpaid balance they told me the statement was emailed to an old email account that I don't regularly check. Without my knowledge, or consent, they changed my account to " paperless billing ''. I have since paid 100 % of the balance ( including interest ). I also called them to have them retract the delinquent payment notification to the credit agencies and they have denied my requests.

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 2019-06-30
Company: Morgan & Associates, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Your Company BRCLYSBANKDE is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

BRCLYSBANKDE 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 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 on XX/XX/19 showed up on Inquiries in which I did not apply for any new credit or request any credit increase. I did not authorize any credit request.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 FCRA XXXX XXXX bank XXXX and XXXX has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy furthermore 15 USC 1681 section 604a 2 call also states, a consumer reporting agency can not furnish an account without my written instructions. Oh, lastly, under 15 USC 1666B and creditor may not treat a payment on a credit card account on an open-ended consumer plan as late and 15 USC 6802 obligation with respect to disclosure of personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo Bank. Happened twice with checking accounts that the bank automatically closes and charges fees, etc. Holds on checking accounts and overdraft fees and monthly fees, etc.

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 2023-03-13
Company: MOHELA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was notified XX/XX/XXXX about my server loan company Mohela will be notified about the case resolved with sweets vs Cardona This means my student loans will be deleted per my school-involved XXXX XXXX XXXX and that I will no longer have to make payments to the loan server to where my account was transferred from XXXX most recently. Mohela as the new server will remove all debts owed and shown on file to notify all credit bureaus about the news from the case mentioned above to remove such notices and amounts shown on my credit report. Therefore, once the cr bureau is notified my score is to increase as it never did before with the existing student loans on file. I never owed this outrageous amount. Charges in interest by DEPT OF EDU. My father had died as a militant man and I had a parent loan which he paid. Someone changed my student loan to a single loan from a parent loan and I learned that you can not do such a thing to any student. Besides that, the school XXXX convinced me and other students ( while other schools are involved ) that I/we will make over a certain amount like XXXX working in our graduate field. Bigotry was also a part of the school 's lack of integrity and advertising to gain loyalty. Upon my father 's death, he made sure my loans were paid in advance. The school then charged erroneous payments for out-of-state fees and dorm fees, which I was in a state with a driver 's license and address in Georgia where I lived in and out of the dorm but merely, but I was overcharged at XXXX a year for XXXX yrs when my father had paid the bill before me graduating. Nevertheless, I completed the XXXX Borrowers defense application in XX/XX/XXXX ordered by President Biden. This announcement also affected the sweets vs Cardona case win and resolution on XX/XX/XXXX! I also mailed you a letter from dept of Edu! And called you last 2 weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: WELLS FARGO & COMPANY
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2022, Wells Fargo received my payoff for a personal loan. There was a {$740.00} overage after payoff. They waited two weeks to procees it and another two weeks to mail it out.I haven't recieved it yet. I have called two times and my local Wells Fargo banker has called once. We both were given the exact same answer : it was mailed yesterday and it will be there in 7 to 10 days. I understand that they are understaffed, but I feel their personal loan department has zero integrity and will tell you whatever they have to to get you off the line.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I do not agree with the reporting of this collection agency. They claim to have sent a verification letter but have not. Also, they claim the date of opening to be 2019 which is not accurate as I did not have XXXX  in 2019. I would like this claim to be investigated thoroughly and for this debt to be verified with the credit bureau as the credit bureaus has never verified this debt. I deny any type of ownership towards this as well as the statue of limitations that a debt can be reported.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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