BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX CHILDSUPPORT Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
CHILDSUPPORT Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2023-01-11
Company: EQUIFAX, INC.
State: NY
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 filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Hello. I made a previous claim because I refinanced my vehicle from XXXX XXXX to XXXX XXXX. XXXX XXXX sent a check and I put it in my Chase account and paid XXXX XXXX the same day. A month later Chase pulled that payment back from XXXX XXXX because Chase said they d needed XXXX XXXX  endorsement. ( A Month later ) so they advised us that XXXX needed to do a recall on the check to get the check back. Yall sent a check back but with no information on who the check was for so XXXX sent the check back to Chase back in XXXX. We are waiting on yhe check to be sent back with my information on it so they can know who its for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a report to Bank of America on XXXX XXXX regarding unauthorized transactions in my checking account. I told them i checked my account and the money that i had was being XXXX to this company called XXXX XXXX XXXX. I have never heard of this company and i didn't even know that you can XXXX to a company, i thought it was for close friends and family. The transactions that were sent as following : 1. XX/XX/2021 {$1200.00} 2. XXXX XXXX {$1000.00} 3. XX/XX/2021 {$1400.00} 4. XX/XX/2021 {$25.00} 5.XXXX XXXX, 2021 {$1500.00} 6. XX/XX/2021 {$2000.00} Total Amount : {$7100.00} I told them and asked them what i need to do, they told me they had filed a claim and will hold my checking account and help me open a new one. We had finished opening a new one and then they told me they will investigate this for 10 days and if still unresolved, they will credit me the money temporarily and have another 45 days to investigate. I recieved their denial letter today which is the 10th day dated XXXX XXXX. Their reason is because the transactions in question were completed using a device that is consistant with previous valid account activity. my claim is closed. 

This is not true since i didn't not do any of these transactions. I don't even know you can zelle to a company and i do not know this company called XXXX XXXX XXXX. I am not sure what to do since i have a strong feeling they do not care about this case and i called 2 times to confirm how my status is, every time they told me they were still pending and investigating the case. I feel like the bank just wanted to deny the claim and its like every protocol for big companies like Bank of America. In addition, the investigation work and response is ridiculous. Of course the person that stole my money would have my password and device ip address to send my money. How they did it? I don't know, but have you question who the recipient is? have the investigator contacted the company? why would i send money to this company called XXXX XXXX XXXX.? What the XXXX would i be buying? where is the reciept? and why would i use zelle to pay for anything? I just find it very ridiculous and it seems like a total Bank of America big coporation response to deny all initial claims. I worked really hard for my money and to have my money stolen from me is beyond outrage.

I want my money back from Bank of America, Please help me resolve this issue with them.

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 2023-05-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Well pretty much me and my co owner got a vehicle about almost six years ago we had nothing but problems with the vehicle we couldnt afford to make payments and pay for repairs we broke give the vehicle back to credit acceptance voluntarily and they put it on our credit report. They kept putting late fees and balance increase on our credit reports. Last month I got an email stating that they closed my account out and now the are suing me which is crazy because they are being sued by the state of New York they have been nothing but a headache I am a single mom of XXXX low income and taking care of my XXXX mother .This is said I cant afford to pay the balance off even though they sold the vehicle and I cant afford court this is really stressful please help me thank u

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 2022-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a transaction on my credit card that I did not make. It was a charge of {$150.00} for the merchant, XXXX XXXX. My bank, USAA, originally refunded the money while they did their investigation into the purchase. They got back to me on XX/XX/XXXX stating that they were not going to refund my money and I was responsible for the charge of {$150.00}, so they reversed the charge on my account. 
I have contacted them on multiple occasions regarding this issue just to receive the same letter over and over stating that Im responsible for the charges. 
I contacted the merchant as well as XXXX and both of them sent me proof that my money had been refunded ( see attached documents ). I sent these documents to my bank, but it was to no avail. They sent me the same document stating I am responsible for the charges. My last letter to them was sent on XX/XX/XXXX to which they have not replied. The last letter I received from them was XX/XX/XXXX where they sent the exact same letter as before ( Im responsible for the payments ). They never addressed the evidence I sent them proving that the merchant and XXXX have refunded my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am exercising my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ) to dispute and request an investigation into the accuracy of information on my credit report. 

Account Name XXXX XXXX  Account # : XXXX Account Name XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX  Account XXXX XXXX XXXXXXXX

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 2023-01-11
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is violating my rights and will not process my dispute. Experian is willfully negligent. They emailed me to tell me that will not process my dispute. All identification was sent properly. These erroneous items are defaming my character and hinder my family

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 2021-08-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I called XXXX XXXX multiple times about follow up on file. I was in the XXXX  for about a month. I tried using the mobile app it did not work and I try calling multiple times I kept getting hung up on. I asked the rep to speak to a manager regarding cfpb complaint they said no one was available.Customer is not helping with my concerns and providing me any type accommodations.XXXX XXXX removed my automatic payment, stop calling me, and the app doesnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX Equifax were under 30 days to investigate public record on my person credit I was supposed to obtain.of verification accounts verified I have letters from court. 
houses again and again saying that they do not give information. 
to 3rd parties like credit bureaus or anyone for that matter. Many people have even called. 
the courthouses to receive that information and knowledge. 
that the credit bureaus cant obtain FULL socials and addresses and bankruptcy information. 
So, how does a credit bureau get this information? 
XXXX XXXX is and has been on as security freeze since XX/XX/2022. I have both documentation from both XXXX XXXX and bankruptcy court saying the information had and will never be disclosed from them. so once again you have failed to disclose the VERIFIED account in 30s days. this yet another UNverified account and has lacked the 30-day investigation period to verify because of which I would like all public records that are unverified off immediately including bankruptcy and dismissed bankruptcy. if the full name full address and copy of original documents with full social is not provided this is a verified public record and i would like it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX AND TRANSUNION Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX AND TRANSUNION Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-11-21
Company: EQUIFAX, INC.
State: NM
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 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 2021-08-30
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXXXXXX account was frozen/money was levied on or around XX/XX/XXXX {$2500.00} and {$120.00} for additional bank fees. 

I went to the court to get information regarding a defaulted judgement and I realized that I was a defendant against XXXX XXXX XXXX XXXX XXXX and had my address as XXXX XXXX XXXX XXXX XXXX, NY XXXX. I did NOT live there and XXXX XXXX XXXX XXXX Unions address is in XXXX XXXX NOT IN XXXX XXXX. 

Page 4 : Proof of Service dated XX/XX/XXXX, XXXX Its very interesting that even the processor knew that I did not live at that addressXXXX XXXX XXXX XXXX XXXX NY XXXX Page 5 : Will show address history with New York Department of Social Services ( WIC ). Client was living at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Page 6 : I filed an Order to Show Cause and stated reason I did not appear in court was because they had the wrong addresses listed XXXX XXXXXXXX and XXXX XXXX XXXX, NY XXXX. 

Page 7 : The Court put the case on the calendar again and gave the date of XX/XX/XXXX at XXXXXXXX XXXX 

I went to Court, and the Court told their counsel and the judge what happened and they ignored the fact that I had been served at the wrong address. They rescheduled for a later date. Judge wants me and Kirschenbaum to settle the case, but I am furious that she had a defaulted judgement against me and they have took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
in XXXX  a 9 month cd was taken out for collateral the collateral no longer is needed, but Bank of America refuses to close my CD. the amount is {$200000.00} XXXX i hasve spent numerous hours at the local bank and on the phone and no one has the knowledge to close the CD and transfer to checking

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NM
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 XXXXXXXX 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 explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 dispute 3 bankruptcies on my credit with Transunion in XXXX on XX/XX/2023 asking them to verify these bankruptcies they never sent me any information with my signature on it I ask them to please provide me with paperwork they never did this has been an ongoing battle with them about this matter I have sent them in documents from the bankruptcies court saying they didn't verify 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 non-monetary relief
Consumer complaint received 2021-08-30
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 XXXX  XXXX has done a hard inquiry without my concent or approval. I alredy have credit with XXXX  XXXX so there is no need to ask for new credit 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