BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Business failed during CoViD. B of A transferred a Business credit card to personal liability. Garnished joint bank accounts. Failed to answer any complaint made to CFPD XXXX that you closed. They never provided you with their response. They did not disclose truthful statements to further their case. They provided non related paperwork. They appear to have created a welcome to this business credit card years after its actual inception. They have enriched the original debt I believe via fraudulent practice

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 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2021-09-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Received a text message from XXXX ( XXXX ) XXXX with the message 1ALERTS : Dear Fifth Third Member, we have received a XXXX Transfer request of XXXX $ to ( XXXX XXXX ). Not done by you? Review https : XXXX. I do not have a fifth third account so this is obviously falsified and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company TARGET/TD XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 explanation
Consumer complaint received 2023-07-18
Company: Westlake Services, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023 my personal information was used to open a personal loan on the amount of XXXX I already reported the account with the police department and also the bank but the account is still under my name and I am still held responsible to pay for the loan, I am going to my third payment and I need help to get this account close and get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. 
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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been brought to my attention that the following accounts have been in my credit report without my express written permission as required as part of credit reporting act 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 2023-04-12
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2021-08-14
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt that this company has sent to collections was paid by my insurance company ( XXXX ). Below is a letter I am sending to them detailing the actions I am taking. I have contacted them dozens of times with no resolution. They have sent my account to collections and have refused to retract it. I am at my wits end and will be initiating legal action if they persist in tearing up my credit. 

XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL. XXXX RE : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim that I owe {$1900.00} for dates of service XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have spoke with your agents several times about this issue. XXXX has claimed that they have paid these accounts in full. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation : that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I do not owe, is a violation of the FCRA & FDCPA : therefore if you can not validate this debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for Defamation Violation of the Fail Debt Collection Practices Act ( Including but not limited to section 807 8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623 b ) Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
We were made aware in XXXX that we were paying personal mortgage insurance on our FHA loan. At this time, we requested the information from Carrington Mortgage to cancel the PMI insurance. They were requested us to fax over a request for removal, and we're ensured that it would be taken care of. Fast forward to XXXX of this year, we were working on refinancing our home, we again found out that we are still paying the personal mortgage insurance after having sent a fax to request removal in XXXX. As of this month of XXXX, we are still continuing to pay that PMI insurance after again sending a fax to them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit with the fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
i have a personel loan with a company based out of texas called XXXX XXXX and have had some difficulty paying the loan back .they have recently started calling my father asking him to remind me to call them. the issue is that i never gave them any of my fathers info or any family members phone numbers. how did they get this info and what a terrible thing to have your father call you XXXX out that you are in financial trouble .what can i do i have no way of paying this back right now they actully told me today they wont call him but they have ways of tracking and fishing up information on all my family and that they sudjested borrowing the money to pay them back or go to the local pawn broker and evaluate what i can look at to raise the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: CORELOGIC INC
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Received credit reports. 

Contact us evenings XXXX XXXX MT. 

Require letters of deletion from XXXX XXXX. 
Credco excessive in 2020 timeframe XXXX or more. Causing us 2 % plus points on home loans through XXXX XXXX XXXX 

Unauthorized inquiry by CredcoXXXX. 

Caused us to end with XXXX XXXXCredco . 

No contact from this company for XXXX card/account never requested. Phone tag only/lack of response exists. 

Hard inquiries causing us losses in credit approvals. 


My name should only appear as XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Apartment Complex Is correct. 

XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX is correct XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX is correct. 

Cellphone XXXX is correct Requesting fraud alerts on our SSNs. 

In my SSN. inquiries from XXXX XXXX and XXXX XXXX are certainly Fraud ID related. Excessive. Letters of deletion requested. 

XXXX XXXX Potentially Negative. Exists. Fraud related likely. Not a holder during time frame. Letter of deletion. 

XXXX letter of deletion requested. No knowledge of this company. Likely fraud related. 

No knowledge of XXXX XXXX inquiries. Letters of deletion. Likely fraud related. 

Massive duplication of Name, misspelling of addresses, exists. Fraud protection from FTC was requested previously. 

Thank you for your assistance. 

Respectfully, 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 2023-07-19
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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. 

PLEASE SEE ATTACHED LETTERS.

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 2023-12-28
Company: VYSTAR CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 

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 explanation
Consumer complaint received 2023-05-06
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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXXXXXX XXXX XXXX  {$26000.00} XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX XXXX XXXX1600.00}

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 2022-08-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per 15 USC 1681G ( A ) 1, 15 USC 1681A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : MY RIGHTS HAVE BEEN VIOLATED AND IGNORED! 


I want this auto loan deleted from my credit report immediately. I have asked for about 1 year now for it to be removed. This is does not belong to me. It is fraud. XXXX XXXX has yet to provide verification of this alleged debt. I have requested every document they have with my name and social security number attached to be sent to me and they refuse. They have violated my privacy by sharing my personal information with other agencies without my consent, they have damaged my employment and other opportunities to extend credit, committed identity theft against me and did not provide information on how to opt out of third party sharing of my private information. This is a violation of my consumer rights. 

Delete and never repost this account on my consumer reports ever : XXXX XXXX Do not claim this is not me. I have sent my id attached as well. That is a stall tactic that you use.

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