BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXXXXXX Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX  Account # : XXXX XX/XX/XXXX late payment was reported XXXXXXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/XXXX 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. 

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 any reasons.

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 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On the XX/XX/2023 i filed a dispute in regards to my XXXX XXXX prepaid card because my card was compromise by someone else then i had to request for a brand new card which i just received but I'm yet to receive the funds which i disputed on and still waiting for bank of America to give me a refund, please kindly get in touch with them so that they hasten my dispute on time.

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 2023-07-12
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unauthorized Third-Party Status, Violation of Privacy, Cease and Desist Communication, and Debt Validation Request Dear Nelnet, I am writing in response to your communication dated XXXX XX/XX/2023, regarding my student loan, which has allegedly been transferred from Great Lakes to Nelnet. I would like to reiterate my previous assertion that your organization remains an unauthorized third party with access to my personal information. 
As referenced in my previous correspondence and the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ), Complaint # XXXX, I have made it clear that I consider Nelnet an unauthorized third party with no legal authority to access or handle my personal information. Despite your claim of being the new servicer for my student loan on behalf of the Department of Education, I firmly assert that you continue to violate my privacy rights according to the Fair Debt Collection Practices Act ( FDCPA ). 
Therefore, I hereby demand that Nelnet immediately ceases all communications with me, both written and verbal, unless you can provide legal proof of your authorization and compliance with the FDCPA. Cease and desist all contact with me, as mandated by the FDCPA under section 805 ( c ). Your continued attempts to communicate with me while being an unauthorized third party constitute a violation of the law. 
Furthermore, I request that Nelnet ceases reporting any information regarding this alleged debt to credit reporting agencies. Any negative reporting or reference to this debt on my credit report is also in violation of the FDCPA. Failure to comply with this request will be seen as a willful violation of my rights. 
Additionally, I hereby exercise my rights under the FDCPA to request the validation of the alleged debt. I demand that Nelnet provides me with the original agreement bearing my wet signature, demonstrating that I am legally obligated to owe any debt to your organization. I expect this validation to be provided within 30 days from the date of this letter, as required by the FDCPA. 
I must emphasize that unless Nelnet can prove with legal documentation that I owe any debt to your organization, I will not acknowledge or accept any further claims or demands. Failure to comply with my requests, both for ceasing communication and providing proper debt validation, will leave me with no choice but to pursue legal action to protect my rights and seek appropriate remedies. 
Please acknowledge receipt of this letter within 10 days and confirm in writing that you will cease all communication, cease credit reporting, and provide the requested debt validation as outlined. Failure to respond or comply with these demands will be viewed as a deliberate violation of the FDCPA, and appropriate legal action will be taken. 
Thank you for your immediate attention to this matter. 
Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Called Trans Union on XX/XX/XXXX. I noticed two Fraudulent Inquiries on my Credit Report. They refused to help me at all. 

1. XXXX  XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX Please have these two inquiries removed 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 explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not get my credit report and my credit scores or verify my info with the Equifax credit bureau I have called them many times and sent my information and requested to correct my report and still no respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a vehicle in XX/XX/XXXX and financed it with TD Auto Finance ( division of TD Bank, NA ). In XX/XX/XXXX I refinanced the vehicle with my bank after multiple issues dealing with TD Auto Finance. They have not released the title to my bank, and my vehicle state registration is now 2 months expired. The state will not renew my registration until the title is filed properly. We did not know about this issue until XX/XX/XXXX when we tried to renew the registration. We have called TD Auto multiple times, filed complaints with the XXXX, called the DMV and called our bank multiple times. We are at risk of getting a citation every time we need to drive this vehicle, and have made payments every month. From what I can find online, legally they have 30 days to release the title, and it's been 8 months. 

TD Auto Finance XXXX ( Former lienholder, still holding title ) TDECU  XXXX ( current lienholder as of XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
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: Public record information inaccurate

Complaint:
I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and the correct address at that time was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. She also stated the incorrect information is displayed on several bankruptcy cases here are all the case numbers she provided to me that had the same identical incorrect information : XXXX, XXXX, XXXX, XXXX, XXXX. I have attached a copy of the petition given to me by the clerk office.

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 2023-07-05
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:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-30
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: Public record information inaccurate

Complaint:
I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX, XXXX GA XXXX and the correct address at that time was XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. The case number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Consumer Adjustment Company Incorporated
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a debt collection on my credit report in the amount of {$730.00} that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
In accordance with the Fair Credit Reporting Act. Transunion, XXXX, XXXX, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you to put a security freeze on the disclosure of my credit consumer report. Also, I wish to opt out of any credit reporting done within my personal information. Under the Fair Credit Report Act youre required to comply. I do not give you my permission to disclose my 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 explanation
Consumer complaint received 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I should have submitted a complaint in XX/XX/XXXX, due to a similar situation, but I was not clear on how Bank of America was conducting business until now. In XX/XX/XXXX, I performed a balance transfer with a 15 month 0 % promotional rate, but continued using my card as normal, with anticipation of paying any interest accruing balance immediately upon statement due date. However, in XX/XX/XXXX I was charged interest of {$1.00} on purchases even though I paid an amount to cover those purchases plus a minimum amount due. I called and had the interest refunded and stated my complaints, but the rep just brushed it off and said " well we usually tell customers to not use their credit cards while carrying a promotional balance. '' Then at the end of XX/XX/XXXX I received another interest charge of {$0.00}. I did not worry about fighting with BOA again as it was a small amount and I quit using the credit card and moved on to another card. Now, I have received an interest charge of {$0.00} for XX/XX/XXXX for a charge I made on an account that the card was saved as a payment method. The charged amount was {$8.00} on XX/XX/XXXX and I even paid an extra {$8.00} on XX/XX/XXXX prior to statement closing date of XX/XX/XXXX but after payment due date of XX/XX/XXXX for statement period ending XX/XX/XXXX. It is now evident that BOA is charging interest on purchases made during a statement period even if payment is made before the close of that statement. Is this type of practice allowable? In my eyes this is exploitation that my conscience views as unlawful but certainly unethical. Sure, it's only {$0.00} total, but I had to call and spend 40 minutes on the phone for {$1.00} just to prevent the total interest from being {$1.00}. If BOA does this to XXXX customers, then they pocket {$16000.00} and most likely I was the only person to spend the time to fight for the interest. All of my credit other accounts with other institutions I have ever used with any kind of promotional apr allow you to pay an amount to avoid interest after a statement has been generated.

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 2020-04-06
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Tried calling Freedom Mortgage to see if they can help during the COVID-19 pandemic and they are only offering forbearance but you have to pay it back after the three months in full. How can somebody pay back three months all at once if youre having troubles already financially due to this pandemic they should be able to willing to put it back to the loan and extend it like other mortgage companies are doing Terrible service

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 2023-07-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone withdrew money from my TD bank account on XX/XX/XXXX. We notified the bank on XX/XX/XXXX who is now investigating

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: Elevate Recoveries, LLC
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: Information belongs to someone else

Complaint:
A {$500.00} collection account from Elevate Recoveries LLC showed up on my credit report out of nowhere. It says XXXX XXXX XXXX I keep track of all of my bills and receipts whether I have the money or not, and I dont have an invoice, bill or open balance from any person, business or healthcare provider for the amount of {$500.00} dollars. I havent had health insurance in a long time so I know that every appointment, prescription, service I get I need to pay for OR I go through the billing dept and always qualify for low income. Not sure why this company is reporting on me. All reports go to my lawyer and Ive brought this up when it first came up and also provided information. I tried getting removed through XXXX XXXX back then ( mistake apparently ) and nothing happened, they said no. Also, if this is a medical/healthcare provider invoice or bill, isnt it against HIPPA law to report this, especially as a collection account? I would hate if my medical records were put out in the public for financial gains. I would like this investigated and removed from my credit collection reports.

Company response to consumer: Closed with explanation