BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing this complaint to dispute the following accounts : Creditors Bureau Associates Account # XXXX, # XXXX, # XXXXThis agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debit. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. Defamation 2.Negligent Enablement of Identity 3.Violations of 15 U.S.C 1692g May contact information is as follows :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 whi
ch 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 2023-03-12
Company: P&B Capital Group, LLC
State: CA
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:
In accordance with the fair credit reporting have 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 that a consumer reporting agency can not furnish an account with out my written instructions 15 USC 1666B : A creditor may not treat a payment late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: KY
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 have sent several disputes in the past to have the account reported under XXXX XXXX Bank removed from my credit reports due to being inaccurate. I contacted XXXX XXXX Bank to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX - Received an alert from XXXX via XXXX that Barclay 's Bank  Delaware had requested credit inquiry. 

XX/XX/XXXX - I contacted Barclay 's Bank and informed them this was not me.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX, Equifax and XXXX to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my XXXX credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my XXXX credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my XXXX credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my equifax and XXXX credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am self employed : XXXX XXXX XXXX XXXX XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: GA
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:
Experian offers a credit boost which list after three consecutive payments of bills such as phone bill, electric etc they will add a boost to your credit score. I have made more than three payments to each account on my Experian credit boost report but its still only reflecting two payments.

Ive tried calling to get an explanation as why after my thrived payment my credit score has not changed nor its reflecting the third payments on my credit report in order to receive the boost they couldnt give me a real explanation and Im using the same bank account linked to my boost that took the first two 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 explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
disputed with the three credit bureaus and transunion and experian have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX balance : {$4200.00} Identity Theft XXXX XXXX XXXX Account Number : XXXX balance : {$170.00}

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The current outstanding balance is {$6200.00} on XX/XX/2023. I feel like I was wrongly charged on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Subject : Request for Removal of Incorrect Collection Account from TransUnion under 15 USC 168i-5 - FCRA Laws Dear Sir/Madam, I hope this message finds you well. I am writing to request your assistance in resolving an issue concerning an incorrect collection account that has been reported on my TransUnion credit report. I believe that this account has been inaccurately reported and is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681.

Account Information : Creditor : XXXX Account Number : XXXX Date Reported : XX/XX/2021 I have already disputed this collection account with TransUnion, but it was verified and continues to appear on my credit report. Under the FCRA laws, I have the right to request verification of the disputed item, and I firmly believe that this collection account is not valid and should be removed from my credit report immediately. 

I request that the Consumer Financial Protection Bureau intervene in this matter and ensure that my rights as a consumer are protected. I kindly request the following actions : Investigate the accuracy and validity of the reported collection account by XXXX  on my TransUnion credit report. 
Verify that all necessary procedures were followed by TransUnion during their investigation of my initial dispute. 
Direct TransUnion to promptly remove the collection account from my credit report if it is found to be invalid or inaccurately reported. I do not owe any debt to XXXX, and therefore, the collection account should not be affecting my credit standing. 

I understand that the FCRA requires you to acknowledge receipt of this dispute within five business days and to complete your investigation within 30 days. I kindly request that you provide me with regular updates on the status of your investigation and any actions taken to rectify this issue. 

I appreciate your prompt attention to this matter and your efforts to ensure fair and accurate credit reporting practices. Thank you for your time and assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Kikoff 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:
To whom it may concern, Kikoff Lending LLC is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( 2 ) iii.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I withdrew {$10000.00} from my account at XXXX in the form a Cashier 's Check. I then walked across the parking lot to Bank of America to deposit it into my checking account, which I have had for over twelve years. 

At the time I deposited it, I was informed that the bank might put a hold on half of it, but {$5000.00} would be credited to my account right away because in their words, " it's the law. '' Later that same day I was informed via email that Bank of America had put a hold on the entire amount until XX/XX/XXXX. The reason given was : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' I called the bank and was told there was no way to get the deposit cleared earlier. 

Had I been informed that the bank was going to put a hold on my money, I would have walked back across the parking lot to get cash.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I went to apply for a vehicle and was denied access to the line of credit that was opened in my name. My application was received and they ran my social security, which by that point we had entered a consumer credit transaction where I, The Beneficial Owner, are owed a line of credit in amount equal to the amount I applied for. In denying me, I was discriminated against ; The amount of credit history has no legal impact on the decision nor is it lawful to deny someone based on information from third party affiliates per ; Federal Reserve Act. Sec. 16 " Issuance of notes '' and " application for notes '' and 15 usc 1605. I also gave a tender of payment to give the bank clarity on what to do with my application which I will provide in the following text box along with a photo of my application.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX I busted an XXXXXXXX XXXX XXXX XXXX so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any 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 2023-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I used the wells fargo online checking bill pay service to pay my property tax. The check for {$6400.00} was supposed to be sent out on XX/XX/ and delivered by XX/XX/ to the XXXX XXXX XXXX XXXX XXXX XXXX  in order to pay for my property tax. The money was withdrawn from my account on XXXX XXXX XXXX however the XXXX XXXX XXXX told me they did not receive the check in time. While this service has worked to pay this bill in the past, this time the payment did not arrive by the promised date. I was charged a {$650.00} late fee. 

Wells fargo documentation states that wells fargo promises to pay for late fees which occur due to them not getting payments delivered on time. I also had support people on the phone reiterate their policy is to pay late fees when their system does not deliver checks to payees by the promised date. 

When I call the wells fargo bill pay specialists to inquire about this case and about them paying this fee for me I get the run around and I get ignored. A wells fargo bill pay specialist ended up telling me they won't pay this fee on my behalf. I was promised a higher level manager would call me back in 24 hours but no one ever reached out to me. 

I want Wells Fargo to hold up their word and pay the late fee I incurred due to their system not getting the check to the XXXX XXXX by the time promised.

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 2023-06-06
Company: AFNI 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:
On XX/XX/2023, it has come to my attention that XXXX XXXX  AFNI, INC., AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that XXXX XXXX  has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with fraud alerts or security freezes

Complaint:
Holding off with putting such information down here and really wanting to know about how effective it might be along this venue (. ) XX/XX/2020 To start something simply enough and whether this venue exists true, I will basicly say of complaint unto what major problem becomes handled. 
I have the Bank Of America not being really responsive or worthy. I have XXXX  cases which more than really abstract along big problems. 
The lawfirms are not willing to respond back at all (! ) 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 2023-07-31
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:
15 usc 1681i ( 5 ) XXXX XXXX XXXX I dispute the account but all 3 offices say account accurate how is it accurate how did you verified it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
had a car loan was charged for insurance that I had in effect. Wells Fargo said I didn't

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed due to an check cashed that I didn't know was a bad check.

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