BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB COMPLAINT : XXXX This is to formally notify you that 30 days after you receive my initial complaint on XX/XX/2023, you are required to respond, not 60 days. According to the Fair Credit Reporting Act, you must respond within 30 days of receiving my dispute letter ; otherwise you will be in violation of the law and may be investigated by the Federal Trade Commission. I understand you may have overlooked this among other disputes. However, I trust you will respond promptly to resolve this issue. This is the initial complaint filed with CFPB COMPLAINT : 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 2023-12-11
Company: EQUIFAX, INC.
State: MO
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:
15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries are in violation according to the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of 1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately. 
15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according XXXXo15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXX XXXX, XXXX A REPORTING AGENCY I DO NOT KNOW i did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION ALSO AS AN INTERNATIONALLY PROTECTED PERSON PROTECTED UNDER THE XXXX XXXX 18 USC SUBSECTION 112 MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND FURTHER FEDERAL ACTION IS IN ROUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
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 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to branch of Bank of america 5 months ago to get mailed verifacation, for this account, from the bank and the manager called a special number, they said they would email me and mail proof that the debt is valid, nothing ever happened. i disputed with XXXX 4 times they said its valid by computor, bank of america cant send validation proof, which i have asked for 4 times, the last time was XXXX weeks ago and said they would mail to me, that has not happen. Bank of America needs to show me WRITTEN Proof this debt is factual. other wise delete from XXXX XXXX Report. 
I have addtional infomation disputing this debt

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 2023-04-11
Company: Experian Information Solutions Inc.
State: WA
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 recently viewed my credit report with Experian Credit reporting agency. There is one item from XXXX, which is not clear and inaccurate. It is listed as a loan from public education, but no payment or closing information is listed. It shows as open, with a balance, but nothing else. 
I have requested from Experian twice to investigate this entry. Both occasions the results came back as completed, but no information was changed. I am not sure what Experian is doing as investigation, or to remedy this entry 's correction. I suspect, I am only receiving an automated reply only, but no action was taken. 
I have attended an XXXX program in XXXX XXXX in Virginia and in Washington XXXX. I have graduated at XXXX XXXX XXXX XXXX in XXXX. I have my XXXX XXXX ever since. The College has not requested, nor notified me, about any outstanding payments or loan amount. To my knowledge, all dues were paid, which allowed my to graduate. I have not heard about this subject ever since. Nobody ever approached me, nor requested anything from me, about this balance listed on my credit report. Since this entry is dated in XXXX, I do not have any more recollection or documentation. 
The credit report shows the following info on my account : ( I also attached the page as a file to this request ) Account info Account nameU S DEPT OF ED Account XXXX Account typeEducation Responsibility Individual Date XXXX StatusOpen/Never late. Deferred, payments begin XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$2200.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1500.00} Highest balance {$0.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met

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 2021-05-13
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I once owned a timeshare with XXXX XXXX in XXXX Florida, due to COVID I explained I could not afford the property. They provided me with a lu-dod program which is paper work with my personal info agreeing to give back the property with the payment giving of XXXX $ I paid received the paperwork and I notarized the paperwork they received and dismissed the paperwork because the notary did stamp was above the signature line. Then they put a late payment on my credit report. Then they emailed it again I did the same notary and sent it again, its been 2 months since original date they received the lu dod paperwork XX/XX/2021. They are violating my consumer rights, and false late payments on my credit, 15USC 1681 under the exclusion section ( 2 ) A ( I ) I need this off of my credit as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: GA
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the 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 date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: NJ
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:
In XX/XX/XXXX, a XXXX leased by my brother, of which I am a co-signer, was towed because it was parked on a public street with an expired registration. The car was unable to be retrieved from the impound lot because the XXXX Offices were closed due to COVID pandemic and a new registration could not be obtained. In XX/XX/XXXX, XXXX retrieved the vehicle and my brother paid approximately {$2300.00} to take possession of the vehicle. XXXX reported this actions as a repossession to all three credit bureaus. My credit score dropped from XXXX to XXXX. 

XXXX incorrectly reported that the account had an overdue balance of {$1900.00}, and was closed. I disputed the delinquency with all three bureaus. XXXX corrected the issue, and my credit score as of XX/XX/XXXX was back over XXXX. Experian corrected the information but did not adjust my credit score. XXXX is still processing the dispute. 

I am here to formally complain about Experian. It is impossible to speak with a representative of the company. I have ZERO late or delinquent payments in my 17 year credit history. The current credit score given by Experian is significantly impacting my life. Experian should correct my score to reflect that the XXXX retrieval was no due to missed or delinquent payments, is currently open, and in good standing. There is an exceptional payment history on that account. 

XXXX has me over XXXX, Experian below XXXX. Obviously this is an error on the part of Experian and must be addressed.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The accounts below do not belong to me. They must be removed immediately. I asked the credit bureaus to furnish proof, provide my signature on any of these loans and they still have not. By continuing to report this they are arresting my ability to maintain employment and conduct commerce. I will file a lawsuit if they do not remove these items IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX - Balance : {$91.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$53000.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$3600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$1600.00} Date Opened : XX/XX/XXXX ; XXXX/XXXX   XXXX - Balance : {$100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX - Balance : {$5000.00} Date Opened : XX/XX/XXXX ; XXXX/XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX ; XXXX XXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX ; Chapter XXXX Bankruptcy - REMOVE IMMEDIATELY Date Opened : XX/XX/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 2023-04-11
Company: Experian Information Solutions Inc.
State: MD
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:
See 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 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2022, I traded in my XXXX XXXX to XXXX of XXXX for the XXXX XXXX. Per the trade, XXXX was to pay off my existing loan with Bank of America for the XXXX XXXX XXXX XXXX did not send out the check to pay off the loan on the XXXX XXXX until XX/XX/2022, so it was reported on my credit that I had two late payments. I called and spoke with the dealership several times during this period because I was notified in XXXX via a credit report ding that the payment was late and the loan had not been paid off. It wasn't until I threatened to leave a public negative review that it was paid off. XXXX stated that they would attempt to dispute the two late payments because they were caused by their negligence, but they did 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 non-monetary relief
Consumer complaint received 2021-11-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Called to report unauthorized and unverified inquiries on my report as my right to do so. Experian representative and supervisor told me that they are not allowed to do so when I know I have every right according to the FCRA. This is not right that they are illegally refusing to enforce my rights as a citizen to protect my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$10000.00} on Friday XX/XX/2022. 
Check cleared the bank that the check was written from on Friday XX/XX/2022. 
Truist put a hold on my check on Saturday, XX/XX/2022. 
I waited a few days, then called customer service. I was told the hold was due to " doubtful recovery of funds '' and was told to go into a branch with the check to possibly get the hold removed. 
I went into branch with the check and was told that if I could provide proof that the check had cleared, that they could remove the hold. 
I emailed proof of the clearing within 2 hours of being in the branch.

The branch leader called me the next day after I sent another email asking for an update and said that it would be done. 
Today is Monday XX/XX/2022, the day my funds were originally supposed to be available and I still do not have the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
After getting my alleged Experian credit score of XXXX I find out after only giving two banks permission to pull credit I have pages. Of hits lower our score by almost XXXX ; points. No- please do NOT give me the XXXX about freeze when the credit reporting agency 's admitbthey can not block all from hitting the credit which they do on a regular basis. Then you have the brokers who literally XXXX you shopping you credit. Opinion by nature of years of experience -And all the while you stand in arrogance and lies speaking of how you protect people. Wow- you KNOW exactly who and what you are. How pitiful the destruction of people for THE XXXX OF THIS WORLD XXXX. Sorry truth hurts. what's the complaint FIX AND STOP 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 explanation
Consumer complaint received 2021-05-13
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:
There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2022-03-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage company PennyMac Loan service llc sent me a letter informing me i have a lapse on hazard insurance, the lapse is 52 days and i am charged {$1600.00}. PennyMac put in place an insurance for a coverage of {$2.00} million, my property 's appraisal price is less than XXXX XXXX and mortgage amount is XXXX  XXXX. 
I checked my policy and acknowledge this lapse. however the hazard insurance i purchased costed {$200.00} annually. This is a serious ripoff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello In XX/XX/2022 there was XXXX fraudulent charges done through XXXX XXXX. My bank account was wiped out. {$3600.00} to be more precise. The XXXX transactions were all done in a matter of minutes and Wells Fargo bank called me to try to put an end to transactions but the account had already been wiped out within a matter of minutes. Wells Fargo has denied my claim simply because its XXXX wallet that was used. This is inexcusable and ridiculous that my bank Wells Fargo is trying to just brush it off like nothing happened. {$3600.00} is money I had been saving for a long time now. And its gone just like that. I have been with Wells Fargo for many years and have never needed them for anything until now. Wells Fargo is really trying to brush this off to the side but I refused to let this injustice just slide. Please help me

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 2021-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation