BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-16
Company: Accudata Credit Systems LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to begin by saying that this is common practice for the landlord associated with the complaint, who houses approximately  XXXX  students in  XXXX , MO, every year. If they know you are graduating, they send you a notice of damages knowing you will never be their customer again, knowing most people will pay. Of  XXXX  fellow graduates and tenants that I spoke with, all have experienced the same issue. This is rampant abuse of the system.
 XXXX 
I leased an apartment from   XXXX   XXXX   XXXX   XXXX   XXXX  . The lease ende d  XX/XX/XXXX . O n  XX/XX/XXXX , I received notice from  XXXX  in the landlord 's accounts receivables division that I was being charged {$160.00} for 'damages ' to the unit I leased. There were no damages to the unit, and this was confirmed orally by their leasing agent,  XXXX , to my roommate,  XXXX , at the commencement of our walk-through on  XX/XX/XXXX .   XXXX    was not provided with documentation of the lack of damages. More relevant than the lack of damages is the state of Missouri 's requirement of landlord 's to deliver notice of damages within 30 days of the termination of the lease. See here :   XXXX   XXXX   XXXX   XX/XX/XXXX J XX/XX/XXXX , and I received notice of damages on  XX/XX/XXXX . I quoted the relevant statue provided above to  XXXX  in accounts receivable, expressing that I would not be paying for the damages. According to  XXXX , my 'debt ' was sent to collections company Accudata on XX/XX/XXXX . I never received notice of this 'debt ' from Accudata.
 XXXX 
My father, however, did receive notice, and received a derogatory mark on his credit report, too. He disputed the debt with Accudata immediately by mail, expressing that  XXXX  was too late in reporting damages to us according to Missouri statutes. Accudata replied by sending back images of supposed damages.
 XXXX 
The derogatory mark from Accudata exists on our credit reports to this day, and we have still not paid said 'debt '.   XXXX   XXXX   XXXX   XXXX   XXXX   is a subsidiary of   XXXX   XXXX   XXXX  , and operates under the '  XXXX   XXXX   XXXX   ' brand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: NM
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2022-01-15
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX  Bankruptcy 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 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2022-12-26
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir or Maam : Pursuant to the XXXX  Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently XXXXXXXX XXXX XXXX XXXX  with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

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 2021-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted XXXX  and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed

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 2021-05-10
Company: Rocket Mortgage, LLC
State: MO
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 never gave Quicken Loans XXXX Rocket Mortgage XXXX authorization to run my credit. They ran my credit on XX/XX/2021. Nor did I give them authorization to fill out a refinance application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I gave my Credit Card information to the XXXX XXXX company at XXXX XXXX XXXX XXXX, XXXX, KS XXXX, ( XXXX ) XXXX to pay for a moving XXXX XXXXl. At that time all that was owed on my BANK OF AMERICA Credit card was $ XXXXI returned the XXXX XXXX  at around XXXX : XXXX  the next morning with a charge of {$4.00} being charged by XXXX XXXX. when I looked at my BANK OF AMERICA credit card balance, it said the I had deposited {$200.00} which was deducted from my card but added to the balance owed! I filed a fraud claim but the bank is still saying that I took the money off the card!! I did not take any money off of the card because the XXXX XXXX company would charge the card. when I tried to see if XXXX XXXX did this ..I saw vanishing amounts come up and then disappear... Please investigate these two companies and the credit card company as someone within them has done this, as it has happened before and I have had numerous cards closed and have been receiving notice that I have accounts that I did not open. I am willing to take a Polygraph test for Forensic evidence as proof that I am not lying. I am XXXX XXXX XXXX and feel that I have been targeted for at least 5 years by someone working within Bank of America or the Credit Card Company as well as possibly XXXX XXXX  as well, because of this ..I can not pay my bills and I am XXXX and live on a set income.

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 2023-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
merrill XXXX  reported on a 1099 to the government an incorrect amount on a roll over or transfer that has caused me to incurI a large debt with the IRS, merrill closed this account and havent forwarded any information concerning my request, this account should not have been closed, i paid appllicable taxes and i followed their rules of that govern the roll over process, i there is more funds in this account, thank you. 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 2023-04-28
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I moved from XXXX XXXX XXXXXXXX XXXX XXXXo XXXX, XXXX this week. I walked into my local XXXX XXXX Truist Financial branch to withdraw funds to pay for my movers. I handed them my XXXX license. They asked me a couple of security questions, which I was able to answer ; however, when they asked me what year I opened the account, I could not remember. I opened an account with BB & T about a decade ago. I never opened a Truist account myself. That automatically happened with Truist bought out BB & T. Since I could not answer that question, they stated that I was not the account owner and they couldn't help me. So, I left. I went to another branch down the road, but by the time I had arrived there, the first bank had flagged my account, so they would not help me either. I went home to transfer my funds via online banking and noticed that my account had been frozen for debits. I called the XXXX number for customer service ; they stated that this can only be resolved at the local branch. They asked if I could drive back to the branch, call the customer service again and they would assist in verifying that I am indeed the account owner. I called the local branch before driving back over to confirm this as well as ask what other forms of identity I could bring since they were obviously unhinged over the XXXX driver 's license. I offered my passport and social security card. The gentlemen on the phone stated he would not help and that I need to go back to XXXX Currently, I feel like my funds have been stolen by my own bank, and I am very frustrated. I need help to get my funds back. Then, I can just permanently close my account so as to never deal with this bank again.

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 2023-07-14
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-07-21
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The night of XX/XX/XXXX I started an application for Amerisave. Before completing the application I was asked to pay {$540.00} for an appraisal. I messaged XXXX XXXX about it and she stated that is something I will have to do to proceed with the application. So I did so. I proceeded with the application and uploaded documents from the tabs they brought up. I mentioned prior to applying to XXXX XXXX that I need to get a pre-approval in writing and a letter of guarantee so that I know I will be able to receive a mortgage. I have yet to receive any letter for anything Ive asked for. But Im asked to keep uploading documents. I recently let them that they are in violation. I know there was a lawsuit in XXXX about this. It appears that they are still doing the same things as they were from seven years ago. I refuse to be another victim. I have consistently reminded XXXX XXXX and XXXX XXXX that I request to have a letter of approval in writing. Their portal does not allow me to see what I have uploaded nor see a pre approval letter for me to print out. Two days ago XXXX XXXX mentioned that if I upload my school info and my W-2 that I would be able to get a letter and I did so and I still dont have anything because XXXX XXXX was to clear credit and income. Please address this as I am trying to get my {$540.00} back. I have no information as to where my progress is with them and I find it unprofessional.

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 2023-08-25
Company: Open Dealer Exchange, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
o Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. XXXX XXXX XXXX XXXX : {$3600.00}.

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 explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, a large amount of money appeared in my credit card account as consumption, which I did not realize, this amount was XXXX and a charge for foreign currency conversions for XXXX, at the same time I called the bank and The account was pending, but the bank, instead of helping me, proceeded to pay the person who robbed me. I honestly don't understand. I even made a report to the police but they didn't resolve the case. They told me that I was responsible for paying them and they sent me a letter. letter saying that the case is closed, please help me. The bank that provides my credit card is Wells Fargo.y my credit card number 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 explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: DC
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 a Victim of 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 2023-04-28
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rights. 


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

15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief