BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: AR
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:
As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} US DEPT OF ED/XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX   XXXX XXXX {$0.00}

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 2022-11-27
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: Information belongs to someone else

Complaint:
checking my credit file I've noticed a lot of invalid information. I am intrested in disputing all incorrect information from my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I applied for a Bank of America Business Checking Account under the following link, which is still active now : XXXX  : XXXX. The terms of this deal are the same as they were then : get {$200.00} for making {$5000.00} in deposits within 30 days of opening the account and maintaining that balance for the next 60 days. The bonus would be made within 60 days from the end of the qualifying period. 

On XX/XX/XXXX, my account was approved. ( Day 1 ) On XX/XX/XXXX, I deposited {$5000.00} from an outside bank in the account. ( Day 29 ) I have kept the {$5000.00} in there since to get the bonus and avoid the monthly fees. I should have received the bonus by XX/XX/XXXX ( Day 150 ). I called the representatives at the bank and they were unsure of the bonus and in general not knowledgeable about the products that they offered and kept forwarding me to other people who were not helpful. 

I am asking the CFPB in help in getting me the {$200.00} bonus. 

Thank you

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 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 the attached investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.

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 2022-09-17
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:
I am a real and natural person who is submitting this complaint. On XXXX XXXX, XXXX, I wrote a letter to the credit bureaus asking them to verify every piece of information reported on my credit report. Transunion sent me a letter in the mail on XXXX XXXX, XXXX, stating all information has been verified and updated on XXXX XXXX XXXX account # XXXX. According to my credit report, which I looked at on XX/XX/2022 there are still existing inaccuracies that are showing the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. States I have rights to my privacy.

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RESEND

On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2022-09-18
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:
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 this change. 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 I also have enclosed copies of the Federal Trade Commission 's 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 non-monetary relief
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Blockfi misled investors about how they were using my funds. Won't give me my XXXX XXXX back now I stored with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im not accomplished anything as long as you keep my credit score so low. Im very hard working and not lazy but Im imprisoned by my credit score

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 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
I was denied access to my credit reports from Experian and 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 2022-09-17
Company: EQUIFAX, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.

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 2017-08-02
Company: Seattle Service Bureau, Inc
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I was contacted at my place of work by XXXX XXXX of National Service Bureau. After I indicated that I was the person he was looking for, I told him twice to never contact me at that number again and disconnected the call. Immediately thereafter, XXXX XXXX called my work number again to " verify my employment '' with one of my coworkers. This is absurd since he just finished speaking to me at the very same number. Also, he asked my coworker to give me a message to contact him and left his phone number. Since then, XXXX XXXX called me at my place of work again on XX/XX/XXXX to inform me that he could in fact call me at work. I again instructed him not to ever call me at work again. This is a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXXi called the Wells Fargo Dealer services who holds my auto loan to explain my hardship. I explained that i would have the payment in a few days. I was told that it was fine and they would make a note. On XX/XX/XXXX i was called by Wells Fargo Dealer services about my late payment due. I explained to the lady by the name of XXXX XXXX or something like that. I was told by XXXX XXXX that she was attempting to collect a debt, i responded that i was aware of this issue and i would have the payment in by the following Tuesday or Wednesday. She explained to me that they did not accept mail in payments, i responded to her that i did not say i was mailing in a payment. This was repeated about 4 times as if she didn't hear anything i said. Finally i thought we were finished after i told her when i received my direct deposit i would go online and make the payment on their website. We hung up the conversation. A few days later i checked my account to see if i had gotten my deposit and noticed that i was overdraft over {$500.00}. I called the bank and reported unauthorized debit. The bank took the complaint and refunded the over draft. I called Wells Fargo Dealer services about this and requested to speak to a supervisor about this criminal act. The supervisor listened to the recording and admitted that i never gave any permission for this action. He asked me what i wanted in the way of a solution. My response was to him that at this time i was so angry that i didn't think it wise to make any decision at this time. I explained to him that i felt violated and assaulted. He proceeded to apologize for this act. However it was of no use to me. After taking a few days to determine my what action i should take i received another call from them. I asked that they would please not call my cell anymore as i am still stressed over the first incident. They literally violated my privacy and much more. I made the payment which was {$490.00} the original due was {$460.00}, today XX/XX/XXXX, I got another call about the next payment and now they are charging {$460.00} plus another {$83.00} for being 13 days past due. Why are they charging more this time than before? I wish to file federal charges against them but i do not know how. Could someone help please.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX/DOFED Account Number XXXX Account Name : XXXX/DOFED Account Number XXXX 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
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 paid my car finance off with XXXX XXXX for the amount of XXXX on XXXX XXXX. XXXX XXXX sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with XXXX, XXXX, and Experian its reporting that I still owe XXXX XXXX  an amount of XXXX. Ive contacted XXXX XXXX they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you

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 2020-11-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am very upset over the credit report I recently received! This is totally out of control. This is a written request that you investigate specific items that I believe to be reported in error. 

These items are not correct and are causing me financial and emotional distress because of their derogative nature. 
I don't know where you got the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Resurgent Capital Services L.P.
State: FL
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 noticed unauthorized inquiry on my credit report. In accordance with the FCRA Fair Credit Reporting Act, the account listed below has violated my Federal protected consumer rights to privacy and confidentiality under 15USC 1681. Credit card was opened in my name with XXXX XXXX XXXX XXXX Balance showed {$10.00} which was sold to collection company, LVNV Funding LLC, showing a balance of {$460.00}. XXXXXXXX XXXX XXXX  charged off the debt after not receiving payment. Once charged off, they write it against their taxes. After 4 months this becomes taxable income. Therefore, a company can no longer try to collect the debt, nor sale to a collection company. This is illegal and a violation. They " XXXXXXXX XXXX XXXX '' can not charge off the debt and try to retrieve or dell debt to " LVNV Funding LLC ''. Therefore, this alleged debt must be deleted and removed from my credit report. According to FCRA Fair Credit Reporting Act, unauthorized the items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I opened a new checking account with Bank of America and deposited a check issued by my previous bank XXXX XXXX XXXX XXXX XXXX  ) for {$2700.00}. A few weeks later, I received my debit card in the mail and when I went to activate it, I learned my account had been deleted. I went into a local Bank of America branch and they told me my account had been closed but they were not completely sure why. Several weeks and phone calls later, it was confirmed that my account had been closed due to a problem verifying my identity and that the funds from my account would be sent to me in a check via mail. I still have not received my check, and have called Bank of America several times for an update with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: DE
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 a victim of identity theft. There are fraudulant accounts on my credit profile that needs to be removed immediately. 

Fraudulant Creditors : 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