BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you I that I have been a victim of fraud and that the accounts reporting the Credit Bureaus reporting are fraudulent. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove 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. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$820.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-27
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the XXXXair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 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 .I send to them a dispute to verify it which they said it accurate which was not and they illegally change all the information soon as I send them the inaccuracy. Which by the laws should be deleted. The company should be charge for those illegals activities, I'm sure many people are victims by those illegal activities.THEY violating the credit reporting laws. WHich they violating the laws in front of all the XXXX credit bureaus and they still gave them the power to remain on my credit report which is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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 status incorrect

Complaint:
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXXand on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 )  unknown accounts on my credit and numerous amounts of inquiries which I did not authorize. 

On XX/XX/XXXX I wrote my first letter to XXXX XXXX XXXX. On XX/XX/XXXX and again on XX/XX/XXXX I wrote to the creditor XXXX XXXX XXXX and informed them that the account was unknown to me and that I requested full validation for the account. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and th reply from the company, please note the incorrect address that XXXX XXXX XXXX has relating to this account XXXX of which it is unknown to me. 

To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay. 

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. 

It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to XXXX   XXXX XXXX made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance. 

Under advise, I wish to informed XXXX  XXXX XXXX that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: DISCOVER BANK
State: NH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am receiving several calls a day for debt collection from the following phone number for Discover Card : XXXX It is possible they are calling me from other numbers as well, but this specific number keeps calling. 
I was settling my account and missed a payment due to not enough funds in my bank account. I have received phone calls on the following dates and times : Mon XX/XX/XXXX XXXX XXXX Tues XX/XX/XXXX XXXX XXXX Wed XX/XX/XXXX XXXX XXXX Thurs XX/XX/XXXX XXXX XXXX Wed XX/XX/XXXX XXXX XXXX XXXX XXXX ( twice, back to back calls ) Thurs XX/XX/XXXX XXXX XXXX XXXX Fri XX/XX/XXXX XXXX XXXX XXXX ( twice, back to back calls ) Sat XX/XX/XXXX XXXX Mon XX/XX/XXXX XXXX XXXX XXXX ( XXXX times, back to back calls ) Tues XX/XX/XXXX XXXX XXXX XXXX XXXX ( twice, back to back calls ) Wed XX/XX/XXXX XXXX XXXX XXXX ( twice, back to back calls ) Thurs XX/XX/XXXX XXXX I believe they will try to call multiple more times today I am aware that this is legally harassment, based on debt collection rules that they must follow. I would like them to stop. I do not want to speak with them based on their calls harassing me. I plan to pay off my debt and understand they will stop once I pay it- but this is causing me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i applied for a small business loan with bank of america. No sooner when i submitted my application they send me an alert saying my business account had fraud on it so they shut it down. come to find out many consumers have reported the same thing. this is illegal and has costed me time to move all my payables so i dont get fees added to an already stressful and horrible situation that BANK OF AMERICA CAUSED!

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 monetary relief
Consumer complaint received 2021-04-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car loss accident the dealer I purchase the car from unable find my account because company was sold to new owner without my vehicle leasing info. Dealer not able to find my warranty and gap info in time. Car purchased with gap insurance and extended warranty I was charged additional fees due to Nissan dealer investigation time and mistakes. I am charged more than {$2000.00} additional fees due to Dealer s not able to find the car info. I want Nissan to remove the additional charges and report the mistake to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PLEASE FURNISH ALL WIRE TRANSFERS MADE BY M FROM XXXX OR XXXX XXXX FROM XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX Balance Owed : {$8500.00}

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 2022-10-31
Company: EQUIFAX, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Maximus Education, LLC dba Aidvantage
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am not sure what I need to do about the school XXXX XXXX of XXXX being closed down for stealing money or money laundering. They never told me a loan was being taken out in my name much less 4 student loans. I dont understand how they got a loan in my name with me having no credit at all. I have taken out one loan in my whole life it was for {$300.00} with XXXX XXXX  and thats it. They had me believing that I was receiving a grant and would not have to pay it back because I was a XXXX XXXX  and was not employed at the time. This has been going on now for almost 3 years I have been trying to get this off my back so I can go back and finish college and receive my XXXX XXXX in XXXX XXXX. I really need some financial support here when I call I can never get anyone who is willing to help me get through this and just get it out the way so I can move forward with my life and go back to college basically just a fresh start. I know they have all kinds of financial support due to Covid 19. Am I eligible for any of those options. Please get back to me I so definitely will be waiting for a response. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions 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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 non-monetary relief
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX XXXX, my ssn is XXXX. The issue I am having is with a company from XXXX  XXXX Oklahoma makes XXXX XXXX XXXX XXXX. I one about thats over 7 years 3 months old that is still on my credit report. I have another account with them that will be 7 years old on XXXX XXXX,2020. Finally this company has conducted 2 hard inquiries this year without my permission.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 15 U.S.C 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 non-monetary relief