BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX post Requested an hard inquiry on me credit report with transunion XXXX I investigate my report on XX/XX/2022. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because first I was in process or preparing with filing XXXX XXXX XXXX and second I already had credit through them and had to get place in XXXX The date I filed XXXX was XX/XX/2022.

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 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received an unsolicited credit card on XX/XX/XXXX from Bank of America. Was told that we would receive a letter stating that the account was closed and that it was fraudulent. We never received the letter. XXXX weeks later we called back and nothing had been initiated on their end. They have been completely unhelpful in resolving this matter. The company is saying that it will take up to 90 days to " investigate ''. We are currently in the process of purchasing a home and this may impact our interest rate. Clearly it was an unsolicited credit card, or part of Bank XXXX XXXX recent data breach. Who would be stupid enough to open a new credit card while in escrow?? AND, it was an XXXX XXXX Bank of America card. Who would be stupid enough to fly with 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 2022-04-17
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. 

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement.

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. 

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me.

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ).

In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My compliant is not only that the amount reported to the credit bureau may be incorrect but that they have misrepresented the information on the account which has led to miscalculating how long it remains on my credit report. 

Therefore, I am not sure that any of the information is correct since the account has been clearly reaged before reporting to XXXX credit bureau. Now causing it to be on my credit report for longer than 7 years. 

History : The original debt of {$300.00} for a XXXX XXXX XXXX managed by XXXX XXXX. Due to financial and medical hardship, I became delinquent with this account in the summer of XXXX ( around XXXX ). It went into collection status and although I tried to make periodic payments to the collection agency which totalled to about {$900.00}, there was still a remaining balance due to their continued increases in the amount due which was very questionable when the original debt was only {$300.00}. However, I believe XXXX may have held it for a long time causing the tremendous increase in the amount due. 

The other issue is that when Midland bought the debt in XX/XX/XXXX they may have reaged the delinquency date by reporting it as a new delinquency account after buying the debt from XXXX XXXX in XX/XX/XXXX. As a result, it makes it look like the delinquency date started in XX/XX/XXXX rather than in XXXX of XXXX when the account was with XXXX bank. 

As a result, this has manipulated the date of removal and/or how long it stays on my credit report with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 non-monetary relief
Consumer complaint received 2017-07-16
Company: Experian Information Solutions 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:
Under CFPB case  XXXX ,   XXXX   XXXX   informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided   XXXX   XXXX   a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission.   XXXX   XXXX   informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (   XXXX    ) which was received by   XXXX   XXXX   on  XXXX   XXXX , 2017.

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 2023-05-25
Company: EQUIFAX, INC.
State: WA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended a school that closed down and the school was not accredited I would like to know if this loan can be forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Bankruptcy XXXX  XXXX, US BKPT CT XXXX XXXXXXXX 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 2021-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had money withdrawn fradually by someone 30 minutes away while I still had my unemployment debit card in my wallet. Someone took out XXXX dollars out of my account and I reported it to Bank of America. They did not conduct an investigation and immediately closed the claim without due diligence. 

The money was taken out of my account on the XXXX of XXXX. I made a claim on the XXXX of XXXX, and I received a letter dated XX/XX/XXXX that my case was closed.

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 2022-11-15
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 Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights.

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX  # XXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX violated my rights. 

15 U.S C 1681 section 602A States I have the right to privacy 15 U S C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account with out 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 explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/SAMS XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: MoneyLion 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 had a small loan thru moneylion {$1000.00} I paid it off early on XX/XX/XXXX 10 months early because Im trying to buy a home they report on XXXX of each month but they reported on XX/XX/XXXX on XXXX that i was 30 days past due and over line of credit XXXX same on XXXX on XXXX they reported XX/XX/XXXX XXXX balance I owed I have email from them on XX/XX/XXXX Paid off I called them on XX/XX/XXXX when i saw the updates I spoke with a supervisor he opened a escalation and told me it will be fixed in 30 days I told him no I need it now I need to close on a house he said 30 days again so now it has been 30 days i checked all 3 credit bureaus today XX/XX/XXXX same amounts still showing I called moneylion back they said they will open a new escalation 30 more days I said no no no I demand to speak with a supervisor NOW he said hold on then he said the supervisor said ok to hang on me and that escalation dept will be in contact within 30 days I cant buy my house till I gets this corrections my lease up I had to move my furniture to storage having to move in with my sister because I dont want to lease again I want to buy the house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions 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:
I was incarcerated from XX/XX/XXXX until XXXX XXXX at XXXX XXXX XXXX during the time someone used my name and social to open accounts and seek care, There is no way I should have any medical exspenses or anything else because I was under the Department Of Corrections during the time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$8500.00}

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 2023-07-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been on the phone with LITERALLY XXXX representatives and a TOTAL OF XXXX hours ... I have been following up on my dispute and MOST say they don't see my paperwork and others do... .then when I ask to get to a supervisor, most say they don't have the ability to transfer me, so I have to keep calling back until I finally get someone who transfer me. They claim they do not see an CFPB report, when I log into the portal, and see the date and their response back to the CFPB... which says the are looking into it ... I ask to be connected to the Consumer Affairs office and they seem to put me through to XXXX of their co-workers in the same office. When I ask what department they are in I normally get fraud department. Remind you that calls are averaging about XXXX - XXXX hours PER CALL. They are playing games with me and no one there is giving me the courtesy as a consumer. I don't have time to sit and play games with these people and this is not a joke the way they are handling this situation! I'm also contacting the OCC because they can't continue to treat consumers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 attached XXXX accounts that are reporting errors and inaccuracies on my credit report and need to be fixed they are violating the FCRA and they are damaging my life please delete and also update my personal info

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 2023-05-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief