BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts 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 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
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:
the credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i he 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 due to these violations of my rights i have been denied use of my va home loan for years and have dealt with constant XXXX even at this point. it has caused me a lot of grief and pain and cost my marriage. the amount of damage that has been caused due to violation of my rights cant be accounted for

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 2023-12-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This charges on my credit report is a result of identity from XXXX data breach

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 2021-02-16
Company: Convergent Resources, Inc.
State: NY
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 have advised XXXX on several occasions that this account is in dispute and I would like an arbitration form. They have refused to answer me, now I am being negatively reported by this company for the debt. This company has never once sent me a letter telling me they had the debt so I could dispute and advise them that I am disputing this entire debt with XXXX This is unfair, I have not had the opportunity to dispute this and this is negatively effecting me through their sneaky reporting.

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 2022-12-26
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-01-11
Company: Experian Information Solutions Inc.
State: NJ
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 update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 explanation
Consumer complaint received 2023-10-03
Company: Block, Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Cash App scam. {$45.00} was allegedly accidentally sent to me so I sent it back to the sender. Then a dispute was filed with Cash App by the person who sent the {$45.00} and Cash App deducted the {$45.00} from my bank account which caused a {$30.00} overdraft charge, therefore I closed my Cash App Account on XX/XX/XXXX, thinking that would solve it. I also chatted with Cash App online and made them aware and was told by Cash App once its refunded, thats it. I let it go since I closed my Cash App account. Today, XX/XX/XXXX, I checked my bank account and another {$40.00} came out. I called Cash App and told them it was fraudulent. He said there hands were tied and the charge was disputed again by the same person. I told him I was more worried about this stopping as there XXXX be 50+ charges that he could dispute and I need to know how to stop this scam from continuing as my Cash App account was closed XX/XX/XXXX and Cash App charge is continuing. He told me that his hands were tied. Ive been to my credit union today, cancelled my debit card, and disputed the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised

Complaint:
Im writing this complaint to express my frustration of the conduct of these banks, trying to take advantage of me, by filing a Foreclosure lawsuit against me on a secondary/balloon loan they implied with my primary mortgage co. in XXXX with them. These Banks then in XXXX advertised on the radio that they were holding a 1-Day seminar on mortgage loan modifications to reduce interest rates drastically on the spot which they held at XXXX XXXXXXXX XXXX XXXX in XXXX. I & several other Homeowners were selected, and in fact, had our interest rates & monthly payments, reduced with our maturity dates extended & approved by them on the spot, which they also guaranteed they would file required paperwork to the XXXX XXXX Recorders office. It was just brought to my attention on Thursday, XXXX XXXX, XXXX that they did not file all required paperwork to the XXXX XXXX XXXX office on secondary/ballon loan as they should have & guaranteed. However, they did file required paperwork to XXXX XXXX XXXX office for primary loan only! Mind you both loans & modifications were done at the same time again by these banks, therefore Im taken aback by the fact that they arent taking accountability for their errors & mistakes. It seems as though they did this purposely. 
I trust this is not the way the banks wish to conduct business with valued, loyal customers. I have been with these banks since XXXX. This has affected several Homeowners & is probably a worldwide issue. I have contacted the Attorney Generals Office, it was advised to contact CFBP as 1st step into having my issue investigated & Im trying to be an advocate for us all to stop these banks from trying to take advantage of Homeowners with equity in their homes so they can make even more money off of us who have worked so hard to pay our loan payments, and keep our homes to have a roof over our heads. I am most annoyed & dissatisfied with their conduct, due to the fact that I have been paying my reduced monthly payment of {$130.00} with interest rate of XXXX XXXX under modified maturity date of XXXX since effective date of XXXX until XXXX ( Lender ) unexpectedly discontinued taking automated payments from my checking acct. due to incorrect maturity date in their system. XXXX XXXX indicated to me in XX/XX/XXXX that my loan has been put into foreclosure status despite the fact that its due to the negligence of the Banks & I have tried several times to resolve this issue, but to no avail, its obvious that I did not cause this situation. I welcome the opportunity to discuss matters further & learn how you propose to prevent similar situations from recurring. I look forward to hearing back from you as soon as possible about this unfortunate situation. Thank you for your 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 explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: IL
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-05-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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'm concerned about the additional products that I was told I had to purchase plus the high rate of interest down payment etc etc with credit acceptance I filed a complaint with the attorney already but I mean I'm trying to make sure that I follow through with all the steps

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It should be known that due to a data breach from XXXX XXXX XXXXXXXX, my personal info. Was obtained and attempted to be used for fraudulent intentions. Due to data breach, I was subjected to identity theft where some unknown person tried to apply for credit in my name. As of now no accounts were opened and only hard inquiries are a result from data breach and identity theft. I have contacted most of the companies about the hard inquiries and was told to contact the credit bureaus. The credit bureaus assert to contact the companies. All are passing the buck. A letter from XXXX XXXX XXXX is incorporated as to the data breach. A copy of poli XXXX report is herein included for review. Finally, a identity theft report from the Federal Trade Commission is also included for review. All procedures have been properly followed and the consumer request that all bureaus remove said inquiries due to data breach and identity theft because he did not authorize them and is suffering adverse affects from them. Under federal law, the bureaus are required to remove or block them within 4 days. There are 3 hard inquiries at transunion. There are 6 hard inquiries at XXXX. Finally, there are 6 hard inquiries at XXXX. Only XXXX is to remain with XXXX. The consumers full name is XXXX XXXX and his d.o.b. is XX/XX/1973. The last 4 of his social security number is 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of reporting for accounts XXXX XXXX, XXXX, XXXX XXXX, XXXX of 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANS UNION IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. MY XXXX XXXX XXXX CREDIT CARD AND XXXX CREDIT CARD BOTH SHOW INCORRECT BALANCES AS WELL AS CREDIT USAGE. THE BALANCE ON THE XXXXXXXX XXXX XXXX CARD IS {$3.00} AND THE BALANCE ON THE XXXX CREDIT CARD IS {$3.00}. THE USAGE IS SHOWING XXXX XXXX. THIS INFORMATION IS INACCURATE AND I AM UPLOADING DOCUMENTS AS PROOF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX Phn : XXXX XXXX XXXX Subject : Opt-Out Request Pursuant to 15 U.S. Code 6802 Section C and 12 CFR 10167.7 Dear ________________Consumer Assistance, I am writing to formally request that you cease and desist from including my consumer credit information in any prescreened lists provided to third parties for the purposes of extending credit offers, pursuant to the provisions outlined in 15 U.S. Code 6802, Section C. I believe this request is well within my rights as a consumer, and I trust that you will promptly adhere to this directive.

Enclosed with this letter is a certified Uniform Commercial Code ( UC ) 11 search, providing evidence that there are no outstanding liens against me from any of the following Information : All hard inquiries All Public records All Collections accounts All late payments No one has the authority or my written consent to report by law.

This document serves as confirmation of my financial standing and further supports my decision to exercise my right to opt-out under the legal provision.

I would like to draw your attention specifically to 15 U.S. Code 6802, Section C, which states : " C ) Opt-out. A consumer shall have the ability to prohibit a consumer reporting agency from making any prescreened solicitation to the consumer with respect to any transaction that is not initiated by the consumer, by notifying the agency in accordance with procedures established under subsection ( e ). '' In accordance with the law, I hereby notify you that I am opting out of any prescreened solicitations with respect to transactions not initiated by me. I expect you to promptly process this opt-out request and ensure that my consumer credit information is not included in any prescreened lists provided to third parties.

Furthermore, I refer to 12 CFR 10167.7, which outlines the procedures for consumers to opt-out of prescreened solicitations. I request that you adhere to these procedures and confirm in writing that my opt-out request has been successfully processed.

Please send confirmation of my opt-out status to the address listed above. If there are any additional forms or information required to complete this request, kindly provide those details promptly.

I appreciate your prompt attention to this matter and expect you to comply with the legal provisions mentioned herein. If you have any questions or require further clarification, please do not hesitate to contact me at the phone number or email address provided. 

Thank you for your cooperation in this matter. 

Sincerely, Enclosures : Certified UC 11 Search

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