BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Account : XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. 

Inquiries : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XX/XX/XXXX. 

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.

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 2023-05-16
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 Reporting Act, this credit reporting agency has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2022-06-03
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still Equifax continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts showing that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

Equifax has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and removethe collection account from my credit or report or I will be forced to seek litigationas a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Exeter Finance LLC forged my signature on the Truth in Lending Disclosures. I received in the mail. My name is XXXX XXXX XXXX. 

I never signed or agreed to nothing on the Truth in Lending Disclosures. 

XX/XX/XXXX  I requested the TILA information in person with the Finance Manager. 

Now Exeter Finance LLC has forged a signature of XXXX XXXX and I never saw this contract about TILA. 

I always sign any documents with my government issued ID name XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX place has re aged an account they are reporting on my credit... .i have tried to challenge the 100 % accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated 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 explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2023-07-10
Company: EQUIFAX, 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: 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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHowever , they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
My complain is so simple, I am a modest employee of XXXX and every month I transfer my salary to my checking account of Chase Bank And I settled the automately payment for my monthly rental on XXXX every month the bank take the money to transfer to the account of my landlord in that way she should received on date XXXX every month Well on XXXX XXXX Chase took it XXXX $ from my account and on XXXX or XXXX XXXX the landlord called sayind the money is not in her account I've called to Chase costumer service and they said they had a electronic system problem blah blah blah and they sent the check to the bank of the landlord and should be ojn XXXX XXXX there in her bank/ I believe it them and on XXXX the landlord called me again to say the money is not there I've made other claim by phone where the costumer service didn't answer about my question where is my money? simple question .... all time the lady aanswered as a robot saying do you want to cancel de order?? and saying you can receive your money back in 3 or 5 working day -- - which doesnt works to me because I should pay my rental- they gave me a number of claim - On XXXX XXXX my Landlord ask me to pay the renatal again the money is not in my account and I came to the Bank talk to the manager of the office and she told me she cant do anything to me only cancel the payment order and wait other 5 days when I asked her where is the money she says she doesnt know and I should ask to Chase - insuting really insulting Ive asked her as the bank have my money why she can give me XXXX $ to pay the rental Ive already had XXXX $ in my account I explain her the landlord make me pay XXXX $ per delay day means I have to pay XXXX $ more she said she cant help and I have to cancel the payment ... .... I did And After that Ive received today XXXX XXXX an email saying my cancelation is in process in 5 working days I will get my money back - Today is my XXXX day without my money Chase kidnapped my money my rental and brought me to my life a tons of stress and uncertain information I had to ask a loan to my friends to pay my rental, Why?? If I didnt do nothing wrong and I always pay my bills I want my money back with interests and damage compensation a formal apology from the Bank and I think your department should make an investigation of this dark and fraud practice they can play with life of the XXXX people, I cancelled other order made by XXXX to a wrong number in this case last week by XXXX $ and even said nothing abut it not in my money yet I hope you could help me please to get my money back with interest and damage compensation!!!! or whatever is the law about it Thank you for your attention XXXX was a big surprise when in the bank office they cheked the number of the phone clain and they taold me doesnt exist means on phone they gave me a false numbr of claim, this is s serious acting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
someone fraudently submitted applications for credit without my consent. The following companies were applied to ; XXXX, Care Credit

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to apply for a vehicle and they sent me to a ton of different places rather than just one. I also applied for a credit card and they sent me everywhere some of companies I've never even seen advertised before. Here is a name of all the companies I could find XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Company: EQUIFAX, INC.
State: KY
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:
Equifax Account : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account because child has reached age majority in XX/XX/2014. See attached court decree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, a person made me a transfer for {$200.00}, he sent me the confirmation of the transfer but I never received the money, in the same confirmation he said that if the money was not reflected to the other person in 14 days the money would be returned. To date I have not received the money and I contacted the person who made the transfer and he was not returned the money. I tried to communicate with Wells Fargo and I didn't have an answer, I'm currently out of the country and I don't have a way to go personally to the bank to be able to talk to someone and be able to solve it since I really don't know what happened but I never received the money. 
The number and name of the person is 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 explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account was randomly changed and cheated by the supervisor and customer service of the electronic funds transfer department, and my online banking was locked. They told me that my transfer can be transferred after a while. I did all the verifications and was rejected in the end. The bank was locked. When I told them that it was locked, I asked to unlock it. They told me to go to the bank to deal with it. I am not in the United States and told them. They said that my account has security settings. This setting is my own to prevent theft. Now The reason why it became impossible to unlock. During this period, the translator and the customer service supervisor were playing hand in hand. I didnt help me translate the translation, and it wasnt what I said. They were exposed by me later, and they hung up the phone. Since your bank is unwilling to help me, I ask. Close my account and transfer the money to another bank account Going to your bank will only cause me a lot of trouble I don't want to unlock my account now I request to close and transfer the money to my other bank immediately Thank you this is being accepted What do you bank force me to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of XXXX, I reached out to BofA concerning entering into a deferment program for the loan on my RV. Because of Covid, I was not able to get work. I was able to set up a deferment for my car, so I called BofA to see if they could provide one for my RV. During the conversation, they told me about the program and its benefits and that the payments would be added onto the back of the loan. In XX/XX/XXXX, I was able to start making full payments of {$370.00}. In fact, over the net 12 months, I was able to pay more than the required amount in 8 of the 12 months. When XXXX rolled around, I noticed that my principal amount outstanding had not changed at all. In XXXX, I had made {$4900.00} in payments and yet only {$26.00} was attributed to my principal. I called the customer service area multiple times and they told me different reasons. One reason stated was that " principal payments need to be made via check or at the branch and that the online system was just for interest payments ''. I was never given a straight answer and the account was never corrected, which led me to file a claim with the XXXX. After repeated attempts by the XXXX  to have BofA address my concerns, they finally contacted me in XXXX of XXXX. They told me that while I had a deferment, I was still accumulating interest and that this had to be paid off before payments could be put towards principal. I told them that this detail was never provided to me when I spoke with them or via any paperwork. Basically, the deferment program would eventually lead to me paying more in payments towards the purchase of the RV. Thus, this lifeline that BofA was throwing me during the pandemic was in actuality a case of profiteering, which is unethical and illegal. Had I known the full details of the plan, I would never have signed up for it as it causes more financial hardship in the end. To think that a bank that was getting federal aid would perputuate this upon taxpayers is beyond belief. I asked the bank to pull the call from XX/XX/XXXX, which they were not able to do. I also asked for paperwork that referenced this supposed deferment plan and they could not provide this either. I am asking for the bank to provide the necessary financial remedy which is allocating payments towards principal, but also I think the bank needs to be punished for misleading their customers during a national emergency and profiting off of a national disaster. Please let me know if additional information is needed. Thanks. 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 explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Account # XXXX company name XXXX. Reason reporting late payments on my consumer report is in violation of my consumer rights. 15usc6801 15usc6802 Consumer reporting agency name : experian

Company response to consumer: Closed with explanation