BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
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: Information belongs to someone else

Complaint:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the Date Opened and Credit Limit, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX Date opened is incorrect. 
Credit limit is inaccurate. 


I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2023-12-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i received a check from someone to repay a loan that i gave them. i deposited the check into my account only to have the bank tell me that the check was no good, i did not know that the check was no good but since that time they have since put my account in a credits only status and wont let me hae access to any funds in my account even though the check has since charged back and no other fees or withdrawal will be coming back from the check. they arent allowing me access to funds that are desperately needed to pay my rent, car, and mounting medical bills and putting me at risk of losing my house, car, and life as i can not pay the necessary medical bills i need to keep my continued treatment at home and have been told that my medical treatment is going to stop if not paid soon.the money i my account has nothing to do with the returned check and there is no reason to block me from accerssing funds in my accoint. this is affecting every aspect of my life at the moment and the disregard for my abilty to pay for anything is criminal please have this resolved immediately because this is unacceptable..

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: BB&T CORPORATION
State: SC
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:
It has recently come to my attention that your company has placed an inquiry on my credit report. I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that YOU send me proof that I authorized your company to check my credit on XX/XX/XXXX. 

Please provide me a copy of a signed credit application or document showing I specifically gave your company the authorization to review my credit. If you can not provide me the requested proof within 15 days I request that you immediately DELETE this item from my credit report. 

Please note any template letters, or off subject information requested will be taken as an avoidance tactic by your company.

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 2023-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Subject : Reconsideration Request Regarding Credit Card Closure Dear Bank of America, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address a matter of concern regarding the recent closure of my credit card account with the account number XXXX XXXX XXXX XXXX. 

I am bringing to your attention that the Equal Credit Opportunity Act ( ECOA ) prohibits discrimination in the extension of credit. I believe that the closure of my credit card account and the denial of access to my credit may be perceived as discriminatory.

I kindly request that you reconsider your decision in this matter, taking into account the principles outlined in the ECOA. I value my relationship with Bank of America and believe that resolving this situation amicably would be in the best interest of both parties.

Please review my account information with the details provided below : Account Number : XXXX XXXX XXXX XXXX Social Security Number : XXXX I hope for a prompt and positive resolution to this matter. Your reconsideration would not only be a courtesy to me but also a demonstration of your commitment to fair and equitable credit practices.

Thank you for your attention to this issue, and I look forward to hearing from you soon. 

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 2023-03-13
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-05
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Pursuant to 15 U.S. Code 1666b - Timing of payments, I, XXXX XXXX, federally protected consumer, am aware XXXX XXXX is in violation. I am demanding XXXX XXXX to update my account with no late payments, no negative information reporting to consumer reporting agencies on my behalf and demanding all positive 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 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 explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-12-06
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: Information belongs to someone else

Complaint:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

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 2020-02-14
Company: Experian Information Solutions 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:
After reviewing my most recent credit report. XXXX XXXX, XXXX  and Experian currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX  XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove 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 explanation
Consumer complaint received 2023-12-09
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I inquired a copy of my equivalent report when I had an alert that my credit score had decreased. I then noticed a new collection account from Lockhart , Morris & Montgomery for XXXX XXXX XXXX XXXX XXXX in the amount of {$920.00} date opened XX/XX/2023 past due as of XX/XX/2023. Before a debt collector can report your debt to XXXX or other reporting agencies they need to contact me by phone, mail a letter and wait 14 days for response, or email the customer and wait 14 days. Then if they contact consumer they send a validation notice about the debt and then they can proceed to report the debt to the credit reporting companies. Lockhart failed to follow the appropriate steps and I was not aware of this account being reported. Therefore I am requesting this debt be removed from the credit reporting agencies since the debt was not validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) To protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX For them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Surepay Lending Group LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX my car had a flat tire, I took my car into big o tires to get my tires replaced. Turns out that my car needs an alignment, XXXX of the tires are bald, XXXX is flat and my front control arm and axle need to be replaced and i needed all my tires replaced. I didn't have the money to fix all these issues at once but I really needed my car. I was sold a loan from the cashier, XXXX, about a XXXX interest free loan that could really help me for {$1300.00}. I was never told anything beyond that even when I asked question like " what happens after the XXXX  days ends? ", " how exactly does this loan work? Is it on a weekly payment plan or do I just pay when I want? '' None of these questions were answered properly or were answered vaguely. Even when I called the office, surepay finance, about further details of my loan details and information was withheld from me and i received no new information about the details of my loan or any rules that apply to my payment. or asked further questions to the cashier that sold this to me. I paid an application fee for the contract but when I logged in my contract details changed from a XXXX offer plan to a XXXX day Contract with interest which it's payments after the full year were more than double what I was originally lent. My car broke down a month later XX/XX/XXXX and I lost my job because of it XXXX days later. I didn't have money to pay my loan for about a month, the month of XXXX of XXXX. When I finally got a new job and money to pay off my loan. I logged into the web site to make a payment XX/XX/XXXX. Everything looked fine, I read through all the tabs and rechecked my contract status it still stated that I was in the XXXX day offer and that I still owed the amount I did free of interest. When I attempted to to make a payment the screen changed and said I owed XXXX $ instead of XXXX XXXX When I attempted to make the payment again it showed a new message that said that my contract status was delinquent, my loan was sent to collections, and that the XXXX offer was no longer valid, at this time it's only the XXXX day of my contract. I never received any notice of this change until I logged in today to make a payment. My questions were never answered. I never received emails or letters notifying me of this change but my loan was sent to collections and interest was charged to my loan. The office and the seller never answered any of my questions clearly or failed to respond to any further inquiries about more details regarding my loan or any special information regarding how or when payments needed to be made. I'm still trying to reach surepay finance to resolve this issue as I still fall within XXXX days of my contract and despite their failure to respond to any out reach or messages I have sent them to resolve this issue

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: EQUIFAX, 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:
After reviewing my most recent credit report. XXXX XXXX, Equifax and XXXX  currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX  XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV funding did not Give notice that I can dispute the debt, This junk debt buyer parked a collection account illegally on my consumer reports, I have never done business with LVNV Funding I have No contract with LVNV Funding. This company has violated setion 623 of the fair credit reporting act and Federal debt collection practice act ( FDCPA ) section 1692j LVNV has harm my abilty to obtain credit at a low interest rate. I ; m in the process of purchasing a home for my Family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : 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