BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the XXXX XXXX breach, so please remove them already.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: CA
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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that this account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXXXXXX XXXX Balance : {$1000.00}

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 explanation
Consumer complaint received 2022-04-05
Company: SYNCHRONY FINANCIAL
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:
Want off report not mine

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big XXXX CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the XXXX XXXX. 

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. I insist on the immediate removal of the identified items, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.

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 2023-04-01
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: Their investigation did not fix an error on your report

Complaint:
I have a XXXX XXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-08-19
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX and XXXXXXXX XXXX both these companies have inaccurate information reporting to my credit report! 
I have never had a agreement or contract with either of these companies and i ask for them to be removed! they are also by law violating my rights 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 non-monetary relief
Consumer complaint received 2019-08-28
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019, my girlfriend and I went into the Huntington Bank at XXXX XXXX XXXX, XXXX XXXX, MI XXXX ( XXXX ) XXXX ( what is listed above in the form I filled out is the corporate office ). Waited over 30 minutes to see someone about setting up a new business account. Note : I'm already an existing 11 year customer with a healthy business account and personal account. We ended up getting the Branch Manager,  XXXX XXXX. Get in her office and she stops me mid sentence and says and she won't deposit the check because " company '' was abbreviated to " comp '' ( which ended up being because of software character limits in the company name ). If that's not enough, she didn't even bother to setup the new business account or even offer to set one up, or look up my existing account. I need to be very clear here, she didn't even " wake '' up her computer or use it at all, she didn't even swivel around to look at her computer. 

We then went to the Huntington Bank on XXXX and the Branch Manager had no problem! Setup my new account and deposited my check. A week later, got my new debit card in the mail and the company name was abbreviated to " Comp '' - yes. Seriously! So according to XXXX XXXX, this debit card would not be valid. Right? Did I mention I had my girlfriend with me when I went in? That is discrimination. This lady needs a job that caters to her discrimination because at the end of the day, no training can remove her subconscious hatred that affects her ability to do her job fairly. 

I called the following week and filed a complaint with Huntington Bank. XXXX XXXX ( phone number XXXX ) called me back from the corporate office and basically just listened, in a later conversation, he admitted he took no action. There was some miscommunication and another person named " XXXX '' ( phone number XXXX ) called from a XXXX area code stating to be from Huntington Bank. He told me he spoke to XXXX XXXX and the reason she didn't setup the account is because the mailing address of the business was at a XXXX store. Remember I said she never once used her computer? I have a witness, she does not. That is her defense. It's an outright lie and falls flat when I say it is the same address of my business account that I've has with them for years. There is really no other explanation than discrimination if I am able to take the check and DBA across town and get the account setup and check deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: ALLY FINANCIAL INC.
State: CA
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:
Ally Financial Has Reported numerous times that I was late on my payments and that I was actually not late on. The last of which is at the end of XXXX and the beginning of XXXX. The first initially happened because their website where I usually make payments was down. I traded the vehicle into XXXX and the debt was paid free and clear but Ally financial still reported that I was late on the car. This is not in accordance with the FCRA regulations.

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, responded to a 0 % balance transfer offer from Bank of America. 
The transfer amount was {$7500.00} plus a 3 % ( {$220.00} transfer fee ). 
Incredibly, Bank of America started charging me interest on this allegedly 0 % offer. 
I refused to pay any interest or additional fees. 
In XX/XX/XXXX I paid off the entire remaining balance on the transfer, including the transfer fee ... total paid to Bank of America was the agreed amount of {$7500.00} plus {$220.00}. 
I have disputed the interest amounts on every single bill, including the latest just received. 
The first date of the original interest charge was XXXX. 
Bank of America has responded with generic letters indicating that nobody even read the disputes, but simply generated a letter saying I owe them interest. 

There is zero doubt in my mind that Bank of America has engaged in a deliberate, deceitful, misleading, and probably illegal, business practice. 

If they did this to me, they almost certainly did this to others.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 act 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 an account without my written instructions.

15 U.S.C 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-18
Company: Experian Information Solutions Inc.
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:
This is my ninth 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 an alleged fraud or extortion. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$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 explanation
Consumer complaint received 2020-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Demanding money everyday. Im severely XXXX, can not pay. Some type of portfolio company? Number changes daily. Numerous request given to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been disputing this debt for a while now. I have provided proof over and over again that this debt was paid to the original creditor. The collection agency keeps going back on reporting this between XXXX and XXXX. Every time I dispute it they state it is paid, change the balance to {$0.00} and the debit to paid. Then I check my XXXX account the next month and the same debt is back as unpaid on the other credit report. 

I am not sure what my option are at this point, but this I NEED HELP getting this fix. It cost me the ability to refinance my car to a lower interest rate and it cost me a percentage point when buying my house. Do I have to hire an attorney to get this fix? PLEASE HELP!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-18
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a payment to my Self Financial credit card on XX/XX/XXXX for {$1000.00} because I always pay off the balance before its due. XXXX was XXXX and its usually credited in a day. As of XX/XX/XXXX the payment is still pending and my card deactivated. It has caused my XXXX score to drop. Ive made payments through my bank account for over XXXX  years. I have made several hundreds of dollars in payments from the same bank account and its never taken this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Information belongs to someone else

Complaint:
We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through TransUnion my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for XXXX, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS 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 2023-07-12
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: Public record information inaccurate

Complaint:
I am writing to file a formal complaint regarding the information I recently discovered on my XXXX XXXX account. It has come to my attention that XXXX XXXX XXXX is reporting on my Equifax credit report, and despite my attempts to reach out to Equifax, I have not received any response or resolution regarding this matter. 

Upon reviewing my XXXX XXXX account on XX/XX/2023, I noticed the presence of XXXX XXXX XXXX as a reported account on my Equifax credit report. I was taken by surprise as I have no knowledge of any business or financial transactions with XXXX XXXX XXXX. The reporting of this account is not only inaccurate but has the potential to negatively impact my creditworthiness and financial standing. 

To address this issue, I promptly contacted Equifax via phone on XX/XX/2023, to dispute the reported account and seek further information and clarification. However, to my dismay, I have not received any response or acknowledgment from Equifax regarding my dispute. The lack of communication and resolution from Equifax is highly concerning and has left me in a state of uncertainty and frustration. 

I am reaching out to the Consumer Financial Protection Bureau to request your intervention and assistance in this matter. I kindly request that you investigate this dispute between myself, Equifax, and XXXX XXXX XXXX Reported : XXXX. XXXX, 2023, to ensure that the reporting is accurate and to rectify any potential errors or misinformation that may be present on my credit report. 

Enclosed with this letter, please find copies of relevant documents, including my XXXX XXXX account information reflecting the reported account from XXXX XXXX XXXX I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and work diligently to resolve this matter. It is of utmost importance to me that the accuracy of my credit report is upheld and that any incorrect information is rectified promptly. 

I kindly request that you keep me informed about the progress of this complaint and provide me with updates regarding any actions taken or resolutions reached. 

Thank you for your attention to this complaint. I appreciate your efforts in ensuring fair and accurate credit reporting for consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank services my mortgage and taxes/insurance are escrowed. TD has failed to pay and remit timely payments for property insurance. There is more than ample escrow funds, mortgage is current and there is no reason to explain this issue. Contact was made on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to resolve this issue. 

On each date listed, TD Bank has assured us that they received the insurance bill and that payment would go out overnight. They failed to complete this simple task and the injury is that insurance cancelled on XX/XX/2018 after 30 days of non-payment. In order to avert cancellation, I personally paid the insurance for one quarter ( even though TD Bank is supposed to pay through escrow ). 

I raise this issue to the CFPB for resolution not just for my case but more importantly to red flag why there is such a flagrant disregard for remitting timely insurance payments. Hopefully, this can help avert the same issue for other consumers that find themselves innocently in this situation where your mortgage firm does not fulfill their escrow obligations and introduces risk.

Company response to consumer: Closed with non-monetary relief