BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
First off they have been reporting my student loans as late and they have never been late they have inquiries hard inquiries on there from real estate companies that I don't know where they came from cuz I haven't applied for any house because I'm on XXXX XXXX  and I've been disputing and trying to get them to get it right for the longest my credit score is not what it should be and I'm just so tired of dealing with them is stopping me from doing a lot of things they give me a credit card offers that they say I'll be approved for and I never be approved I'm always denied they lie about a lot of offers and I'm always denied I need help with my credit because I'm trying to further my future and I need my credit to be straight I have a school on there where my identity was stolen and they were supposed to take it off so many years ago and they still have not the school was found in delinquent of overcharging students as it was but I'm not the one who got the student loan and it was from the XXXX XXXX XXXX  so I'm asking for help please I'm tired of dealing with them they don't do anything they're supposed to do at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: LA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-27
Company: Experian Information Solutions 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts. 

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall. free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

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 2022-10-25
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-10-31
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
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. 

PLEASE SEE ATTACHED LETTERS.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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: In progress
Consumer complaint received 2023-07-09
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Carpenter Hazlewood is a law firm attempting to collect debts claimed to be owed to my homeowners association. It obtained an injunctive order from the Courts by misrepresenting me and the facts of their claims, thus defrauding the court leading to its injunctive action. The injunction allowed the Association to restore common area landscaping which straddled my property and was installed to stabilize a slopping embankment. The Association hired a contractor to restore the embankment as allowed by the court, but in the process, trespassed on my property, damaged the landscaping on my property and stole personal property boulders that enhanced the property values of the neighborhood. In effect, the Association hired a perpetrator to perform a criminal act.

All of their actions were recorded on surveillance tapes, the perpetrators were informed of their trespass and that they would be charged with criminal trespass, property damage and theft by loudspeakers as the act was performed. Police were called and criminal complaints were filed with both the XXXX Police and XXXX Sheriffs Departments. Both have been asked to investigate the criminal complaints. This is the very definition of racketeering by the Association Board of Directors. 

So now Carpenter Hazlewood is harassing me by threatening legal action and foreclosure of my property if I dont pay fees and expenses that they demand. No credit for the stolen property or damaged property is deducted from those costs. These demands for payment is an abuse of the courts to bully and suppress residents under the color of Law. It has made a mockery of our God Given rights under the Constitution for the United States and no agency of the government is willing to uphold the rule of law. I am hoping you will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX of last year Bank of America offered a program to make a payment plan to bring the balance on my credit card down. I met all the requirements on my payments as well as making future payments. I recently tried to use the card today to catch an XXXX. There was an error message so I called customer service. They claimed the account had been closed since XX/XX/2023 and I should have gotten a letter by the mail. I didnt receive any letter nor an email or notification within the Bank of America app inbox of the account being closed. I have been making on time payments of {$81.00} by the XXXX of the month via the mobile app.

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 2024-01-18
Company: LJ Ross Associates
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:
I XXXX XXXX, have contacted LJ ROSS AND ASSOCIATES online and via certified mail between XX/XX/XXXX and XX/XX/XXXX. I've requested account validation of the collection account XXXX that has appeared on my most recent credit reports. LJ ROSS AND ASSOCIATES has failed to provide me with any form of account validation that I have requested in my certified letter to them. 

I spoke with XXXX XXXX ( original creditor ) on XX/XX/XXXX. 
Per my request, XXXX XXXX was able to immediately verify my current account information in their system and also confirm that my account has not been sent to a collection agency- nor should it be reporting as a collection account with LJ ROSS AND ASSOCIATES or anyone else. Finally, I requested that XXXX provide me with an email letter confirmation of my current account XXXX. I've attached the proof of the letters XXXX XXXX has provided me with below.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023, I received an email that my credit card was over the limit. This was shocking to me as I have not used this card for any purchases other than the initial purchase when opening the credit card, and have been paying at least the minimum every month so the balance due has been dropping slowly but surely. 

I called the company immediately to look into what I thought must have been fraudulent charges. The person I spoke with informed me that it was actually a {$710.00} fee that was just added to my account, putting me somewhere around {$440.00} over my credit card limit. They said it was the end period of some promotional something or other. 

I'm now in serious financial trouble due to this surprise fee. The company is requesting a minimum of {$440.00} payment this month, and we live on a very strict budget. I wouldn't know where to get an extra {$400.00} to pay this ridiculous minimum amount due. My car lease is up next month, and this has effected my credit score to the point that I will have to pay more monthly when purchasing. 

I have been working very hard to pay down debts incurred for living expenses during a life hardship. I always pay on time for everything, and pay more than the balance every time I am able to. Companies such as this one who prey on hard working people with these fees are a part of the massive problem in our society. If companies are allowed to continue to be manipulative like this, I and many others in my shoes will never be able to pay back debts and live comfortably instead of paycheck to paycheck and grasping at every XXXX. There has not been any communication of remaining due for any kind of promotion, and the minimum payment due was deceptive as it was not what was needed to fulfill the so-called promotional terms.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX 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 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 response to consumer: In progress
Consumer complaint received 2023-08-25
Company: Early Warning Services, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
From : XXXX XXXX XXXX XXXX XXXX ct, XXXX XXXX VA XXXX Email : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Email XXXX Subject : official request of investigation Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing as a follow-up to my previous letter dated XX/XX/2023, in which I requested assistance with investigating fraudulent XXXX  transactions totaling {$11000.00} that were sent from my XXXX XXXX XXXX account . 
I recently received a response from XXXX XXXX  XXXX declining to honor my claim or provide any substantial assistance. According to their letter, they stated that my claim was not received within the required one year time period from the date of the unauthorized transactions. However, their terms and conditions do not stipulate any such time restriction for investigating claims of fraud. 
As the regulatory body overseeing XXXX XXXX XXXXXXXX 's operations, I urge the XXXX XXXX XXXX to look into how they handled my case. It seems unethical for a major financial institution to dismiss a victim of fraud simply because arbitrary time limits have passed, especially when no such limits are disclosed in their own policies. 
I have provided all necessary evidence and information to XXXX XXXX XXXX, yet they declined to conduct a thorough investigation or trace the flow of stolen funds. As a U.S. citizen and customer of XXXX XXXX XXXXXXXX for over 15 years, I believe I have the right to expect legitimate assistance when large sums of money have been stolen from my account through fraudulent means. 
XXXX  XXXX XXXX has a duty to ensure that financial institutions under its purview are operating ethically and treating customers fairly. I hope that you will look into XXXX XXXX XXXX 's handling of my case and take appropriate action to compel them to properly investigate the fraudulent Zelle transactions. Victory against fraud requires diligence and perseverance on the part of regulators just as much as financial institutions and their customers. 
Please advise me on any further steps I can take or information I can provide to facilitate your investigation into this matter. I look forward to your prompt response. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-09-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXXXXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My information was exposed to a date breach by XXXX my information has been compromised. XXXXXXXX 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