BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance XXXX {$8.00}, XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$320.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2024-01-04
Company: Rozlin Financial Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX month subscription to XXXX. The subscription was reasonable, I used XXXX to pay it. But I didn't have any luck. It's a terrible app. I Lost interest and let it lapse The next month I noticed a 400 % balloon payment on my XXXX account ( which was paid BTW ) and so I promptly put a stop payment on the account and deleted the account. A few months later I receive a phone call from a debt collections agency called XXXX telling me I owe them {$400.00}. I panicked, I flip out. I have a mortgage. I can't afford to pay that I'm already strapped because of the holidays. I'm just a XXXX XXXX XXXX XXXX I don't have a lot of money. I've worked hard for what I have and the credit rating that comes with it. I try to access the old account and I can't because it doesn't exist any longer. I send an email to support. They tell me it doesn't matter if I deleted it I didn't cancel the subscription. That they sent two emails ( That I never saw, Probably ended up in junk ) and now I owe them for services rendered. How can I receive said services with no account? This is a criminal operation preying on lonely people like myself and I refuse to allow them to extort me. My next step is small claims court.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: ACIMA CREDIT, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing this account for over a year and there has been no resolution this company has been reporting on my account as a charge off and per IRS definition of charge off is income and because this company filed this account as a charge off a 1099c was suppose to be sent out to me and that is a violation of the FRCA .please remove this account from my report. During dispute this account is still reporting on my credit and FRCA states when a account is in dispute it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Equifax credit report services web site at https : //www.equifax.com/personal/credit-report-services points has a " Get Started '' button that refers to https : //my.equifax.com for handling credit freezes. I placed a freeze on Equifax via traditional mail two years ago because their web site never worked properly. In the  intervening time, this web site has never been up, so I could never so much as register myself as a user with the information that was provided in my in initial freeze. This company purposefully makes an user self-service options frustrating and difficult. I have also twice attempted to temporarily lift my credit freeze with Equifax with the same result. Their web site is non-functional and exists only as a facade to make it look as though they comply with federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/24, I called Experian and initiated a dispute over the phone with a representative about inaccuracies on the personal information section of my report pertaining to my name and address. I pointed out inaccuracies shown on the report in the various name variations that they had on file for me and asked them to delete them all and just leave the correct one which is XXXX XXXX XXXX. I also disputed XXXX incorrect addresses that they had on file for me for XXXX, XXXX  and asked them to delete those XXXX because they were incorrect and to just keep my current mailing address that is listed on file which is XXXX XXXX XXXX, XXXX, XXXX XXXX. Well I got the results back from this dispute within a few hours and they have completely butchered my name intentionally XXXX different times on my credit report. Instead of deleting this inaccurate information and leaving the correct XXXX as I described above they updated all XXXX to reflect the following variations XXXX XXXX XXXX XXXX XXXX DIFFERENT TIMES! 

Also instead of deleting the XXXX inaccurate and out of date addresses listed that I requested to be deleted they still remain as follows : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2023-07-21
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: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - ( I PAID OFF AN OLD ACCOUNT BUT THIS INQUIRY HAS NOTHING TO DO WITH THAT ACCOUNT. THIS IS A NEW REQUEST I DID NOT AUTHORIZE XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - THERE IS AN OLD XXXX ACCOUNT ON MY CREDIT, WHICH IS BEING REMOVED DUE TO FRAUD. THIS INQUIRY OCCURRED AFTER AND WAS NOT AUTHORIZED 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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TRANSUNION IS REPORTING A FAX NUMBER ON THEIR REPORTS BUT THE FAXES ARE NOT GOING THROUGH YET THEY HAVE THIA NUMBER ON WEBSITE

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 2022-06-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/21 I deposited a check from my husband for {$1500.00} through my BOA app to my checking account as Ive done numerously and regularly for several years. I was notified that the funds were being held and would not be available until Wednesday XX/XX/21. 
Despite the fact that there was over {$2000.00} in liquid funds available in the account as well as {$17000.00} available on my linked BOA credit card, when I phoned BOA customer service on Friday XX/XX/21 I was told they would not release any of the funds as they were informed electronically the funds were not sent by the local paying bank, XXXX XXXX. However, I confirmed with my husband that in fact the funds had been withdrawn from his account. Where is my money?! I have been a banking customer of BOA for over 33 years! I even went to the local branch. They were courteous but completely ineffective and were themselves left on hold calling their own service line for over 20 minutes while I sat there. 
Where does the loyalty get me? There was nothing personal about how this was dealt with. I was treated like they didnt know me yet I have several consumer products with them and a long-standing relationship. I had to draw funds from an outside account to be sure my mortgage payment would clear. The people in customer service were not interested in the least with actually putting any effort whatsoever into assisting me with this issue.

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 2020-01-25
Company: DriveTime
State: CA
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 an inquiry on my credit report that I did not authorize. 

DT CREDIT Auto Financing Companies Inquiry date : XX/XX/2019 XX/XX/2019

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 2019-04-23
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:
After reviewing a copy of my annual credit report, I have identified an inaccurate item that was placed on my report. I have made a payment towards the disputed account and as agreed the amount that is shown represents the payment which settled this account in its entirety. For your convenience, I have attached receipts that show proof of payment made towards the account that confirms the agreement. Promptly re-investigate the account and have the inaccurate entry remove from my credit file. Your company will agree to remove the present entry from my credit report to exhibit Paid satisfactory. Additionally, other entries such as, late payments or charge off should be purged from my credit files.

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 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I had two credit cards with bank of america, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to Bank of America in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that Bank of America reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the bank of america accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.

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 2021-08-14
Company: RS Clark and Associates, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX. XXXX AND XXXX XXXX Creditor : R.S. CLARK AND ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on R.S. CLARK AND ASSOC Original Creditor : PR.S. CLARK AND ASSOC account number ISNT DISPLAYED with a balance of {$0.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Ive currently tried to pay rent and the bank bounced back my check. I currently have over XXXX in my bank account and they wont let me touch or pull it out. I need my money and its effecting a lot of things in my life. I need this resolved

Company response to consumer: Closed with explanation