BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
XXXX remove reporting that capital is reporting pays on time but removed 66 points from my XXXX  profile with XXXX XXXX. Theses practices are fraudulent and must stop. If Iam on time why Iam Iam I losing points One part of the report says Iam doing good then the other says I missed a report. It's confusing and my score she not be affected by XXXX or XXXX XXXX inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid Bank of America all funds owed in a lump sum single payment. I owe no funds to this creditor. I am still being pulled as unpaid and denied accounts because of Bank of America even after receiving documents verifying From BOFA I am marked as paid. This is one of many issues I have with this report. They have reported a account that was under my name to XXXX and XXXX XXXX  both for fraud. I have not committed any fraud, this information is not accurate the account was closed due to over draft which was paid back when I could afford to do so. I was told by BOFA I would be removed out XXXX once paid but i gave neither permission to share or send my information any where at any point. After they received funds I was told they did not have to remove me it was by choice and they had the right to report me. XXXXXXXX XXXX stated only Bank Of America could remove me when i reached out to XXXX XXXX to verify it was marked as paid and stated it was showing unpaid by other banks. I should have obtained agreement for removal in writing but I believed BOFA had good ethics at one point. My rights as a consumer have been violated. this creditor 's risk department closed the account and sent MY information to a furnisher with out my knowledge and when i called I was mislead and provided false information by individuals who work for BANK OF AMERICA -in my opinion to get a payment out of me. Employees are the responsibility of the business and liabilities which is why proper training is required when working with clients personal information as my livelihood has been damaged by BOFA misinformation to me, lack of training their employees and it shows in what is being reported about me. XXXX is a consumer report. I am a consumer I should not be marked as fraud account if they are trying to be " strict '' they need to change the status to something that fits the situation such as account abuse which is a option with XXXX XXXX. if it can not be done then 15 usc 1681e ( b ) needs to be enforced as the reported information is not accurate for my case. Previous documents show it was closed by risk due to over draft but over draft is account abuse not fraud if it was marked as fraud and funds were obtained it should be changed to abuse as clearly it was not fraud. It is not fair to punish me for something I took care of. It reflects as if i commit fraud and that is not accurate. If my XXXX  and XXXX XXXX status as fraud can not be changed it needs to be removed. As 15 usc 1681e ( b ) and per 15 usc 161a ( 2 ) 9 ( B ) but i am trying to be fair even if BOFA has not been.

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 2021-02-04
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:
On XX/XX/2019 a line of credit was fraudulently opened in my name by XXXX XXXX XXXX XXXX with a current balance of {$1400.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified XXXX XXXX compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed 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 explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you again today to inform you I was the victim of identity theft. the accounts I am disputing today for the erroneous accounts in my report and I need them removed immediately, 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 which do not belong to me or were opened without my permission. US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$880.00} XXXX & XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Rent Recovery Solutions
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Rent recovery solutions has violated me pursuant to the FDCPA. 
Rent recovery solutions needs to stop illegal reporting negative activity to ALL consumer reporting agencies. 
I have asked Rent recovery solution to stop ALL communication through medium only via mail. Also including reporting to the consumer reporting agencies and they are still doing so Ive attached the letter ( Exhibit A ) and have their response attached. I never asked for any documentations, I demand per title 15 USC 1692 ( c ) ( c ) them to stop all communication to ANY mediums!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ACCOUNT XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX, XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Business Adv Fundamentals checking account on XX/XX/2023, there was a bonus {$200.00} that was suppose to be credited to the account after I satisfy the terms. As of today, I still have yet received the bonus.

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 2023-08-23
Company: Experian Information Solutions 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:
My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.

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 2023-05-16
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:
I filed a identity FTC report because i found inaccurate accounts on my credit report and nobody is helping 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 non-monetary relief
Consumer complaint received 2022-04-16
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against IC SYSTEM for committing identity theft. I have never given IC SYSTEM, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with IC SYSTEM and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving IC SYSTEM any right to collect on this alleged debt. 
I have never received any documentation requesting validation from IC SYSTEM, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If IC SYSTEM, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IC SYSTEM, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IC SYSTEM, continues its collection efforts, I will file for litigation for actual damages caused and I, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-04-17
Company: RoundPoint Mortgage Servicing LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage staff made a mistake to my mortgage for a year. They purchased two home insurance policies for me. One was from XXXX XXXX XXXX represented by XXXX XXXX ; the other one was from XXXX represented by XXXX under XXXX who reached out to me through Roundpoint. 

I had home insurance with XXXX XXXX during the period of XXXX. On XX/XX/XXXX, after reviewing the XXXX insurance policy emailed to me by Roundpoint & XXXX, I replied that Ill renew my home insurance with XXXX. ( Please see the 1st attached PDF file of this email tread ) I also called the office of XXXX XXXX to cancel my policy with XXXX XXXX. They asked me to send a written statement by email. So I did. On XX/XX/2021, I submitted a written cancellation request when the new XXXX XXXX XXXX XXXX reached out to me. I didnt answer all the sales questions and traps because that was what they had been doing to me already for a few weeks. ( Please see the 2nd attached PDF file of this email thread ). It was clear that my written request was received by the Client Manager at XXXX XXXX. 

However, after I submitted my requests for cancelation, on XX/XX/2021, Massachusetts Property still sent out a bill of {$1900.00} to Roundpoint for the coming term of XXXX. To make the situation even worse, Roundpoint paid this bill without sending me any notice. A few days later, on XX/XX/2021, Roundpoint purchased another insurance for me from XXXX and noticed that I had new home insurance with XXXX. From then on, all I could see was that I only had one insurance company with XXXX. However, I noticed the increased monthly payments and finally found out I had two insurance policies. Unfortunately, this mistake had been with my mortgage for a year. 

Regardless of all the stresses and worries, I hereby request the return of {$1900.00} to me. I would be very appreciative for all the help from your customer service professionals. Thank you!

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 2023-06-09
Company: EQUIFAX, 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:
I am requesting an investigation of my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Balance : {$6900.00}, XXXX XXXX XXXX Balance : {$6800.00}, XXXX XXXXXXXX Balance : {$0.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states 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 instruction. 
15 USC 1666B : A creditor may not treat a payment on a credit card 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 2022-04-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. PLEASE SEE ATTACHEMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-03
Company: ID Analytics, 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: Personal information incorrect

Complaint:
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE DMV BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello my name is XXXX XXXX and my identity was stolen when my purse got taken from me with all my information in it. There was a specific incident on XX/XX/2022 where someone used my information against my will to open an account with XXXX XXXX XXXX name that I wasnt aware of. Along with that i looked into my account more and found other incidents that occurred that I wasnt aware from my identity being stolen. i need this deleted off my account immediately. Please let me know what I can do to speed up the process. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was looking through my credit report and these unverified accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureaus which caused severe XXXX upon 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