BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account : Account : XXXX Account : XXXX. 


15 U.S.C 1681 Section 602 A. States I have rights 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 2022-11-05
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$60.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX  XXXX Account Number - XXXX Late Payment - XX/XX/2017 Please update as soon as possible.

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 2023-07-13
Company: EQUIFAX, INC.
State: MI
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 listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681.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 has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had the worst customer experience getting a mortgage from Bank of America. They continually XXXX   to me about their ability to meet deadlines, provided me with incomplete information, and held no accountability for missing our commitment deadline and almost completely derailing our closing. 

The people at fault were : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Across the board, this group of incompetent people cost me hours of stressful time trying manage a process that was completely new to me. And despite me and my wife trying to keep tabs on everything that needed to get done, they STILL would fail to get things done, meet the deadlines they had set out, or disclose certain issues that were ongoing and needed to be resolved. On multiple occasions they outright XXXX to us. At the beginning of the mortgage process, XXXX XXXX let me know that my application documents from their online portal were not displaying for him and he asked me to complete an entirely new application. I told him to fix the issue with his IT team, rather than me spending another hour filling out a new application. He called me back and said the issue was fixed, but then began asking me a series of questions that were all in the application. It became apparent he was trying to trick me into filling out a new application verbally and the problem was not fixed. This was the first insanely obvious dishonest act of many. Leading up to commitment, XXXX assured me DAILY that we were tracking to get our commitment. THE NIGHT BEFORE he told us that we were not going to get our commitment letter potentially for A FEW MORE DAYS because he just didn't do his job and didn't get things in on time. The same thing nearly happened with our closing paperwork. The night before our close, XXXX XXXX had the audacity to tell me that there was a blocking issue with the title insurance company, when it was actually a compliance block on the Bank of America side. This compliance question was even already answerable because Bank of America had the needed paperwork from the title insurance company and just didn't realize it. Thankfully after screaming at the Bank of America team for hours the night before closing, they were able to get the compliance block lifted. If we had not done this, I am sure we would not have closed on time. 

No one should have to endure the horrible experience we had. It made an already daunting process so much worse. I can't tell you the anxiety of having this team XXXX so many things up during the process.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 2023-06-21
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-03-03
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and National credit adjusters/XXXX XXXX If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I recently had a car loan through Wells Fargo for my XXXX XXXX  XXXX, to which I had to sell due to the high interest rate that I have been charged. I also had a checking and saving account with Wells Fargo between XXXX to which they shut down stating falsely that I allowed a withdrawal from my account which was untrue. My account was then banned and my social security was red flagged to other banks up until XXXX. In those 2 years I have not been able to properly keep track of my account and had to use family and friends cards to keep my money safe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
Due respect after CFPB did their investigation on my ongoing credit report with Experian I went to take out a equity loan from my property and Experian still update my report again with XXXX XXXX XXXX  XXXX which was investigated when I went in my cfpb portial it stated company close open account opened XXXX of 2017 this act I never have nothing to do with this company because of this action I have so many hard inquiry it is tasteless i can not get a head in my business this left me with my foster parenting to fail only Experian using this transaction I know nothing about to let me fail the number on this credit report XXXX is unreachableI need your help once again 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 non-monetary relief
Consumer complaint received 2023-07-13
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:
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 XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On  XXXX   XXXX  Bank of  American p aid a check that deposited from my account which caused my account to overdrawn and charged a {$35.00} NSF ; which is perfectly fine. However on  XXXX   XXXX  BofA decided to charge me another {$35.00} fee for " extended overdrawn balance charge '' because I did not bring my balance current withi n 5  business days.     I get paid ever y two weeks and advised that this balance will be brought current on day 7 once my direct de posit hits my account ; however the bank did n't see fit to reverse the charge.     I think this is a very unethical charge and is a predatory charge to the consumer.

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 2023-09-14
Company: EQUIFAX, INC.
State: FL
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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15USC1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. Before you think to reply that this account has been " validated '', lets be clear that I am NOT asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collections/Charge-off Status WITHOUT mailing me a copy of IRS form 1099-c Cancellation of Debt. Equifax and the creditors reporting collections/charge-off, late payments/ other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If these derogatory accounts information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX  XXXX Account Number - XXXX Late Payment - XX/XX/2017 Please update as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Dovenmuehle Mortgage, Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I was effected by XXXX, so I put my mortgage into forbearance in XX/XX/XXXX. 

This year ( XXXX ) I was able to fully recover and recoup my finances to begin paying on my mortgage. After being told by many reps from XXXX XXXX XXXX ( Dovenmuehle ) to just start paying my mortgage, they began foreclosure proceedings. I contacted their Loss Mitigation department and began XXXX paperwork to save my home. I provided all the necessary paperwork but was continually told to provide bank statement after bank statement and HOA paperwork again and again. They continued with foreclosure even though I was in loss mitigation. With help from the VA, I was able to obtain a loan modification. I signed and had notorized the loan paperwork sent to me from XXXX XXXX XXXX/Dovenmuehle and returned it. The VA is in possession of the documents. The loan modification began on XX/XX/XXXX. I have made XXXX and XXXX payments. Dovenmuehle has continued with the foreclosure and served papers to my home. In XXXX Dovenmuehle sent notice that my escrow account is deficient and based it on the principle prior to the loan modification. This has all taken place despite having entered into a loan modification. Dovenmuehle has entered into a loan XXXX, continues to process the foreclosure, is accepting my new loan payment amount, and is adjusting my escrow according to the old loan principle and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida XXXX  and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2022-11-04
Company: ALLY FINANCIAL INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ally Financial Bank is trying to contact a XXXX XXXX to collect debts. Ally is now calling both my wife and my phones to get in contact with him. We have informed them on multiple occasions that while I do know who XXXX is, I do not know his location nor a way to contact him. I have requested that they no longer contact either me or my wife. They continue to call. 

As of today, I have never had an account or debt with Ally Financial. Also, now when they are calling they are not up front in identifying who they are with or that this call is an attempt to collect a debt. They are calling from 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 2021-08-05
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: Account information incorrect

Complaint:
I have attached an account which is reporting inaccurately to two of my credit bureaus, per the FCRA they have to report accurate information. Please delete these from my credit bureaus due to inaccurate reporting.

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