BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Simple : Although BoA N.A. reports it needs more time to respond to previous ongoing complaints [ filed multiple times with this CFPB for ongoing billing & payment issuesproblems ] and issues it has stopped, entirely, sending out payment demands. Including those, but not limited to, coupons for the previously uploaded {$0.00} monthly 's. So, I not only do NOT have any accounting for that {$500.00} in principal sent separately last month ; it is again wholly unreported and unaccounted for, on that nonexistent XXXX Credit Report ( must be my imagination going wild again NOT ), as is those payments sent and cashed for XXXX and XXXX of XXXX [ payments made two ( 2 ) months in advance of their respective due dates ]. Which makes it painfully obvious that BoA is not only is less then honorable but completely corrupt and criminal { XXXX }. So, I too have adjusted strategy and have made deals with my banks for images of all monthly checks now be sent automatically to me. Also, each and every payment going forward is now going to be delivered by Certified U. S. Mail. With that self-produced payment coupon, on which the payment is intended for and sent to cover, as well as all papers ( ie : the payment check and enclosed self-produced payment coupon ) enclosed in that Certified U. S. Mailing will have that assigned exterior number inscribed on each item enclosed therewith. If BoA NA should reject one such payment andor the immediate application thereof the remedy ( s ) included in the Uniform Commercial Code shall be swift in coming. I attempted to allow CFPB to do it's job in a relaxed manner however the actual theft of my money makes that no longer an option. They've obviously realized I can not upload what they do not supply therefore this submission lacks the evidence ( s ) they previously supplied against themselves, who ever said criminals are stupid?

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 2023-07-22
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 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 2022-12-27
Company: Experian Information Solutions 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I submitted a wire transfer from XXXX to Chase on Sunday XX/XX/XXXX ( both accounts involved were my own ) XXXX confirmed chase had received the transfer Monday XX/XX/XXXX. I looked over the transfer and realized I had mixed up two of the numbers in the account number. I called XXXX they submitted a recall and then the next day an amendment to the wire transfer. On Monday I spoke to a Chase representative who assured me that even if the account number did exist and belonged to another individual that the transfer would be denied and refunded back to XXXX because the name and address of the beneficiary is not that of the account holders. They assured me that the money would be back into my account by COB Monday. I called on Tuesday to Chase as the wire hadnt been returned and they assured me the same thing, that the money would be sent back to XXXX because of the information discrepancy. I was also told that they could see on their computer that Chase had received a {$2500.00} transfer request to the incorrect account number and that it would be declined and sent back that day for either that account not existing or the name/address discrepancy. I caned Chase on Wednesday, I was hung up on 3 times after they told me twice ( two different reps ) that Chase had never received a wire transfer to either of those accounts for {$2500.00}. I informed them that a rep confirmed it a day previously that they had received it and it was in processing and would be returned the day before, the rep then proceeded to put me on hold and disconnect the call after 40 minutes. XXXX told me that same day that they have tried to reach out to Chase as they havent received the wire transfer back and that Chase has not contacted them at all. I escalated a formal complaint with Chase and still have not received any other word on where the wire transfer is that has been confirmed received by BOTH banks and have been specifically told by Chase that they DO have the wire transfer for them to proceed the next day and tell me they never received a wire transfer for that amount ever for my account nor the account number I accidentally put in ( if it was an actual account with them ). XXXX is still working on recalling the money and cant get Chase to respond, I was told the next steps are to trace the money and further pursue a recall from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting 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

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 2019-01-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Since 2017 I have sent numerous written requests to the credit agency Equifax in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. I have requested debt validation of these companies listed on my credit report per Section 609 of the FCRA ... Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have to this day received no validation, no proof of any contract or orally any agreement showing I owe a debt to this company. I have submitted proof that one of the amounts listed for {$500.00} was removed by XXXX, but yet this amount still appears on my Equifax report. This is a clear and blatant violation of Section 609 because nothing has been provided to me despite the numerous times I have requested validation of these accounts from XXXX XXXX XXXX. I am humbly asking tis matter to please be investigated. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased roughly ~ {$2000.00} of equipment from XXXX in XXXX XXXX with a promo % XXXX APR until the following XXXX. I put this on autopay to be paid off by XXXX of XXXX. I've used this service previously without any issues. 

XXXX announced over the summer that they would be switching to a new service provider for financing in XXXX. Since I had my account lined up to paid XX/XX/XXXX, I had no concern. XXXX claims I canceled my autopay with {$22.00} remaining balance in XXXX of XXXX. They then proceed to charge me late fees, without notice, for XXXX and XXXX, bumping my balance to {$82.00}. I did not receive any statements of outstanding or overdue balance nor did I receive notice of autopay cancellation. I presumed that my account would have made its final autopayment of {$22.00} and be resolved. 

I did not know there was any issue with my account until my bank and XXXX both alerted me of a FICO change of XXXX to XXXX. I was shocked. I attempted to go to the existing XXXX finance site but website was not allowing access to any updated information. When I would call they would transfer me to the new provider of Comenity who did not or would not service since I did not have my new account number that I hadn't received yet from them. I had to go through an automated service using my SSN to then request to have my new account number mailed to me. 

Once I received the # I created my account and made a payment to my surprise of {$82.00} to get it resolved ASAP. When I called to inquire as to what happened XXXX advised they were not able to help since it was with the previous provider. When I called the previous provider they defered me to XXXX. Without any recourse available via phone I've started to dispute it through XXXX and also the CFPB. 

Also, it is showing me as current for both XXXX and XXXX yet XXXX shows past due 60 days? None of this makes sense.

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 2022-09-26
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:
TransUnioun was notified several times on XXXX of unauthorized accounts reporting on my consumer file.However on XX/XX/2022 they claimed they verified XXXX XXXX XXXX XXXX {$170.00}, XXXX XXXX XXXX XXXX {$250.00}, XXXX XXXX SERVICES XXXX {$930.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX ; {$2100.00}. I Requested how they verified these accounts if they never Pursuant to 15U.S, C 1681 ( a ) ( 4 ) they did not insure that the information was ; is accurate, and they did not exercise there grave responsibility with fairness and impartiality, TransUnion took one side of the story and never consulted with me to find out if the transaction even took place. As a result of this my privacy was breached and violated my rights to privacy. It is a fact that I am a Natural person pursuant to 15 U.S.C 1692A ( 3 ). I never gave TransUnioun written or verbal communication to report inaccurate errors on my consumer report. This has undermined my confidence in TransUnioun as a Reporting agency.

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 2023-12-01
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 XXXXS-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number  : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/23 a letter was sent to transunion disputing some incorrect personal that is currently reporting on my report. I have yet to receive any correspondence letting me know that my request was even processed.

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 2022-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I sent my FTC report. Along with my license to XXXX, XXXX, and TransUnion. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.

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 reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief