BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: DISCOVER BANK
State: AZ
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 Discover Bank Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX XXXX in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries Transunion- XXXX XX/XX/XXXX NEVER ME!, XXXX  XXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT ME, XXXX XXXX XXXX XXXX and XXXX XXXX none of these I ever applied for. 
XXXX XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists

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 2023-11-13
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a certified letter to MCA Management in XX/XX/XXXX advising that I am disputing the charges as well as advising to stop ALL communications with me due to disputing. I received a email on XX/XX/XXXX re-requesting payment for the debt

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them. Pls handle this matter properly.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-13
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Cash app keeps closing my account when I enter my social sercuity number and wont give me a reson why. 

My account is not negative to my knowledge and I dont have any information from when I did have an account or dont remember my last login information Cash app took my social sercuity number and use/held it for personal gain now I cant open an account without a reason of why its closed when I try to create a new one and a active one. They just closed my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2019-08-04
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: Account status incorrect

Complaint:
Opened a credit card with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Account went negative and was charged off in XX/XX/XXXX, however, current report shows account as " revolving '' and " failure to pay '' month after month, despite being charged off by XXXX. 
Further, attempts to reconcile this debt have gone unanswered.

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 2022-02-14
Company: EQUIFAX, INC.
State: MI
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 letters to the Equifax 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 has been heard from them. That means Equifax has NOT complied with the Fair Credit 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio claimed I owed them debt back in 2019. They sued me- I went and represented myself and explained that I had no knowledge of this debt - they had NO proof and admitted that they did not have a signed contract etc. the case was found in my favor. Then they threatened to take it to an appeals court which would require me to hire a lawyer to navigate. I made payments on this as I did not have the money to fight them but did not quite qualify for any pro bono lawyer ( I live in a rural area ) and could not take the time off from work. I did not know at that time they had to provide what information they used to say the loan is mine or that they can not threaten legal action. 
Despite the fact that they were told that I had been the victim of identity theft in court and the fact that credit reporting laws prohibit reporting or trying to collect in this case they never deleted it from my report. I never stated I owed them money - I was just scared of getting court costs and garnishments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: NV
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:
Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all XXXX bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because XXXX has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all 3 bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( Equifax ) 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 2023-09-15
Company: Finance System of Toledo, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive tried to dispute 2 negative items from a company named FINANCE SYSTEMS OF TOLEDO with XXXX because the debt they claimed I have I provided receipts from the hospital stating my insurance paid for this debt & that I had a XXXX balance. I sent them verification letters & receipts. They responded verified because they sent me my personal information regarding my XXXX XXXX  and lab work I received at the hospital. Not proving any debt, yet breaking major HIPAA Laws. This company has tarnished my credit for years with this debt. I plan to take further action or sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: MoneyLion Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have received an email saying that I have created a profile money lion. I have never even heard of the this company. I called to speak with customer service which they were not helpful at all. They kept trying to get me to disclose information XXXX. full name and last 4 I did not provide any info because I felt it was a scam. The service rep said that the account was created and the only way for me to stop the account was to provide Information to stop the account. It did not sit well with me so now Im here trying to stop fraudulent activity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX, I obtained equity line of credit from Bank of America for {$25000.00} was used out of {$68000.00} approved- XXXX XXXX XXXX XXXX Philadelphia XXXX  and second equity line of credit was granted to XXXX  XXXX XXXX XXXX XXXX XXXX a balance of of about $ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX but it was not transferred. 
On the first equity line of credit I made payments from XXXX to XXXX when I filed chapter XXXX bankruptcy in attempt to redeem a another property the city of XXXX staffs fraudulently sold. In XXXX, Bank of America without notification transferred the equity line of credit with a balance of about {$25000.00} to XXXX XXXX and sold it to investor simultaneously. Still on bankruptcy, there was no monthly statement received requesting for payments because of the active bankruptcy. In XXXX, my attempt to redeem the property that the city of XXXX staff sold failed. I then requested for voluntary dismissal of the Bankruptcy application. Shortly the investorXXXX XXXX XXXX, not in its individual capacity but solely as trustee for the XXXX XXXX, XXXX XXXX filed a foreclosure action and obtained a judgment on pleading in the amount of about {$43000.00} around XX/XX/XXXX. I communicated with XXXX XXXX to pay off the equity line amount. Suddenly, I began to receive communications from XXXX XXXX XXXX XXXX threateningly to foreclose. XXXX Bank of America is responsible for the excessive changes I am currently subjected to. Bank of America staffs connived with the investor occupying the Building at XXXX XXXX build to defraud my chance to survive. The action of Bank of America was unfair knowing that I was in active chapter XXXX bankruptcy. Consequently, equity line of credit of {$25000.00} is now causing a demand of payment of about {$64000.00}. 
Bank of America N.A. Fraudulently changed the name on the title without my consent. The equity line of credit was obtained as XXXX XXXX XXXX & XXXX XXXX and the deed was prepared in the same names. Recently, I noticed that the name change and new deed appears on record. I am not sure how the law permits Bank of America to change the name on the deed Without my consent.

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Transunion still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Transunion has not paid violations invoice as attached.

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 2021-04-27
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: Public record information inaccurate

Complaint:
Experian remove the bankruptcy information from my consumer report you are violating my privacy, right to credit.. 

Pursuant section 605. Requirements relating to information contained in consumer reports ( a ) ( 1 ) ... bankruptcy information is to be excluded from a consumers report. VIOLATION {$1000.00} fine ... .Bankruptcy info reads discharged ; the release of a debtor from monetary obligations upon ADJUDICATION. Adjudication ; legal process of of resolving a dispute, the process of judicially deciding a case. 

The Fair Credit Reporting Act clearing directs consumer reporting agencies, no consumer reporting agency may NOT make any consumer report containing any of the following info ... .cadres under title 11 or the bankruptcy act ... 

XX/XX/XXXX followed instructions and removed all information, see attachments

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 2023-02-01
Company: EQUIFAX, 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: 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 ACC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I've been getting calls from a " XXXX '' at the " Student Loan Support Department '' teasing with a previously unknown loan reduction program. The call is from XXXX XXXX XXXX, but the callback number is XXXX XXXX XXXX. It sounds fishy. My current servicer is Nelnet, but they're not mentioned in the voicemail anywhere. Just wanted to point out a potential scam. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my Experian credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by Experian can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. XXXXk XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Second Credit check was done by 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 2023-06-19
Company: EQUIFAX, INC.
State: MI
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 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.

Company response to consumer: Closed with explanation