BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXXXXXX : # XXXX, Account name : XXXX XXXX XXXX. # XXXX Account name : XXXX XXXX. # XXXX, Account name : XXXX XXXX # 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.

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 2022-06-04
Company: BMW Financial Services NA, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
BMW Financial has shared my personal and private information with several third parties, including credit bureaus, without my written consent. BMW Financial has shared false and inaccurate information to third parties tarnishing my name and buying power. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information including inaccurate payments, inaccurate balance, inaccurate interest. BMW Financial has charged me illegally for an illegal repossession and BMW Financial 's legal fees. In the contract it does not state that I am responsible to pay BMW Financial 's legal fees at any time therefore I have been charged for items not included in the contract. 

BMW Financial has repeatedly put the incorrect payment amount on my monthly statement asking for extra payment, at times as much as {$1300.00} extra without explanation.

BMW Financial has illegally repossessed my vehicle without any report to police at time of repossession. BMW Financial committed grand theft auto under code 18USC 641 with an illegal repossession. All together, BMW Financial has committed illegal practice on both sharing my personal/private information to third parties, stealing my vehicle, and reporting inaccurate information to third parties without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: LA
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2023-02-09
Company: P&B Capital Group, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a complaint in the month of XX/XX/XXXX about not knowing who P & B CAPITAL GROUP LLC is and what debt they're trying to collect. They sent a copy of a Promissory note which claims I received a payday loan from XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I lived in the state of XXXX. Both are not true because from XX/XX/XXXX - XX/XX/XXXX, I was living in and resident of the state of XXXX XXXX  and Payday loans or loans more than 25 % interest are ILLEGAL in New York. It is also ILLEGAL for a debt collector to collect, or attempt to collect, on a payday loan in XXXX XXXX XXXXXXXX. I've attached my W2 for XXXX, my last earning statement while living in XXXX and a XXXX XXXX  credit card statement which shows my previous address of XXXX XXXX XXXX, XXXX XXXX NY. P & B CAPITAL GROUP LLC has failed to check the accuracy of the information they received and is reporting inaccurate information to XXXX XXXX which hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Cross America Financial LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out from a 3rd person company that I was being civilly sued. I checked it upon public records that I missed 2 hearings already

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past year I have disputed the collections account with XXXX XXXX XXXX in the amount of {$7700.00}. This was a joint rental agreement with my now ex-husband, XXXX XXXX, and myself. In XX/XX/XXXX, the property manager and myself had a conversation about me losing my job due to COVID-19 and I was no longer able to pay my part of the rent. I also advised the property manager that I had applied for unemployment and was waiting for an acceptance or denial. The property manager allowed myself out of the rental agreement and my ex-husband, XXXX XXXX, would remain on the lease and the remainder of the lease agreement would be his responsibility. I moved out of the apartment on XX/XX/XXXX. This was all done via face to face communication and no documents were provided to me to sign to confirm this agreement. On XX/XX/XXXX, the collection account was removed from my credit report. Now as of XX/XX/XXXX it has been placed back on my credit report. I would greatly appreciate XXXX XXXX XXXX  to follow up with the verbal agreement we had about releasing myself from all financial responsibility for the remainder of the rental agreement and have it removed from my credit report with all three bureaus. This collection account is solely the responsibility of my ex-husband, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NJ
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : - Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX, XXXX. 
Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: VA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH mortgage  took money from us to cover until XX/XX/2020 and only XX/XX/2020 was left to pay and this payment was amounting to XXXX. Which was not possible at that time because there was no money as we are living on social security benefits and everything was up and down because of corona virus situation.The loans taken from relatives to pay PHH mortgage are also in trouble because of worldwide corona virus pandemic.The lawyer firm of PHH mortgage  is harassing me and my wife and charging allot of money saying it was needed for reinstate the loan. Even the PHH mortgage has taken money from us.Please advise on this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, XXXX, and Equifax. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan ( reported as Unsecured loan by Equifax XXXX Bureau Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by Equifax ) High Credit : {$30000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by XXXX ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by Equifax ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by XXXX and Equifax, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts.

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : XXXX reports the account as " Late 30 Days, '' while XXXX and Equifax indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status.

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : Equifax erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " XXXX XXXX '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information.

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that XXXX, XXXX, and Equifax will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I filed a fraud claim with Bank of America. I initially contacted them prior to formally filing the claim and was told to contact the consumer directly in order to resolve the issue much faster as the large amount would make it difficult - I followed Bank of Americas guidance and direction, and the Merchant did not resolve my issue and would never provide any information. Bank of America denied my claim due to their belief that given the time frame from the filing that I should have seen the amount gone from my account- which is correct, but they missed the context. The formal filing was only delayed because they told me to contact the merchant first, so yes, I did not have a fraud claim filed already. They denied my claim and after my explanation they re-opened the claim and took my police report. I have been waiting for a temporary credit at least and have not received that. 

They will not issue a credit since the claim was initially denied. Which seems very odd considering it shouldnt have been rejected based off their reason for denial. They wont respond to any inquiries. They police department and merchant said Bank of America has not contacted them. Nothing is being done.

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 2023-07-24
Company: EQUIFAX, INC.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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:
I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX tracking number : XXXX, XXXX tracking number : XXXX, and Equifax tracking number : XXXX. However the credit bureaus said that they completed the investigation and everything was 100 % accurate. How is that when the account number is incorrect, the account type is incorrect, the account status is incorrect, the monthly payment is incorrect, date opened is incorrect, the balance is incorrect, payment status is incorrect, last reported is incorrect, date last active is incorrect and the date of last payment is incorrect? According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation? 

One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates 15 USC 1681i ( 5 ) ( A ) ( i )- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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. I did not give anyone written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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