BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: LEXISNEXIS
State: IL
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:
Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX I was reported for suspected fraud activity and my bank accounts in XXXX XXXX XXXXXXXX were closed. Two accounts that my uncle and I had opened in XXXX, which he is the primary signer on both. Unfortunately we ended up being victims of fraud in XX/XX/XXXX. I was attempting to sell a vehicle posted online and the person interested in buying was in Florida at the moment, he said he was going to send the money using online transfer, but without my knowledge he went to an ATM and deposited 2 checks into the savings account. The total amount deposited was {$24000.00} USD. As soon as the bank released the hold on the checks he contacted me because he said that he made a mistake and sent too much money. I returned a total of {$18000.00} USD, which was done by transfer in a branch of XXXX XXXX XXXX in New York, and also with Zelle. Shortly after the Bank contacted me by email stating that the account balance was at critical low risk, this was because the checks deposited into the account were fraudulent and they bounced. Then we began calling the bank, making claims and also reported to the police. XXXX XXXX XXXXXXXX took immediate actions by closing our accounts and reporting us to 2 Consumer Reporting agencies, these are : XXXX XXXX and Early Warning. I disputed with these agencies on XX/XX/XXXX and sent supporting documents, on XX/XX/XXXX I got a positive response from XXXX XXXX, they proceeded to clear and delete me from their records, but Early Warning didn't do the same, they said that the information was correct and would remain on their records. Now 3 years later I requested an updated consumer report and noticed that the information still remained on the report, which is so disappointing because this is a negative situation that affects me. How can the bank and Early Warning accuse me for account fraud? I was a victim of a crime and have a police report that states so. The detective also forwarded the case to the FBI because he classified the crime as Grand Larceny. I tried again to solve this situation with the agency but they say that I can't dispute again. So I really hope that this complaint I'm sending will help to clear my negative report from this agency ( Early Warning ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please send to Tansunion and XXXX. 
I did not authorize these hard inquiries on my credit report. This is fraudulent please remove these as followed Transuion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-12
Company: Bridgecrest Acceptance Corporation
State: MD
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:
I had an auto loan through Bridgecrest secured by my car, a XXXXXXXX XXXX XXXX  XXXX. 

On XX/XX/XXXX, the car was in a total loss accident. Insurance Claim was processed through XXXX, and Bridgecrests loan was repaid in full. After the loan was repaid, Bridgecrest has failed to provide a full refund for the overpayment they received. 

XXXX shows two payments made to Bridgecrest. One payment on XX/XX/XXXX for {$38000.00} and a second payment of n XX/XX/XXXX for {$20.00}. 

Bridgecrest shows they received a payment of {$38000.00} from XXXX on XX/XX/XXXX, repaying the loan in full ( including interest ). They then show this payment reversed on the same day, and then two separate payments received from XXXX on XX/XX/XXXX for {$38000.00}, and for {$20.00}. Bridgecrest claims to have received {$170.00} less than what XXXX actually paid. 

I have received two paper refund checks from Bridgecrest for the overpayment. One for {$150.00}, and the other for {$750.00}. I deposited both checks, and several days later Bridgecrest sent a stop payment for the {$750.00} check and the deposit was reversed. 

I have followed up with Bridgecrest via phone for an explanation several times only to be told their accounting team is working on it and to call back next week. My account access through their portal was automatically terminated once they received repayment, so I have no access to the account information other than the transaction history they shared over email. The Bridgecrest transaction history does not match XXXX payment records ( neither payment amounts nor dates ), and inaccurately shows my XX/XX/XXXX loan payment of {$750.00} was refunded. Bridgecrest has not been able to confirm the amount I am still owed, or when I can expect to receive funds from them despite several phone calls and weeks of waiting. I do not believe they can be trusted to keep accurate account/payment records, and they do not appear to have any intention of refunding me for the {$770.00} of overpayment they are still holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Transunion, I am writing to dispute the hard inquiries that appear on my credit report. According to my credit report, there are several hard inquiries made on my credit profile that I did not authorize, and I believe that they are affecting my credit score negatively.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute any inaccurate or incomplete information on my credit report. I understand that the FCRA also requires the credit bureaus to investigate any disputes within 30 days of receiving a dispute request.

I have carefully reviewed my credit report and noticed that there are inquiries that I did not authorize. I have not applied for any new credit recently, and I am certain that I did not authorize these inquiries. Therefore, I request that you investigate and remove these unauthorized inquiries listed below from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that you investigate and resolve this matter as soon as possible. 

Thank you for your attention to this matter. 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 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 2021-12-01
Company: ENCORE CAPITAL GROUP INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
Midland Credit has not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( XXXX ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Happy Holidays to all the good people at the CFPB. Thank you for your service. It has been brought to my attention that I am being Extorted, discriminated against, and unfairly treated by the deceptive and fraudulent business practices of Bank of America. I have been a client with Bank XXXX XXXXmerica for roughly 2 years. I have given Bank of America at least $ XXXX in overdraft charges and Im still acting in good faith in regards to my relationship with B of A. Sometimes the straw can break the camels back. I contacted Bank of America about the credits owed to me on my account as a result of my deposits and FDIC insurance that isnt applied to my account when it should be because I signed a signature card with my social security credit card number in on the application provided by Bank of America. I received a XXXX credit from the XXXX system to my bank account and Bank of America put a negative sign on my credit deposit to my account and took the money out of my account. I called to get understanding and they told me they had no answers. I am the living Man who signed the application for the account with Bank of America. I deserve my credits & they should not be withheld from me. I am hurt beyond repair. Im tired of XXXX with power. Please help

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 2018-08-18
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, a background check was done on me by First Advantage ( XXXX XXXXXXXX, XXXX, XXXX ), requsted by XXXX XXXX XXXX and by XXXX XXXX for employment purposes.Over the next couple of weeks, I received letters for First Advantage saying they are reporting public record information concerning me to XXXX XXXX and XXXX XXXX.The paperwork said I was XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX. It list the XXXX XXXX XXXX as an XXXX XXXX, when in fact, it was an XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX, that I XXXX XXXX to, on XXXX XXXX. There are various conditions you have to comply to, as a part of the XXXX. In the state of North Caolina, if XXXX of an XXXX XXXX and if XXXX XXXX called for XXXX, you are placed on XXXX XXXX or XXXX XXXX, which can be supervised or unsupervise XXXX.I was on XXXX XXXX XXXX and sometime in XXXX, I weren't able to keep up with my restitution payments as required by my XXXX conditions. My XXXX was XXXX because of this and given a XXXX XXXX by my XXXX XXXXXXXX because the XXXX   had to hear the issue of me XXXX XXXX XXXX of my XXXX.It was reported by First Advantage to above employment agencies that i was XXXX XXXX XXXX XXXX in XXXX, when in fact it was just a hearing to determine whether the judge would revoke, or modify my XXXX because iI couldnt pay my restitution.So the report is inaccurate and caused me not to be able to get employment with these companies. I expressed my concerns but they told me it was correct and told me to go to my local court. My next step is federal court with an lawsuit, but have to follow the proper channels first. All I ask is for this to be corrected or I will pursue legal proceedings in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has failed to investigate disputes accurately and in good faith This is the first of many letters that will calm and be filed. first one as a result of not looking into unauthorized inquiries and removing them. Despite providing no proof of any sort of signed or authorized inquiry of my credit report, XXXX will not delete the fraudulent credit inquiries

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Bank of America has stated to the credit bureaus for several months that my account was properly investigated and updated but how is this possible if this account is reporting inaccurate high balance, inaccurate date of last activity, inaccurate payment history, and reporting both open and closed. This is ground for removal the also violated my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion failed to respond to my MOV letter & failed to delete the tradelines after 15 days. 

Transunion failed to respond telling me how they did their investigation. Who did they talk to at the original credit grantor? Did they write them? Was a UDF form used or was this through electronic automatic dispute verification? Did they contact them at the same address/phone number listed on my report? 

The FCRA says that Transunion has to tell me this in 15 days if I ask. Transunion provided no response nor deletion of the tradelines. Transunion failed to Tell me exactly how they verified this and include the full name of the person they spoke with. 

Transunion failed to respond to my MOV letter & failed to delete the tradelines after 15 days.

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