BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXX/XXXX ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2018-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
At approximately XXXX XXXX on XX/XX/2018 I placed a call to equifax at XXXX. After explaining that I had received a credit alert notice on my XXXX account and wanted an explanation of the issue, the rep named XXXX said he had to place me on hold for " research ''. After leaving me on hold for four minutes, he came back on and said " our system is being updated right now ''. So I said " Are you telling me you can not access my account now? '' He said, 'our system is being updated '. I said it was a yes/no answer and we went back and forth. He refused to answer me. I asked to speak to an advisor, he came back on after three minutes to say no one was available. I again asked to speak to a manager. He transferred me to the " manager ' desk which had a message on it to leave a message and I'd be called back in a day. This is ridiculous! First they have a breach of my data, then they offer me free protection on my account, then they won't access my account. Infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Advanced Resolution Services Inc.
State: IL
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:
I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per XXXX XXXX I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures.

It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX bankruptcy discharged Account # XXXX. 
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.

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 2022-04-18
Company: EQUIFAX, 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 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit report, I noticed several inquiries that were inaccurately being reported. I have previously requested removal of these inquiries and have yet received a resolve or response. This is a direct violations of several consumer laws.

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 2022-12-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Went to XXXX XXXX nissan in XXXX to buy a car with a friend of mine who agreed to help me by cosigning the salesman understood i couldnt get vehicle without a cosigner so after all the paperwork was dot pne i thought it went well a week later i check the website for the account an learn we were a victim of Bait an Switch scam i was not the buyer i was the cosigner an my friend was the buyer not any paperwork i recieved at the dealership says im cobuyer the paperwork the dealer sent to finance company is not the same that was giving to me when i requested copy of the contract the finance company recieved an compared it to what i got its missing multipages dollar amounts change completely different i also noticed my copy of the contract does not have my signature nor my friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 2023-09-05
Company: Experian Information Solutions 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:
In Accordance with the fair Credit Reporting act These accounts and Inquires

have violated my rights!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 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 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 explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these authorize these accounts, *XXXX XXXX XXXX XXXX XXXXXXXX Location : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX in XXXX Location:XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXXXXXX Location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX XXXX XXXX XXXXXXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Phone : XXXX XXXX XXXXXXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX & XXXX Location : XXXX XXXX XXXX XXXX XXXX il XXXX 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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 explanation
Consumer complaint received 2022-12-29
Company: AUTOMOTIVE CREDIT CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the credit inquiries nor did I give anyone permission to run my information at any of these companies.

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 2021-05-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting inaccurate information and fraudulent status never late and is a XXXX  balance My account XXXX is current and never late and there are duplicates my XXXX XXXX XXXX XXXX  is paid with XXXX balance why does Experian keep posting old information and inaccurate information. 
My.lowes account is a settlement XXXX balance. Experian is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I went to the ATM at my local Truist bank and tried to deposit money. First I put in {$500.00} dollars then it I went to put in {$2000.00} in {$100.00} dollar bills. So after it took the {$2000.00} the money went in like it did with the {$500.00}, but then it didnt take the deposit and started to give me my money back. It gave me around {$1200.00} then the slot closed and then opened again and gave me another {$200.00}. It kept doing that a couple times and I only ended up getting {$1800.00} of the {$2500.00} I put in the ATM. After I got the last bit of my money that it gave me it then shot out a processing error ticket and my debit card. I quickly tried to get a picture of the message that popped up on the screen but did not get. I only got a picture of the ticket hanging out of the ATM and the message on the screen disappeared. One that happened and I got the error message it gave me I called the number provided on there. ( Also the time off when this happened on the ticket says XXXX XXXX ) I then filed a claim with them to reimburse my {$700.00} dollars that was stolen from me by the ATM. It has now been 13 days and I have received an email saying they will not honor the {$700.00} dollars they stole from me. I dont know what to do now or what direction to go but in. I feel hopeless that I will never get my money back. I dont see a world where the small guy wins.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXXXXXX ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XX/XX/2020 XXXX   XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
BOA closed both of my checking accounts with no explanation and after several money transactions that were made in my account not by me. I've had numerous overdraft fees as well. I applied for a Hardship assistance on XX/XX/XXXX to get my balance out of my account. I have over {$2400.00} in my account. Due to this unfortunate situation, I have been summons to court because I have not been able to pay my rent on time due to the withholding of funds from Bank of America.

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 2022-12-29
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was transferred from XXXX and everything seemed ok, but then I needed my employment certified. I have been trying to get it certified since XXXX maybe XXXX at this point. I have emailed and called numerous times. I have spent over 10 hours on hold or talking with customer service all have assured me it will be taken care of. XXXX I'm on the phone now waiting to talk to a supervisor, I'm sure it won't happen. If I turn in the next six months of certified employment they will cancel the request and say this is a duplication form. I also initially had the wrong payment plan set up which I repeatedly asked about and was told it was fine.. it wasn't and would have made me ineligible for the PSLF. I am starting to believe that MOHELA feels this is a game make us wait it out and see how long until we give up. I have worked for the feds for 15 years and it's my right to have PLSF. I'm not sure why they are doing this to good people, I have had four different loan providers over the year and this is by far the absolute worse service I have ever had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation