BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-08-17
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hackers attacked my Chase checking account costing me {$1400.00} unauthorized XXXX XXXX  transactions to purchase XXXX & I don't even know what that is. Chase voided all my disputes telling me to go 3td party? The time i used XXXX XXXX & XXXX XXXX is to send my grand daughter gas money. It took me getting with an IT Expert to find where hackers have been in my accounts since last XXXX but Chase could not see that fraud was happening & denied me access but allowed hackers to do whatever. 
They allowed hackers to reverse my XXXX XXXX payment & not its in legal repossession 3 weeks after I made my payment. ALL was done on the same day showing hackers in my account attached XXXX XXXX Chase statements & hackers from XXXX, CALIFORNIA & TEXAS. I live in XXXX & use XXXX XXXX XXXX. XXXX Department was notified at less a dozen times. I phone recording emails text messages also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with VEROS CREDIT. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BANK OF THE WEST
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello- I have been trying for WEEKS to get in touch with someone at The Bank of the West to change the account that my automatic payments withdraw from. Unfortunately, every single time i've tried calling ( 4-5 times ), i've sat on hold for almost an hour and noone has answered. 

I've tried communicating with them via their messaging portal, but their instructions dont work. 

I've tried communicating with them on XXXX and they direct me to email their social media account and then respond with a message for me to call their 800 number. The ONE time someone called me, they got into my voicemail and told me to call the 800 number. 

They are not making themselves available to me to properly transact on my account and, as a result, i may miss my upcoming payment.

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 2023-06-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX of disputed information : Secured Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

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 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have reach out to Transunion, XXXX, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

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 2023-04-14
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:
I am writing to report a serious issue involving several companies that I believe have violated 15 U.S. Code 1681a and 15 U.S. Code 1692k. The companies involved are as follows : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX 

15 U.S. Code 1681a : This code outlines the rules for credit reporting agencies and their obligation to maintain accurate and complete information about consumers in their credit reports. Violations of this code can occur if credit reporting agencies fail to maintain accurate and complete information, or if they fail to correct errors in a timely manner.

15 U.S. Code 1692k : This code outlines the rules for debt collectors and their obligation to treat consumers fairly and without harassment. Violations of this code can occur if debt collectors use abusive, deceptive, or unfair practices to collect debts, such as making false statements or threats, or contacting consumers at unreasonable times or in an unreasonable manner.

It is important to note that each of these codes has several subsections and specific requirements that must be followed. The violations can vary depending on the specific actions taken by the companies, but they generally involve actions that are prohibited by these codes.

These violations have caused me significant financial harm, including [ Describe the specific damages you have suffered as a result of the companies ' actions ].

Despite my attempts to resolve this issue with each of these companies, I have been unable to achieve a satisfactory resolution. I am now seeking the assistance of the CFPB to hold these companies accountable for their actions and to ensure that my rights as a consumer are protected.

Thank you for your time and attention to this matter.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Had a loan XXXX XXXX XXXXXXXX paid it on time except it late once. They repossessed it the mouth before it was paid off. Cost me XXXX between the additional XXXX they wanted and the XXXX tow all on the XXXX of XXXX at XXXX. Cost me thousands more due to we were going to take the boat out the next day and we lost the weekend and all the expenses we paid to get ready. Cost me approx XXXX total for a still undetermined reason, I was so mad and had nothing to do with it or anything I could do about it.

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
RE : Requesting a Method of Validation Letter Dear Sir/Maam : I  recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX   Acct # XXXX XXXX Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX   Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,

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 2022-10-24
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. 

Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # 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 XXXX 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 2021-10-08
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had an XXXX Visa card with XXXX XXXX. On XX/XX/2021 the account was changed over to Barclays Bank. 
On or about XX/XX/2021 I received a mailing from Barclays explaining the change from XXXX to Barclays. 
I never received a replacement card from Barclays. I attempted to call them twice during regular business hours, but never got to speak to anyone. I was on hold for a little over one hour each time. The automated menu had a selection for " lost or stolen card ''. After choosing that I was put on hold indefinitely. 
I have never received a statement from Barclays since the XX/XX/2021 change. They have my address. 
I had a recurring charge I had established through XXXX that I keep getting charged for. I don't know whether I am being charged for other charges. 
I do not know my credit card number with Barclays. I do not know what I am being charged for on my account. 
When visiting the Barclays website, I can not sign in. The site just wants me to activate my card. I don't have a card to activate.

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 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello so XXXX complaint was back in XXXX my card was frozen might have been XXXX to from Bank of America due to fraudulent charges so they froze my account for like two three months was put me in stress couldn't pay my bills almost got a victory out of my home almost lost my car cuz I had no access to my money waited for hours and hours on hold with unemployment because the bank stated it was their problem I heard there's a law too on Bank of America for what happened am I going to be part of that lawsuit if you could please get back to 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-23
Company: EQUIFAX, INC.
State: OH
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 XXXX, account number 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 an account without my written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
The account furnished by XXXX XXXX inaccurate and does not belong to me. This item is a utility in a state in which I have not lived in for over a year. This account is an act of 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 2023-02-13
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation