BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 lodge a formal complaint regarding the persistent appearance of fraudulent and inaccurate items on my credit report which are needs to be removed by the credit bureaus. Despite my previous attempts to rectify these issues, they continue to adversely affect my creditworthiness and financial standing. The fraudulent and inaccurate items in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - My credit report still displays an inaccurate address, namely [ Incorrect Address ], which is not associated with me and has never been my place of residence. I have previously disputed this issue. XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$9200.00} - There are an accounts on my credit report, XXXX, XXXX which has been incorrectly listed as a charge-off. This accounts are not in charge-off status, and I have never allowed it to reach such a status. XXXX XX/XX/2022- I have identified an unauthorized inquiry from XX/XX/2022. I did not provide any authorization or consent for this inquiry, and it should not be included in my credit report. I have made numerous attempts to address these issues by filing disputes, providing supporting documentation, and following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, the fraudulent and inaccurate items persist on my credit report, causing unwarranted harm to my financial profile. 

I kindly request that you prioritize and thoroughly investigate these ongoing disputes to rectify the inaccuracies promptly. As stipulated by the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I urge you to adhere to this timeline and provide me with an updated credit report that accurately reflects my financial history. 

Furthermore, please ensure that any fraudulent or unauthorized inquiries are removed from my credit report, and take appropriate measures to prevent any future unauthorized 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Thunderbird Collection Specialists, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm trying to handle this Dispute with the collection agency, and they referred me back to the creditors about a debt that I do not owe. 
When I contacted the creditor, they no longer have my file. 
I Paid full months ' rent was on a month-to-month rental, never late also was not given back my deposit. 
my deposit was {$500.00} the rent was {$620.00} & I had One month extra paid rent. XXXX XXXX XXXX Apartments Owe me a total of {$1700.00} This Apartment complex became very unsafe for me and my kids. I had to move immediately due to the severity of the situation. 
There were people squatting in empty apartments not on the LEASE and these people were banging on tenant 's doors at all hours of the day & night. I was being stalked, followed and asked for change or food from these people. My kids and I were terrified. I filed a complaint with the front office, they said there's nothing they can do and that I had to call police. Here are the police reports. 
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 2020-12-20
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My Father recently passed away on XX/XX/XXXX He had been sick for some time and was in and out of the Hospital including a XXXXXX/XX/XXXX We received a notification from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Addressed to my Mother XXXX XXXX from XX/XX/XXXX Account XXXX AmSher Account XXXX Indicating that we have to pay a debt of {$450.00} First of all y mother had no access to my anything in the house. All billing in the house was under my father 's name, XXXX Looking back into his records I see credit card charge of XXXX starting XX/XX/XXXX each month until a last payment of XXXX ending in XX/XX/XXXX I can tell you that my father returned the equipment based on our request and was provided boxes by XXXX XXXX cancelling his subscription We have never received any additional request from XX/XX/XXXX that this amount We, my brother and I, took over his responsibilities for all his expenses in XXXX including the remaining mortgage on his home After cancelling many of the things he had and since he was going to a home to live out his life we never received anything from XX/XX/XXXX of money owed nor have they reached out to us via mail or email or phone call that money was owed Now, I received this collection letter from this company saying my MOTHER who is also in a retirement home owes this money Need to know how to resolve this. Calling this company is admission of fault and do not want to have that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance to 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 XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXXXXXX XXXX  XXXX Account name : XXXX XXXX XXXX 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 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: World Omni Financial Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022. Received a hand delivered letter that vehicle was past due. I immediately paid the bill over the phone in the amount of {$1400.00}. Account was up to date. 
XX/XX/2022. Vehicle was taken from residence. immediately contacted South East Toyota Finance and was told it was repoed in error. There was no due balance on vehicle. Had to take off work and drive 60 miles to recover vehicle. Was told it would not go on credit due to " unintended '' repossession. 
XX/XX/2022. Spoke with customer service rep ( XXXX ) and manager, was assured it would not go on credit. 
XX/XX/2022. Received first letter saying my vehicle was being sold at auction ( it was in my driveway ) XX/XX/2022. Showed up on credit. Spoke with customer rep ( XXXX ) and said it was reported in error and that it would be taken off. 
XX/XX/2022. Tried to make payment online and by phone. Account is showing closed. Called and spoke with ( XXXX and XXXX XXXX. was told they would send email to have it fixed. 
XX/XX/2022. Account still closed and can not make payment by phone or online, spoke with customer rep ( XXXX ) XXXXReceived letter that my vehicle was being sold in auction, the vehicle was in my driveway. Was told I received letter in error. 
XX/XX/2022. Can not make payment by phone or online. Spoke with customer service ( XXXX ). Was told I could use XXXX. I paid {$700.00} through XXXX. 
XX/XX/2022. Can not make payment on phone or online. Spoke with customer service ( XXXX ). XXXX was received but would be put in an escrow account because account was closed, she would send email to manager. 
XX/XX/2022. Account still closed. Vehicle is showing repoed. Can not make payment by phone or online. 
XX/XX/2022. Credit report still showing repoed remarks with missed payment. I had a XXXX credit score. 
My credit is horrible now. I just want to make payments and know they are going to my account. I took care of the missed payment within the hour of being notified, over two months later, and the only response I can get is " ill send an email to manager ''. Meanwhile nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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 XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. have/ 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 Also states a consumer reporting agency can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
Look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: TX
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 have submitted at least 8 disputes this year to XXXX and Equifax regarding a duplicate account on my report they have never investigated this fully and when they do the account gets removed only to be put back on my report the next month the account with XXXX XXXX  is for the same amount to report it twice the company XXXX XXXX  changed the date of the amount which is also not correct. After multiple complaints to the credit agencies and XXXX  they say they will fix it but never have and this has been going on for over a year. A duplicate account is on my reports from XXXX XXXX  and the agencies refuse to properly investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello CFPB, I opened a Bank of America checking account on XX/XX/XXXX via an advertisement that I received by email from them. The email advertised that I would receive a {$300.00} bonus after completing 3 requirements within 90 days of account opening. The final requirement was completed on XX/XX/XXXX, exactly XXXX  days after account opening. It has been nearly 2 years and the bonus has still not posted. I sent Bank of America a letter on XX/XX/XXXX describing the situation and provided statements showing I met the completed requirements as well as a copy of the email promotion. I received a reply via letter that a promotional code was never supplied during account opening and therefore the promotion would not be honored. But the email advertisement did not mention a promotional code and I applied directly through the link in the email. I have attached all relevant documents for this complaint and hope that you could please help me with this issue. Thank you! 

Kind Regards, 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 monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 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
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have discovered fraudulent and inaccurate information on my credit report, also I have an identity theft report with the FTC.gov department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00}

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 2023-04-18
Company: EQUIFAX, 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:
On XXXX, I submitted a request to block some accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Constructive Public Notice! 

Dear [ Bank of America ], I am writing to inform you that any business or customer transaction conducted with the United States XXXX  XXXX XXXX XXXX is a Direct obligation of the United States and subject to the terms outlined in the attached documents, including the Terms of XXXX XXXX XXXX Files and the fee schedule and Schedule A. 

By engaging in any transactions with the vessel, you are agreeing to these terms and conditions. Therefore, I urge you to review these documents carefully and ensure that your business is fully compliant with all applicable laws and regulations. 

Furthermore, I request that you forward these documents to your legal department for review. If necessary, please appoint a representative or Chief Officer to handle dealings with the United States XXXX XXXX XXXX XXXX. 

As a consumer, it is my right to receive fair treatment and quality products or services that meet my expectations as well as the Uniform commercial Code, Codeof federal Regulations, United States XXXX. I take the matter of consumer protection very seriously, and I want to ensure that my rights are fully protected in any transaction with your business. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXXXXXX XXXX  Authorize Representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Is Harm to the living man Discrimination in any form is automatic default and your company is in Agreement with said attached Documents

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 2023-04-18
Company: KEYCORP
State: NY
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:
Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$10000.00} {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid accountXXXX  balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Went to apply for a loan and their were 4 hard inquiries on the credit report that I don't recognize or authorize as the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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