BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX, nc, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute on Credit Report under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Dear TransUnion, In accordance with The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to notify you of discrepancies on my credit report dated XX/XX/XXXX : XXXX. **Date of Birth** : My correct date of birth is XX/XX/XXXX, while the report lists XX/XX/XXXX. 

To resolve this dispute, I would like to refer you to this [ In accordance with The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to notify you of discrepancies on my credit report dated XX/XX/XXXX : ]. 

Please investigate and correct the aforementioned inaccuracies as mandated by the FCRA. I anticipate your prompt attention to this matter. 

Sincerely, [ 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 2023-06-01
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 information incorrect

Complaint:
I have made XXXX payments of {$610.00} since XX/XX/2023 on a loan for {$22000.00} and only 2 payments have been reported and balance shows 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 2023-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: General Motors Financial Company, Inc.
State: LA
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:
I pulled my credit report and noticed several inquiries that I did not authorize. On my XXXX report I see 2 inquiries from GM Financial and 1 from XXXX XXXX on On XXXX. 

On my XXXX report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-01
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX US BKPT CT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/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 2023-03-21
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have numerous court records showing Navient has sent out old loans to XXXX XXXX who sent them to a collector named XXXX and XXXX who are now collecting on accounts Sallie Mae determined were not mine! This took place over 10 years ago and now they are re opened. Navient has passed this off as a court record yet THEY own the contracts. I have told them over and over and over these were closed by Sallie Mae and they even contacted me about not collecting on them again. Navient is hiding behind the debt collectors ( XXXX and XXXX and XXXX ) who illegally filed records without serving me. I have asked over and over to have this re opened at the courts and they have not done so. XXXX responded to my complaint claiming I said it was fraud and I never said such a thing. I said I was never served and Navient is responsible for this. Sallie mae passes me to Navient who passes me to XXXX who passes me to XXXX and NOBODY is doing a thing! I want this case re opened and the garnishment stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently started to monitor my credit reports and noticed alot of fraudulent inquiries, charges, accounts, etc. I First disputed this particular account from Citi Bank with all three credit bureaus. XXXX, XXXX, AND XXXX ALL " INVESTIGATED '' the Citi Bank Account. All three came back with different answers and all report different information. On XX/XX/2022 I finally called and got ahold of someone at Citi Bank. I spoke to a young women and told her I didn't know my account number or any information about the account because it was opened fraudulently but I noticed it on my credit report and wanted to have it removed and asked her what i needed to do to fix it. She asked me for the account number i told her a second time I didnt have XXXX because the account was opened by somone else. She then asked for my social security number. I gave it to her and she then aksed for my address i gave it to her then she asked if i had another adderss. I told her no. She then said please verify some information for me and asked me a bunch of questions about old acounts and information i should only know. Alot of the questions I couldn't answer. She then asked me for my address and phone number then she tells me to wait for a call from a different department. On XXXX I get a bill from Citi Bank saying I owe them {$350.00}. I check My credit report and they updated The account with my information. Not the Original information and my credit score went down XXXX points and Has a derogatory remark on it. This is not right. I called to have them fix the issue not make me responsible for a fraudulent account. They never called Me or emailed me either. They need to be responsible for this fraudulent inquiries and remarks and making my credit score significantly lower than it was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I made a deposit of {$1000.00} ( a government check from the state of California ). Initially, the teller advised me there was a hold on the check. After explaining to him that the government check should not be placed on hold, another teller and the branch manager assisted in reversing the deposit transaction, and made the deposit again, making sure to select the correct deposit options that indicate the type of check being deposited. At this time, I was told that there was no hold on check and the funds are available to be used. After logging in online to make sure the information was accurate, I did see the availability of the check. The deposit receipt also did not indicate a hold. 

Around XXXX XXXX that night, I received an email from Bank of America, stating that the check I had deposited was being placed on a XXXX business day hold. I called BofA the next day and provided them information on Reg CC hold limitations on government checks. I was told by the representative that this was due to the account being new, even though the bank 's deposit account agreement states that even for new accounts ( under 30 days ), government checks are to be available on the next business day, which was not the case for my deposit. 

I walked over to the XXXX XXXX branch and was told by the branch manager that the type of hold placed on the check was due to back office suspicions of the check possibly returning. Again I explained that the check was a government check from the state of California, but he indicated that there was nothing he could do. I asked him to call the back office to see if there was anything he could do. The branch manager called this " back office '' department to see if there was a way to remove the hold, which they did not. Bank of America has violated Reg CC by not only not providing the availability notice to me on my deposit receipt, then verbally telling me that the funds are available, which was later confirmed online by me, but they also violated the regulation by later placing an extended hold on the government check that is well under {$5000.00}. They are required to make these funds available to me at most by the next business day and have not done so. 

To further add insult to injury, the branch manager also told me that this back office department places holds on deposits when they get suspicious that the check might return for insufficient funds. I fail to understand how that would be possible in the case of a check that is written from the State of California. These checks are typically treated like cashier 's checks, unless you are making your deposit at Bank of America apparently.

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 2022-05-01
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-08-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Number:XXXX has violated my rights. Or a 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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want to make it clear that I did not provide authorization for anyone else to use my information to open this account.

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 2022-04-30
Company: Mid-South Adjustment Co., 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:
MID SOUTH ADJUSTMENT ACCOUNT NUMBERS : XXXX, XXXX, and XXXX. 

There are three accounts total with the same partial number. 

These are a complete violation the NO SURPRISES ACT. 

This is a violation of the HIPPA Laws. 

I never gave Mid South Adjustment a HIPPA written authorization to obtain my medical information or use them in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I obtained a loan for a vehicle that turned out to be a lemon in XXXX of XXXX. I voluntarily gave up the vehicle. The company sold the vehicle at auction for more than I owed. I was told the debt was settled. Then in XXXX I received a notice if wage garnishments from the loan company. I then found out they lied to the courts about serving me any documents. Again in XXXX they lied again about serving me and was granted another judgement against me. This is the worst type of fraud. Now they keep reporting this to the credit bureaus as a new debt every so often so it doesnt come off. I cant afford a lawyer and as they use the courts that are located 100s of miles from me I dont see how I can fight it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I kindly request the removal of this late payment from my record as it does not accurately reflect my payment history, and I have consistently met all my financial obligations 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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  account has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states 604 A section also states a consumer reporting agency can not furnish without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open card account under an open consumer credit plan as late for and purpose.

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 2018-09-14
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The Thomas Agency Inc. did not forward information to the updated address of my company listed with the State of Maine. Instead, they knowingly used unverified information to send sensitive financial information to a previous address that is not associated with my business and was never contact information provided to them by myself or the company attempting to collect. 

The Thomas Agency Inc., upon being confronted over the telephone with this fact on XX/XX/2018, maintained forcefully that they are not obliged to verify the information they obtain and that they are free to send my company information to whomever they wish. 

My company 's address is up-to-date with with the Maine State business registry and on it's official web site. The information The Thomas Agency Inc. willfully used was provided to them by XXXX, a data aggregation and sales company that holds no license or accreditation. 

I requested that they only send information to the updated address, available freely on official registries and provided directly by me. They threatened me by telling me they were free to send my information to whomever they please and would continue to do so, citing that the account is a corporate account and not a personal account. 

As an agent connected to the original company requesting debt collection, XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated there Privacy Policy.

Company response to consumer: Untimely response