BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 

XXXXXXXX XXXX XXXX  # XXXX, XXXX/DEPT OF ED # 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 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 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
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, XXXX XXXX XXXX, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Bank Of America I deposited a check on New years day at the atm. The bank is holding the check and giving zero funds availabilty for 11 days even thought hey have received the funds on the first day. I spoke to the operations manager in person at the bofa branch to request the minimum funds availability of XXXX on the first day after deposit and she would not release funds until 11 days have passed. Meanwhile they have my XXXX and I can not pay my car payment on time without being charged overdraft fees. It is unfair for bank of america to withhold my funds for 11 days. I suspect they are using this money in a pool of funds to earn interest at my expense. I consider this lack of regard for small account holder to be a breech of trust and therefore my only recourse is to close my account at bank of america and deny them my business of 10 years of fees. I would fine them in a class action as I know this practice is common and widespread.

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: Experian Information Solutions 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2019-07-10
Company: HARBORONE MORTGAGE, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Already submitted complaint via phone. XXXX says they did not receive payment, but I have proof of payment. Nearly impossible to get live person on the company phone. My credit has been impacted and late fees need to be removed.The Loan # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. XXXXMY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Capital One is currently in violation by reporting late payments on my consumer report The national emergency for the XXXX  XXXX pandemic was recently declared ending as of XXXX XXXX XXXX. The Cares act declares that late payments can not be reported. If you look at capital ones website there is still an active page that says reach out for help due to coronavirus relief. I did so and was under the impression that late payments were not to be reported and I had forbearance options. I was misled by them, and the credit bureaus should not be reporting late payments on my account. Furthermore the hero 's act suspends negative reporting of information to consumer reports during the caronavirus pandemic for which XXXX XXXX just ended. That means that the late payments being reported to my consumer report should not be reported which at present are being reported for XXXX, XXXX, and XXXX of XXXX. When the banks have issues they are bailed out. The people that keep the banks in business are promised something by law and they don't oblige. That is wrong. I demand that these late payments be removed at once. 

Furthermore under 15usc1681a ( 2 ) ( A ) ( i ) which is under the exclusion section. It says a consumer report isn't supposed to contain information solely as to transactions or experiences between the consumer and the person ( person can also mean corporation ) making the report. Payment history and utilization are examples of " experiences '' therefore they shouldn't be a part of a consumer report. 

Lastly 15usc6802 also known as the gramm leech bliley act, is a federal law and it supercedes all state laws and it most definitely supercedes company policy. Capital One never gave me the option to opt out of them reporting anything to my credit report which in turn is fraud. It's federal law to require a background check to purchase firearms, imagine somebody opening their own pawn shop or gun shop and they say well " my company policy is that we don't do background checks '', what do you think would happen to the owner of that business? This is the same for Capital One. The law supercedes them and I never gave them authorization to report anything to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The following accounts must be deleted as they were opened without my consent. 

I have attached the ID THEFT reports for all of them. That is enough evidence proving they are not mine. 

They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. 

Please delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. 

XXXX - ACCOUNT NUMBER XXXX XXXX - ACCOUNT # : XXXX XXXX - ACCOUNT # : 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 am writing to dispute the following items attached to this complaint, that are still reporting inaccurately after your reinvestigation. I disputed these items through the CFPB in XXXX, XXXX and XXXX. 

My credit reports from XXXX through XXXX will reflect that no investigation was done and that all disputed items are still reporting inaccurately on my credit report. 

I am requesting that you remove the disputed items from my credit report immediately. I have a right to an accurate credit report, and these inaccurate items are harming my credit score and ability to obtain loans and other forms of credit. 

I have enclosed a copy of my credit reports with the disputed items circled, as well as supporting documentation. Thank you for your time and attention to this matter.

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 2023-01-17
Company: U.S. BANCORP
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2020 I was Declared deceased by U.s. Bank to the IRS twice. The first time was resolved by bank manager in XXXX Idaho in 72 hours. The second time was a week or two later and it took three months to resolve the problem. I would try to find out the reason why like asking proof of my death certificate or social security number and they would deny to talk anymore or hang up. I still never got the reason why I was deceased and am worried that something fishy was being done behind my back in U.S Bank. During this time I had a XXXX XXXX XXXX closed credit cards and could not do any loans because I was dead. This issue has been bothering me for the past few years. This all started when I was the power of attorney for my Aunt that past XXXX XXXX 2020. Things are back to normal but I dont feel right about what happened as a consumer in the bank with no reason to explain to me why, what, when, where with no proof in their hands. was there money in my aunts account that was dissappearing, I dont know. I would like an investigation on the u.s bank in XXXX Idaho.

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: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-05-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called several times and spoke to several different representatives all of which confirmed that nowhere on the application was an administration fee which is what the {$150.00} debt they claim I owe which I do not. When I asked for proof of debt they sent a generic receipt. The only fee I was responsible for was a {$50.00} application fee as listed in lease application which was paid and I was denied apartment so I never moved in. The last 3 times I called I asked for a cease and desist and I still continued to get emails. The last call the representative said all he could do was put in a refusal to pay but said my credit will still be damaged because they are reporting. When I said its only on 2 of my reports he said are you sure?? Because we are reporting and its on your credit. All of their calls are recorded so these calls can be reviewed as well as records from me calling numerous times over the past few years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: UNIFOUR FINANCIAL SERVICES, LLC
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: Account information incorrect

Complaint:
I had a vehicle loan with unifour financial and re financed it with XXXX XXXX XXXX XXXX and the payoff for unifour was received late ( XX/XX/XXXX. 
Unifour not only reported 30 days late but also reported a delinquent balance {$15000.00}. This is not correct and XXXX XXXX refuses to correct the information reported as being accurate.the information IS NOT correct and should be corrected immediately as I have photos of my credit reports and emails in which she says she will not change it.I will not settle for anything less than the correction on my credit file and my wifes credit file showing it as paid in full on time.

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 2020-04-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reviewed my credit file and see that there are accounts that I have not authorized, I would like them verified for accuracy immediately as they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 received your response Last ( XX/XX/XXXX ) that you Close MY COMPLAINT # XXXX and XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Account : XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Balance : {$1400.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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 2022-08-17
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: Account status incorrect

Complaint:
On XX/XX/XXXX I was alerted that my XXXX credit account reported to Equifax as a 30 day late. I was not 30 days late at all and this report to my credit bureaus lowered my scores severely. 
When I called XXXX they first claimed it was correct then after reaching out to the CEO of XXXX he looked into the problem and they fixed the late but its still showing 30 days and reporting low points. A See when derogatory hits the credit it takes a huge point away but when hood gets back on its very little points added back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified accounts ( XXXX XXXX, XXXX   XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that ( account name ) was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation