BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom it may concern, On XX/XX/2023 I sent a letter via certified mail Transunion a national credit reporting agency. Attached to this letter was a photo copy of my identification and a utility bill. These item were to show proof that said letter was coming from me DIRECTLY. In the letter I simply requested them to provide me with their validation procedures for debt claims falsely placed on my credit report. Also asking them to delete any claims that did not follow those guidelines. Along with the following request which by law I am entitled too. 
1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute On XX/XX/XXXX I was sent a computer generated reply which didn't show any documentation from the original creditors or persons which serves as proof that I am in anyway associated with said debt. 

It is my opinion that this response is dismissive, negligent, and showing zero discernment in this companies harmful practices. This seems to be a deterent of my rights to a true investigation afforded to citizens by the Fair Credit Reporting Act. 

It has now been 35 days and I have not received my due process of the above issues. 

This company is in valuation of the Fair Credit Reporting Act and 15 U.S. CODE1681I. My request for information and investigation into the below falsely reported debts was to be completed in 30 days. This company has disregarded my rights and due process. I am now demanding that these items be removed from my credit report immediately.

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 2023-04-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting my student loan account as derogatory. They are reporting late payment from XX/XX/2017 which was declared illegal to report transactions history to credit bureau. This account should be discharged due to the school I went to is listed on the fraud list XXXX XXXX . I disputed this several times with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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 the Fair Credit Reporting act XXXX Account XXXX FUNDING # 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dismissed cases XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX- XXXX All claimed charges against me have been dismissed through court of law. Dispositions were in pending status when all reports were ran and has detrimentally impacted my life. 
The Officer is not the final adjudicator in Legal matters and the report that Checkr has distributed to these companies has impacted my life. I asked all 3 agents in whom I spoke working for Checkr to please pull an accurate report ( Now - XXXX ) and report it to the companies involved XXXX XXXX No action has been done on Checkr 's part to correct my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
In accordance with the Fair Credit Report Act XXXX Account: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.

This is a fraudulent account ; I did not open any account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, i received an email from Capital One Business Spark Checking, that they had noticed some suspicious activity and the accounts were on hold until some information could be verified. Friday, XX/XX/2021, I called the number that was in the email ( Fraud Department ), was told that the recent deposit of {$1400.00} that I had deposited in account XXXX couldn't be verified. So I gave the young lady my clients contact information. HOWEVER, she never verified the information and she has entered incorrect information into CO system. My client has signed a SWORN AFFIDAVIT stating that CO Fraud Department or anyone from CO has contacted him to verify his information. On that same day, Friday, XX/XX/2021, a gentleman screams at me and tells me CO has ended their banking relationship with me and I would receive a letter in the mail of why. He also stated that CO was going to make my clients bank take back the funds with regards to check {$1400.00}. My client felt like CO was saying he had done something wrong and said he spoke to his banker and told them NOT TO REVERSE any money, that he wrote the check and good luck to CO with that one. Now its Friday, XX/XX/2021, and I have no information from CO telling me why or when I will get my funds that were in the account. have been placed on hold, left messages, and tried my best to reach a human and every time it results with hours on hold and finally a message for me to leave a voice mail message and some one will call me back. HOWEVER that has not happed. My access to online banking was completely taken away, and i had not even printed XX/XX/XXXX bank statements. CO never reports on their statements of fees that is charged for overdrafts, however, after some research THAT IS VERY ILLEGAL WAS TOLD TODAY, FRIDDAY, XX/XX/2021 THAT IF WE WOULD GET OUR CLIENT 'S BANK TO REVERSE THE DEPOSIT, THEN THEY COULD SEND US THE BALANCE OF SAID FUNDS. This is because CO should be concerned, one of their people lied and didn't verify the information and said they did ... and said the check was fraud ... Which if it was FRAUD why did my clients bank HONOR THE CHECK, and why is capital one holding my money until my clients bank takes the funds back which would make it look like FRAUD... 

CAN SOMEONE PLEASE HELP..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Penn Credit Corporation
State: PA
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: Billing dispute for services

Complaint:
I had hospital bills and credit cards was on my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I was the victim of fraud for the account ending in XXXX. Bank of America initially didn't accept it as a fraudulent claim when first reported in XX/XX/2022. The account was closed, the balance remained open and payments that were not made were recorded as missed payments on my credit report and the account was charged off. The fraud claim was accepted a year later but the missed payments and charge off was not removed from my credit report. I reported the inaccurate information to XXXX and XXXX but Bank of America stated that the incorrect information was correct. After reaching out to Bank of America over the phone regarding the matter I was transferred 6 times and the matter has not been resolved.

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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear Credit Bureau : I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. 
( 1 ). How did you verify these inaccurate accounts? 
( 2 ). Did you talk to the court and if you did who did you talk with at the court? 
( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? 
( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number : XXXX Date Filed Reported on : XX/XX/2017 U.S. Bankruptcy Court Reference Number : XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.

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 2022-10-06
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2022, I started working with XXXX XXXX. I was applying for a VA mortgage through Homebridge. After several requests, we finally received our pre-approval letter in XXXX. We chucked this up to just human error. After we received preapproval, we discussed rates and he recommended I locked my rate and pay {$3900.00} to lock rate. I was ok with this since we planned on closing with Homebridge. After paying for the locked rate, I started receiving loan estimates that were grossly inaccurate. After the second or third time, I asked XXXX about the incorrect values on my loan estimates as it was making it extremely difficult for us to compare to other lenders. XXXX only addressed part of the issue, and their remained a {$100000.00} error on our loan estimate. Because we received late preapproval, and because it had been several months, and such a huge error on loan estimates, and because our builder was stressing at us to finalize paperwork, we had to leave Homebridge and go to another lender. It wasnt until we told XXXX that we were leaving, that they finally decided to go through loan estimates and make corrections. The coordinator corrected the loan estimate, but XXXX remained hands off and refused to look or answer my questions regarding where the additional funds in down payment was coming from. XXXX, instead, kept threatening us with the money we put down for our locked rate. Telling us we were going forfeit our rate even if we left due to their lack of concern with processing correct paperwork and poor customer service. We had worked with XXXX for months, but could no longer as we felt we would have issues with closings and because our builder was pressuring us to finalize lender documents. XXXX XXXX put us in a very bad position and has now refused to refund our locked rate payment and will not respect our request to withdraw our application. We have asked several times. He stated that he spoke with his VP, XXXX XXXX, regarding the concerns we had about XXXX and his ability to successfully get us through closing, but there was still no concern from Homebridge. We were not offered the opportunity to work with a new broker, or anything. Therefore, we request to change lenders without penalty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
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:
XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Phone # XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXXAccount number XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America did not process my dispute properly. I sent them numerous documents in support of my claim, and they dismissed it on the basis that I had not provided " a receipt '' for the transaction. I told them there was no receipt issued. It was a salon that does not issue paper receipts. They only run the charge through a machine. My hair was damaged by a salon service and I asked for my money to be refunded. I provided an expert statement about the condition of my hair. I provided a statement from a coworker who gave an opinion of how damaged my hair is, and I sent photos of how the merchant stained my hair XXXX through their negligent application of the salon products. They never considered my supporting documents.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX the Account with the US Department Of Education, OPE ID XXXX XXXXXXXX, 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.

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A representative from portfolio recovery associates repeatedly called me even after I requested not to be called, was very rude and used profanity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00} This complaint shall be my follow-up to make sure that the listed accounts are verified and repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief