BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have know knowledge of this account and that you did not authorize the reporting of this account on my reports

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 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have disputed this account multiple times with TransUnion and each time I submitted a disputed they verified the account as accurate. However, when I reached out to the credit union, they stated they only report to XXXX and sent me a letter in writing stating the same thing, which I have attached below. 

TransUnion is claiming to have done a proper investigation in accordance with the FCRA which they couldn't have done because the credit union has no proof or record of TransUnion reaching out to them to verify this account. So why is TransUnion verifying false inaccurate information and who are they verifying with since the original creditor, XXXX XXXX, has no record of them contacting them regarding this account. 

I recently had a name change, but prior to my name change I disputed this account multiple times under the name stated on the attached letter from the 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 HJAVE VIOLATED MMY FEDERALLY PROTECYED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX  XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX HAS VOILATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C.1681 SECTOIN 604 A SECTION 2 IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY ONFORMATION REL ; ATED 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 2021-07-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX  and XXXX  of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
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:
To Whom It May Concern, I recently challenged the validity of XXXX XXXX XXXX account # XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information as being reported accurate. I noticed as a result of challenging this account with Experian they continue to update the account and not point out whats being updated. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. Please send an updated copy of the credit report to my address listed on the letter. Please also provide the names of the individuals whom are verifying the accounts. 

Kind regards

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to block or remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I did a transfer for {$630.00} from my Bank of America Account to my XXXX account. After several days passing by, I noticed that transfer never made it into the account. I immediately contacted XXXX and filed a claim, I also did the same for Bank of America. On XX/XX/XXXX I did another transfer for {$310.00} from Bank of America to XXXX. The same thing happened and that transfer never made it into the XXXX account. I did the same steps of filing a claim with both banks. 

I uploaded supporting documentation to show that I had the money in my Bank of America account and also uploaded my XXXX statements to show that those funds NEVER made it into that XXXX account. 

To my surprise, on XX/XX/XXXX and XXXX Bank of America authorized a fund reversal for those XXXX amounts of {$630.00} & {$310.00} from XXXX, putting the account into the negative. When contacting XXXX about this they informed me that I would have to contact Bank of America since they authorized the fund reversal. After numerous weeks of being told one thing and being hung up on multiple times, I spoke to a supervisor named XXXX on XX/XX/XXXX at XXXX am from Arkansas. He informed me, on a recorded line, that Bank of America did authorize a fund reversal since on their end it showed XXXX completed transactions into the XXXX account. I told XXXX that I do not understand how that made any sense, the funds never were deposited into the XXXX account so why would Bank of America do a funds reversal?? He said that its because it showed completed on my Bank of America account. I uploaded statements and documents showing that yes, although the transaction was completed the funds never made it to their destination, therefore by doing a fund reversal we lost over {$940.00}. 

XXXX informed me that both claims had been closed and that there was nothing else Bank of America was willing to do. XXXX told me that since this issue happened with Bank of America there was nothing that they could do. I have exhausted every possible avenue that I could with both Banks, and neither is willing to admit their fault in this situation. I just want that money returned back to XXXX. I am not certain why those transfers never got deposited, XXXX XXXX agent suggests it was a glitch in the system. However, that glitch has cost my family a great amount of pain and struggle.

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 2022-11-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HI 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 LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 The dates are incorrect along with Balance XXXX They have not provided the original contract of debt. Along with dates are inaccurate. 


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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 informed the credit bureaus that the address on the account was not mine and keep reappearing.

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 2023-01-18
Company: GOLDMAN SACHS BANK USA
State: IL
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:
I've been a XXXX credit card holder for probably over 20 years. I don't know when it happened, but " XXXX by Goldman Sachs '' took over from XXXX. I get all my bills in the mail in paper form. I received a phone call from a representative who told me I had an outstanding balance this last XXXX. At that time I informed the representative that I never received a bill in the mail from them. I paid this outstanding balance immediately. The representative told me that after I make the payment my account balance would be {$0.00} and the late fee and interest charges would be reversed. In XX/XX/2022, I started receiving notices in the mail from XXXX that I still owe them money. On XX/XX/2022 I called their customer service number and the representative told me it was again fees for interest & a late fee. At that time, I explained what occurred in XXXX and she told me that XXXX had made all my statements electronic. I do not get any of my bills this way. Every month they just keep on tacking on more fees on my account when it was XXXX who made the error of delivering my statements electronically. After numerous phone calls, and a guarantee that someone higher up the chain will be calling me to straighten all of this out, all I keep getting is statements in the mail with a new HIGHER balance due. This is their fault for making my account statements delivered electronically. I NEVER requested this action. They are now wrecking my credit score by reporting this ever growing balance due under my SSN. Please assist me with getting this matter straightened out with this XXXX company. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-11-22
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:
Received an investigative report from Transunion dated XX/XX/XXXX file number XXXX that the item of bankruptcy by the XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX Texas was deleted from my credit report. To this date the item still appears on my credit report. I have a copy of the Transunion final investigative report. I am still filing disputes with Transunion to honor their report but to no avail. Believe that they want to punish me. I explained & provided Transunion a copy of Court Order dismissing the item. I never participated in bankruptcy proceedings not a single payment was ever made. Court dismissed the case. 

XXXX deleted the report on XX/XX/XXXX after I filed a dispute. I have filed disputes monthly with XXXX who refuses to delete the item.

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 2023-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/XXXX Bank of America has frozen my account after numerous phone calls over the past two weeks to the bank and their fraud department no one can give me a legitimate answer as to why they are with holding my funds. They said deposit fraud but the only deposit made was for {$250.00} does not seem unreasonable or a reason to flag for fraud. I never received prior notice they had froze my account my automatic payments were declined and I now also owe for those payments being rejected due to a major error in the banks security systems within their own fraud department. There is no help, no answers given or explained, and I still do not have access to my funds. I have reviewed all transaction none of them give any reason to be flagged. I had received digital deposit from XXXX and XXXX XXXX  times before these transactions and in the year I have had this account this was never an issue. They lack communication with their consumers and are thieves at best. Their systems are flagging us for no legit/ legal reasons and we the consumers are suffering for it.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have two incidents. I bought a car and the XXXX pay off my personal loan, they said Wells Fargo, that they did not received the money yet. Do they charge me some fees. The other loan I pay off before and they did not deducted interest or for paying ahead. Thanks 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 explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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