BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions 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 15 USC 1681.

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 2022-11-01
Company: Experian Information Solutions 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'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 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 explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 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 ) States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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:
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. 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. 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 non-monetary relief
Consumer complaint received 2022-03-30
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-12
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2021-05-29
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:
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX there were 4 charges to my bank of america checking account in the amount of {$290.00} from XXXX services. I called my bank upon noticing these charges and immediatley reported them as fraud. as I have NEVER done business with this merchant. I filed a claim the funds were returned and i filled out an affidavit and returned to the bank to fight these charges. The bank them AGAIN took these funds which caused my account to go into a negative. I called the bank and they advised me that while this dispute was in investigation they would reverse all NSF and returned funds charges to me when the permanent credit was returned by the merchant.c I spoke to the merchant myself and advised them i have never done business or authorized them to pull funds from my account which they confirmed and returned my funds to my account on XXXX. Bank of america charged me a total of {$3300.00} in fees due to this and as of today XXXX have not returned a single one which they have told me numerous times would be done as i have been a customer since XXXX and my account is NEVER in a negative. I called last week and spoke to a supervisor who agreed all funds would be returned to me no later that 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 monetary relief
Consumer complaint received 2018-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
OnXX/XX/XXXXI received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me onXX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXXBank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in.

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 2023-08-15
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: Personal information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. 

TO : TRANS UNION. 
XXXX. 
XXXX. 
To Whom It May Concern : I am writing to ask that you please review your records for me and make any necessary corrections. 
I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. 
Below is a summary of the data in which I am challenging : Personal Information for XXXX, TRANSUNION AND XXXX NAME : XXXX XXXX The only name I go by is - XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV. 
XXXX I only reside at : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX  XXXX XXXX XXXX, NV XXXX. 
Please remove any address you have in your system that does not match - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please the incorrect work history reflecting on my report as well, since I no longer work for the companies listed. 
Sincere Regards, XXXX XXXX. 

Please send your written response to my address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ,Nevada XXXX I am aware that you have been sending out form letters in response to many of the disputes andchallenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you XXXX process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a client of XXXX XXXX XXXX for more than 4 years. I don't escrow funds with them. I pay for my insurance/taxes out of pocket. In XXXX of 2021, XXXX XXXX XXXX decided to send XXXX XXXX more than {$3000.00} for insurance. I have always paid my policy out of pocket. XXXX XXXX has emailed, mailed and faxed the copy of my proof of insurance many times. XXXX XXXX they haven't recieved it. XXXX XXXX  Mailed back a check in XXXX to refund the amount they sent. XXXX says it was cashed, then not cashed. XXXX XXXX sent proof of payment via email, fax and mail. NO response. XXXX has sense taken all my monthly payments and applied them to the negative escrow balance from the check they sent to XXXX XXXX. They have sense reported me to the credit agencies for 30 and 60 days late. I have made my monthly payments every month since the start of all of this. They have all my funds and haven't applied them to my payment. XXXX XXXX resent the check with a letter stating errors and omissions that it was their fault and the check was returned. STILL NOTHING. I have put in over 50 hours trying to resolve this over almost 5 months. My credit score was a XXXX and is now XXXX because of this. I have been penalized for NOTHING I did. It wasn't my fault they sent funds and I have been left trying to resolve, have negative credit reporting and have spent more than 50 hours of my work time handling a situation that should never happened. I have talked to hunderds of people at XXXX and still no resolve.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XXXX, TransUnion, and XXXX, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-06-09
Company: Frost-Arnett Company
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I had procedures done with XXXX XXXX XXXX within the XXXX XXXX of XXXX XXXX. At the time, I was under the impression I had 100 % coverage with my insurance company, XXXX, and was not charged or billed for services. Later, we discovered an issue with my insurance coverage and I was billed by XXXX XXXX and XXXX XXXX XXXX. I have paid off a collection with a separate company and am working to pay off the " bad debt '' within the XXXX XXXX for these services. 

While I was working with the XXXX XXXX to get documents to help provide medical assistance for these charges, it was reviled that no entity can explain why I have a balance of {$1600.00} from the debt collection agency of Frost-Arnett. The medical assistant at XXXX  for XXXX XXXX XXXX shows charges billed thorugh XXXX XXXX however they do not show any charges associated with " XXXX at XXXX. '' The billing department for XXXX XXXX can not find any documents that show other charges or any amount being sent to collections. I was told by the XXXX office on XX/XX/XXXX that the entity is no longer in existence. I can not even find information for " XXXX at XXXX '' on a simple XXXX search. I have NO WAY of being able to verify, dispute, or even review these charges that Frost-Arnett is trying to hold me responsible for. 

When speaking to customer service with Frost-Arnett, I spoke to their assistant XXXX   on XX/XX/XXXX. The only information they have on file is a date of service for XX/XX/XXXX with no doctor listed, only the company " XXXX at XXXX. '' I asked for contact information for this company, so I could review itemized charges. They have NO contact information to give me. They are " not allowed '' to contact the company on my behalf. I confirmed with the assistant who works with Forst-Arnett Customer Service over-the-phone that there is NO way for me to see what I am being charged {$1600.00} for. There was no solution offered to me. 

I am at the risk of my credit being ruined, over charges from a debt collector who can not tell me any information. This company can not tell me what I am being charged or who I can contact to find out why. I am being asked by Frost-Arnett to blindly send them {$1600.00} with no information. I have no way to contact this " XXXX at XXXX '' and the physician that performed the procedure has already billed me separately and has no record of this extra charge. The attached document is THE ONLY peice of information I have and the ONLY information aside from a date of service that Frost-Arnett can provide me as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to financial hardships I filed for bankruptcy about a year and a half ago ; however, I reaffirmed the debt I owed to XXXX XXXX for an engagement ring. During the bankruptcy Weltman, Weinberg and Reis, LPC acquired the debt after the debt changed hands at least twice. I am unsure why a debt collector acquired the debt that I reaffirmed an agreed to pay under the initial terms. Weltman increased the balance I initially owed by {$700.00} ; stating that they did not receive some of the payments. I even asked if the {$700.00} is a fee that Weltman is charging me to service the debt and was informed that it is not. I contacted the company who had the debt initially ( XXXX XXXX ) after XXXX finance company and was informed that the amount due that Weltman continues to provide to me is incorrect. I contacted them most recently last week and was informed that my balance is slightly over {$1400.00}, but Weltman indicates that it is almost {$2100.00} and counting ( with daily interest added ) Weltman however, refuses to correct this error. The debt was reaffirmed ; which means that I agreed to pay it under the same terms as previously agreed to when I initially acquired the debt from XXXX. Lastly, Weltman adds additional interest daily, to the balance owed ; even though I continue to make on-time monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account reporting but I have never had an account with XXXX XXXXXXXX XXXX XXXX XXXX. 

They bought out a bank that shut down in XXXX, WI. 

I had an account with the original bank and XXXX XXXX returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with XXXX XXXX XXXX XXXX XXXX so how can I have multiple late payments? 

Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section. 

I have been violated according to 15 U.S. Code 1692g section a & b. 

If this account is not removed from both my XXXX and Experian reports within 30 day of receipt of this complaint I will sue. 

I have disputed this so many times and nothing happens this is my late time.

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 2019-06-24
Company: Experian Information Solutions 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:
Hello, In regards to information requested to verify my Identity : SSN/Proof of Address, please see the attached documents listed - in regards to my prior complaint. 

The requested removal blockage of entries should be completed asap!

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