BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-11-10
Company: Grain Technology, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a account with grain technology that I continuously have issues with. I have been trying to get my counts paid and resolved since XXXX of this year. I can not get in contact with a representative via phone or do they respond to numerous emails I have been sending them. I even took the measures of trying to contact this creditor via social media. I have get maybe XXXX responses a month after my email if not longer. I finally got a representative to respond with a payment invoice which did not work. This account has now been closed since of XX/XX/XXXX. This company has been racking up interest and fees and tearing my credit apart when all Im trying to do is assess my account and pay my debt. I have not been able to get a line of credit with my own job because of this one creditor I have not been able to get a vehicle for my family because its one creditor. I have delinquencys and now the account has been closed and charged off and yet I still can I cant say great technology. I have been fighting with the credit bureaus about this I just dont know what to do anymore and Im pretty sure this is not legal. Can someone please contact me back with the next step is that I should take or point me in the next direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have XXXX business accounts that with TD bank that i wanted closed because i dont like how the bank handles certain things. I emptied the account and called and requested both of these accounts to be closed. They told me it cant be closed over the phone.. I have no idea why but i told them I cant come in for medical reasons. I requested to fax whatever was needed in and demanded the account to be closed. 1 of the account i wanted to close was left open and was allowed to over draft for {$2.00} which they then charged maintainence fees and overdraft fees before it was later closed. The other account was also closed after they left it to accrue fees maintence and overdraft fees. 

The accounts are for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
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:
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 : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 2023-02-09
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 XXXX XXXX XXXX, ( Original Creditor XXXX XXXX XXXX XXXX ), Account # 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 non-monetary relief
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-07-09
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was with us auto sales but they closed down. Now I'm with westlake portfolio management my due is incorrect and they have proof of my current job and pay schedule and the fact that us auto sales changed my due date before they took it over. They also still have me paying for gap insurance which was in my contract they took over. If they don't honor my gap insurance then my payments should be lowered. There are also fees for car insurance added to my account that was already taken off by us auto sales. I've kept car insurance during my whole car note. I've spoken with two managers once on the XX/XX/23 and on XX/XX/23. They keep saying they are submitting it but no update. While still getting late fees and phone calls to pay. They also have my contract for the gap and proof that my due was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following accounts below : XXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$23000.00}.

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 2022-02-17
Company: EQUIFAX, INC.
State: MI
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 sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions 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:
I am tired of XXXX XXXX beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with XXXX since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from XXXX XXXX claiming that an auto vehicle belongs to me. Paper work documents sent to me from XXXX XXXX was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including XXXX XXXX DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have one auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and XXXX XXXX keeps choosing to look the other way and not help me. I was told by an EXPERIAN Fraud XXXX that I should take XXXX XXXX to XXXX. I do not have the money, time, or energy for that to take place. I have 2 XXXX  parents both with XXXX that I can't even afford to put into home health care. XXXX XXXX opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and XXXX XXXX wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. XXXXXXXX XXXX XXXX is holding me back from living life, liberty and pursuit of happiness.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/XXXX, XXXXTransunion responded but XXXX and XXXX 's XXXX is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-10-10
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: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, I 'm writing on behalf of my mother XXXX XXXX, property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
In XX/XX/XXXX, my mother was approached by a loan officer of Bank of America for a reverse mortgage. At the time, my mother was diagnosed and legally declared XXXX. The loan officer knowingly gave my mother a Reverse Mortgage while she was declared XXXX XX/XX/XXXX. 
At that time, in XX/XX/XXXX, my mother was not even living in the subject properly listed above. My mother living her Sister, XXXX XXXX. 
I recently spoke to a friend about my mom 's situation, and was told all the activities were done in XX/XX/XXXX was against the law and HUD/FHA guidelines. 
My mom 's property is now in jeopardy of a foreclosure if all he back taxes are not paid up by XXXX XXXX, XXXX. 
I really need your help looking into this matter and stop the foreclosure proceeding since the loan was not even supposed to given to my mother. 1. my mother was not XXXX at the time, and 2. she was not an occupant at the time. 
Any supported documents for my mother 's condition at the time can be provided to support my claim. 
Thank you so much for you time and assistance.

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 2023-06-09
Company: LEXISNEXIS
State: TN
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 formal complaint to Lexis Nexis asking them to verify the bankruptcy on XX/XX/XXXX XXXX  XXXX case # XXXX filed XX/XX/XXXX that is on my profile with them they sent me a letter stating they verified the bankruptcy with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand Lexis Nexis directly owned by XXXX which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. 
Lexis Nexis is getting that information from a 3rd party XXXX and furnishing that information to XXXX, XXXX and XXXX without permissible purpose 604 15 U.S.C. 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: Credit Systems International, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.CSIIs Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated

Company response to consumer: Closed with explanation