BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing this complaint AGAIN because I need to dispute information that I feel is inaccurate, incomplete, untimely, or unverifiable. I have contacted the furnishers and they have agreed to delete these accounts from my file but TransUnion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the numerous complaints and letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) So TransUnion feels they're above the letter of the law and will not explain their policy. 
So now, please provide documents that show the following information is 100 % true, accurate, complete & verifiable. If youre unable to provide me with your methods of verification or verify the legitimacy of the information I need you to remove them from my file. 

XXXX XXXXXXXX XXXX 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 2023-10-19
Company: EQUIFAX, INC.
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. 


Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-03-26
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:
After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. The account number is XXXX and company name is XXXX XXXX there are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have requested that my payments made during the COVID pandemic be refunded on XX/XX/2022. I have been told that it would take over 150 days to receive and when asked for proof that they filed for the refund, I was not given any proof that they had filed for my refund. The Biden administration has stated that the paperwork for forgiveness would become available early XXXX, and loan service providers should provide refunds in a reasonable manner so that I can receive my full forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: WELLS FARGO & COMPANY
State: NH
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:
This in reference to Wells Fargo bank. Reference # XXXX. They illegally repossessed my vehicle and impacted my credit score for five years, exponentially driving interest rates on all aspects of my credit. Their fraudulent cpi program caused me grave financial and emotional harm and financial hardship. I have asked them to immediately restore my credit rating and remove their information 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 explanation
Consumer complaint received 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is Bank of America 's Debt. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by Bank of America. 
Within the next two months I reported the fraudulent charges to Bank of America, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.

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 2023-07-06
Company: EQUIFAX, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
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: Account status incorrect

Complaint:
In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through XXXX XXXX XXXX. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX XXXX wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay XXXX XXXX XXXX at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the lien for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to XXXX XXXX XXXX. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX XXXX and bought a new car, but was told XXXX XXXX XXXX would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe XXXX XXXX XXXX a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. XXXX XXXX XXXX had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.

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 2023-10-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have been a monthly member with Equifax for 8 years. when i log into my equifax account it will not allow me to see my report. i need my report score due to errors on report to include to see if they have been removed. this has been going on for 4 weeks. every time i call equifax technical support they think i need help logging in to my account. I CAN LOG INTO MY ACCOUNT. WHEN I LOG IN EQUIFAX WILL NOT ALLOW ME TO SEE MY ACCOUNT SUMMARY. i have filled out 2 service work orders in the last 3 weeks with XXXX results. plus i just bought a 3 score credit report for {$19.00} and i still can not see my credit summary. i need access to my report. this is going on 4 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a US Bank checking and savings account on or around XX/XX/XXXX. I was supposed to take the following two actions to earn a bonus.

1. Make 5 direct deposits totaling {$6000.00} within 90 days to receive {$400.00} bonus ( US Bank paid this out on time ) 2. Keep {$25000.00} in the bank until XX/XX/XXXX to receive {$200.00}. 

My transfer was initiated on XX/XX/XXXX. 
My funds were kept in the bank until XX/XX/XXXX when i started moving it out as a US Bank representative told me it might take up to 90 days from XX/XX/XXXX to receive the bonus but i was good to move the funds out. I was told that the credit should be received around XX/XX/XXXX. 
More recently, i was told that the bank was researching why i had not received this credit but it would be in my account before the end of XXXX I believe. 

I still have not received it and want nothing more than to get the bonus and close my account at this point.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account name : XXXX XXXXXXXX XXXX ; Account name : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Account name : XXXX XXXX, XXXX, XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15U. 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 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 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 2022-01-18
Company: M&T BANK CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a checking account with M & T bank where I kept a small balance. The account was set up to decline purchases that exceeded the account balance. 

The debit card for this account was linked to two companies that auto-shipped product : XXXX and XXXX XXXX. The card that was linked to these two accounts had an expiration date of XX/XX/2019. 

On XX/XX/2019, these two companies shipped product that exceeded my account balance. The bank authorized the charges which put my account in the negative. The bank then charged me two overdraft fees of {$38.00} each. 

I called the bank and argued that the shipments should have been declined because 1 ) they were charged to a card that was expired and 2 ) the account was set up to decline purchases that exceeded the account balance. 

I explained to the banks customer service agent that I had received the product and would pay for it but was not willing to pay the overdraft fees. The agent told me my only course of action was to file a dispute which I did. 

When I filed the dispute, the bank reversed payment to XXXX, but not to XXXX XXXX, while they investigated the dispute. 

XXXX showed proof of delivery, so the bank declined my dispute ; however, my dispute was not about product delivery, it was about overdraft fees. 

When I tried to place another order with XXXX, I discovered I was a delinquent status with them because they had not received payment for the product shipped in XX/XX/2019 ( amount {$180.00} ). I then paid XXXX this amount plus a {$25.00} XXXXhargeback fee. 

In the meantime, M & T charged off the negative account balance in the amount of {$350.00} and sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I explained the situation to the collection agency and told them I would pay for the {$99.00} XXXX XXXX charge, but not for the XXXX charge because I had already paid XXXX and not for the overdraft fees. They would not accept that and advised my only course of action was to file a dispute with M & T which I did. 

M & T came back with the same response : that I was liable for the entire amount. 

I have been in this loop since XX/XX/2019 without resolution. M & T is not conducting proper research before responding and the collection agency isnt in the position to act in my interest. 

This charge off affects my credit and I am now on a blacklist with XXXX which affects my ability to open a checking account at a new bank. 

I am willing to pay the {$99.00} for the XXXX XXXX services I received if M & T will acknowledge this as full payment and remove any negative reporting to credit bureaus and 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 2023-11-25
Company: EQUIFAX, INC.
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:
On or around XXXX XX/XX/XXXX I disputed a XXXX account listed in my Equifax credit file. XXXX alleges the account was charged-off sometime in XXXX. Yet, the date of first delinquency, which determines the date at which a charge-off occurs, and relative to which the derogatory charge-off will report under law, shows as XX/XX/XXXX. If this date were accurate, the it implies the charge-off occurred nearly two ( 2 ) years AFTER the date of the first delinquency and means the charge-off took place well outside the statutory time-frame of not later than one-hundred eighty ( 180 ) days after the date of first delinquency. On its face this is an error. On or around XXXX XX/XX/XXXX Equifax returned the results of their ( re ) investigation, claiming XXXX verified the information was accurate allegedly occurred in XX/XX/XXXX, which means the account would have been charged-off not later than XX/XX/XXXX, one-hundred and eighty ( 180 ) days after DoFD. The charge-off status, and the charge-off indicators with payment history and status code, can only persist in a credit file relative to an accurate DoFD. In absence of an accurate DoFD the charge-off indicators and status are inchoate and must be removed. Either Equifax needs to prove the charge-off for the account occurred not more than one-hundred fifty ( 150 ) days beyond the Date of First Delinquency, XX/XX/XXXX, else Equifax needs to remove any and all charge-off status codes present within the account history, any and all charge-off status indicators, any and all references to a Date of First Major Delinquency, and the date the DoFD was reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
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: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ... .... THESE ARE DATES AND COMPANYS THAT HAVE UNAUTHORIZED INQUIRIES ON MY XXXX ACCOUNT. I DID NOT AUTHORIZE THESE THREFORE THEY ARE FRAUDALENT. I REACHED OUT TO THE COMPANY TO TAKE THEM OFF NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, 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:
See letters attached delete fraudulent accounts, inquiries and fix late payment reporting errors on the XXXX  XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: Kikoff Inc.
State: FL
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:
KIKOFF LENDING LLC This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with XXXX & they have failed to remove the item

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2022-04-26
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PNC purchased my checking account from BBVA. They account has less than {$5.00} in it. They sent an e-mail today stating that they will begin charging a low balance fee starting in May. I did not hear about this prior to this e-mail. I called them, and they would not close my account over the phone. I do not live near a branch anymore, and am unable to visit one to try to close the account. The rep on the phone threatened to send the account to collections if fee 's cause the account to go to a negative balance.

Company response to consumer: Closed with non-monetary relief