BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2020-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
Bank of America took more than 45 days to investigate my complaint. Also they did not fix the inaccuracies that was reported on my credit profile. The late payments on my credit report under Bank of America credit card is negatively affecting my financial health and ability to obtain financing.

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 2018-04-30
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: Information belongs to someone else

Complaint:
I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : Experian : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Experian address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts :  Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX   Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX  Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , GA XXXX XXXX fraudulent accounts ; Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : PXXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXXXXXX XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA 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 2024-01-02
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on XX/XX/2024 I received a letter from Diversified Adjustment Service INC trying to collect a debt from me. They stated I gave them permission to contact me which not true. They are not original people who I signed a contract with. they are trying to collect {$620.00} from me but didn't provide original contract in email. This was charged off by original contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently reviewed my consumer report and noticed some unauthorized inquires & accounts on my report and my right have been VIOLATED. In pursuant to 15 USC 1681 section 602A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. None of the creditors complied with the gramm leach bliley act ( 15usc6802 ) i was never given the ability to opt out and my information was used without my permission which is identity theft. The hard inquiries & a few accounts on my report constitute being identity theft as well because the corporations that furnished them on my consumer report never had permissible purpose or written permission by me to even put them on my report. the permissible purpose law ( 15usc1681b ( A ) ( 2 ) & the GLBA have been violated which results in identity theft. 18usc1028 ( a ) ( 7 ) defines identity theft which is someone possessing, transferring or using a means of identification of another person unlawfully. Failure to comply with FCRA can cost anywhere from XXXX to {$1000.00} per violation, in addition to punitive damages determined by the courts. With that said, these companies has not only infringed my right to privacy but also violated multiple Federal Laws. I have also reported this to the Federal Trade Commission, reference # XXXX. Below will be a proper list of inquiry names with dates & accounts that I demand to be removed/deleted from my consumer report immediately! 

XXXX. XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXXS ON XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX, XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX FXXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/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 2024-01-06
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: Public record information inaccurate

Complaint:
The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable.

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 2020-03-30
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
PNC Branch offices closed due to virus in XXXX XXXX XXXX XXXX Residents about half of whom are over 90 using atm for the first time. The interface on the atm default process for deposits is express cash which has a 2 % fee for immediately available funds. Fee is disclosed and an option for standard availability is available. However few residents are sufficiently fiscally aware to understand that choice. 

I asked the bank to remove the express cash option for our community. They declined. 
I asked the bank to send out a letter to customers offering an opt-in for the feature. They declined. 
Our residents are generally are on fixed incomes or have portfolios that have lost significant value. At the very least PNC should refund any fees that are charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collectors are reaching out to me nonstop for debt collection that I was not aware of.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: In progress
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Dear Equifax you are in Violation of Fair Credit Repair Act ( FCRA ) Remove the following account from this credit report immediately and I do not authorize any of these items to be reported once removed. 

1. XXXX XXXX Bank ( Remove this account due to inaccuracies with account type ) -This account status is being reported fraudulently. 
The original creditor has confirmed this account is in good stand and the status of this account is OPEN not closed. 

Please present methods of verification of this account directly with the original creditor. Please provide evidence of validity of the errors being reported. 


A complaint has been filed with the Attorney Generals Office of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  Account name : XXXX and XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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 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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid car loan off in XXXX XXXX. After multiple conversations due to late payments reported in XXXX and XX/XX/2023 due to app payment issues, this was not removed. I paid loan off due to frustration and XXXX weeks later have another late payment reported on XX/XX/2023 even though the balance is XXXX and I received refund for over paying. Bank of America admitted the issue on XXXX XX/XX/2023 at XXXX and told me they would fix but to also call the credit bureaus.

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: Experian Information Solutions Inc.
State: MS
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 submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I submitted a complaint again dated XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-04-23
Company: EQUIFAX, 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:
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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 and XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX and XXXX 15 U.S.C 1681 SECTION 602 A. STATE 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTS CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATESYTHE REPORT BY MORE THAN 7 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 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 2023-04-23
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:
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. XXXX XXXX : # XXXX, 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 XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: ACIMA CREDIT, LLC
State: CT
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:
This account is not being reported accurately. I do not owe any money on this account. This account was paid in full and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has included an alleged bankruptcy on my consumer report without oral or written consent or validation of the alleged item. I've written to the company numerous times regarding the methods of verification used to disclose this item. The company has yet to give a reasonable explanation for any of the information I've requested in a letter dating back to XX/XX/2021. 

The company has not only infringed upon my right to privacy but has caused a great deal of stress in my life. The action of the company also constitutes fraud.

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 2021-08-19
Company: Bliksum, LLC
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:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation