BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

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 2023-09-15
Company: EQUIFAX, INC.
State: PA
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The 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 me or the companys customer service representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-27
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have been a victim of identity theft, and the issue is that multiple fraudulent accounts were opened without my consent and authorization. As a matter of fact, for a very long time, I was unaware that these fraudulent accounts were reported on my credit report. After being notified about this issue, I contacted the credit bureaus and the creditors, including DISCOVER BANK. I informed them that I'd been an identity theft victim. DISCOVER BANK opened an account using my social security and personal information without my permission, and they needed to stop doing that. I told them DISCOVER BANK used my personal information without my consent ; they opened an account without my permission and required me to control and delete the bill because it was a FRAUDULENT account. I spoke with DISCOVER BANK 's fraud team and consumer affairs and with many supervisors, investigators, and executive fraud team members. They all try to deflect the fundamental issue of removing and disputing this account, and they want to blame me. The bill currently has an outstanding balance of {$1100.00}. However, I have told them I never opened the report, was never involved with this account, nor conducted any business with DISCOVER BANK. I do not use credit cards in general. DISCOVER BANK is violating my rights and reporting a fraudulent and derogatory account that does not belong to my credit report. I have been a victim of identity theft, and the history that DISCOVER BANK furnished was given to an identity thief, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Bread Financial Holdings, Inc.
State: GA
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On my XX/XX/2021 credit report, DEPTEDXXXX has added a Late Mark on my credit report per XXXX and TRANSUNION. Upon further research, this account has no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not verify the debt and anybody can send a bill and say its mine. I have sent 5 rounds of dispute, asking for verification of these Late Payments, but I never received any response. According to FCRA, DEPEDXXXXXXXX  has violated my rights as a consumer and Im requesting legal action to remove this account 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 2021-05-05
Company: BSI Financial Holdings, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been ignored and threatened by various mortgage advisers especially the last one. Am with XXXX XXXX now thru BSI and XXXXes so over worked and back logged he cant even call back even though I begged for corona virus forbearance assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: American Credit Acceptance, LLC
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: Investigation took more than 30 days

Complaint:
I arrived in the United States in XX/XX/XXXX, and I bought my XXXX XXXX XXXX  in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, financing it at 20 % interest. They told me that they would report my payments to the credit bureaus to help me build my credit. After two months, my payments were not showing up on any credit report, so I went to the dealer to complain. The following month, I found out that my loan had been sold to American Credit Acceptance. They called me and said that they would report my credit, but I needed to make three months of payments with them before they could do so. 

In XX/XX/XXXX, I called American Credit Acceptance because my monthly payments were still not showing up on my credit report, and they had not reported anything. They told me that it would be reported in 10 days. After 20 days, I called them again because my payments were still not showing up on my credit report, and they said that they had filed a dispute with XXXX and that it would take 3-4 days. I called XXXX, and they said that they had not received any report from American Credit Acceptance. A week later, I called American Credit Acceptance again, and they said that they would not report my account due to limitations in their system ( which they did not explain ). I have been paying 20 % interest on my car since XX/XX/XXXX, and they are not even reporting my payments to the credit bureaus. They told me that the only option I have is to refinance, but I have been paying them for 7 months, and they have been lying to me and keeping my money without even reporting it. I am filing this complaint for their bad practice, the lies they told me, and the time wasted. 

Currently, I have four accounts in my credit, not including the car because it has not been reported. I have a XXXX on XXXX score and XXXX on XXXX XXXX score. I opened my oldest account in XXXX with XXXX Bank, and now I also have an account with XXXX and four credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received an email on Sunday, XX/XX/2021, stating that I sent a XXXX payment of {$700.00} to a XXXX person which I did not authorize. I called Bank of America to see if the payment was fully completed in hopes of stopping it. They stated it was completed so I did not know what to do. After that, I called both XXXX and Bank of America after I fully understood my rights and what I can do about an unauthorized transaction. 

By the end, I was able to file a fraud claim, Bank of America placed a hold claim on my account and asked me to called back to open another one on Monday. That was exactly what I did, the very next day. They transfer the rest of my money out of the account and told me I would get results within 45 days. I received a letter on XX/XX/2021, that stated my fraud claim has been denied due to having found the transaction inquisition was completed using a device that is consistent with previous valid account activity. 

I must make it clear that I have only paid my credit card bills through their mobile app. On top of that, no one in my family has access to any of my bank information. My parents barely speak XXXX and both my sisters are in grade school. I only linked XXXX to Bank of America to accept the XXXX XXXX. And I only had three outgoing transfers. One to XXXX in XXXX, one to XXXX University for my summer classes, ( both through their website on my computer ), and one I made today at the bank. 

I never used XXXX or planned to use XXXX to send money as I already have XXXX for that. I called Bank of America to email me the documents used in the investigation but did not received anything yet. I barely make {$700.00} a month as I am a full-time college student and I am not willing to lose {$700.00} on a transaction I did not authorize myself.

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 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
All credit report agencies are reporting an alleged bankruptcy on my credit report profile. I asked how they verified information, was told XXXX who I then contacted them directly they said they could not validate information and would remove it. I then sent the credit reporting agencies proof of that noticed, they then gave me statement now saying the bankruptcy courts told them about this alleged bankruptcy. I contacted bankruptcy courts and sent all 3 credit agencies notices from the court indicating they did not and yet they refuse to remove this false information. Attached is proof. I need all 3 credit bureau ( XXXX, Transunion and XXXX ) to remove this inaccurate information as my score is being penalized for it.

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 2023-06-13
Company: EQUIFAX, INC.
State: SC
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with BridgeCrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police report. I sent in the affidavit and other documents showing I didn't make this online car purchase yet they still will not remove this from my credit report. I even sent in the payment of {$9700.00} per XXXX when I called into BridgeCrest over a month ago and the car is still showing on my XXXX and XXXX credit report. This isn't fair and I might have to hire a lawyer to sue BridgeCrest. The car was never purchased by me then I send in the documents they required to remove the loan and I also sent in the payment amount shown on my credit report and confirmed by XXXX that works for BridgeCrest in the amount of {$9700.00} and the account is still on my credit reports. I need someone here at the CFPB to help get this mess corrected asap for it isn't fair at all to me as a consumer who is a victim of online fraud!!!!

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 2023-09-18
Company: EQUIFAX, INC.
State: NJ
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:
Credit bureau furnishings inaccurate information about XXXX account. I submitted a written request for reinvestigation. I requested they provide me with the notice of determination containing the reason and information required to investigate the disputed information. The business name, business address, and telephone number that was used in connection with this investigation. As well as a description of the procedure used to investigate IN WRITING via mail. Otherwise, they delete this misleading information, notify the furnisher, and update my credit report. I was denied the information I requested and instead they sent it to their dispute center online and the inaccuracies remained. It is my right as a consumer to have them properly investigate and provide me with the information I am requesting and I believe they are not abiding by the laws set forth to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want my fraud 2 inquireys iff for XX/XX/XXXX and XX/XX/XXXX. 

Then take off illegal reporting for last 4 years on my XXXX credit card for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: MOHELA
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
i was trying to buy a house and notice there was multiple names on my credit report

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX has violated my rights. 
- XXXX XXXX  XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX  # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX  # XXXX has violated my rights. 
- 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 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 2021-12-28
Company: Experian Information Solutions 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:
Experian choose to disregard true information by not deleting a bankruptcy off of my report. I have proof that Experian is not doing their due diligence to rectify their fraudulent activity.

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 2021-10-19
Company: Michael Andrews & Associates LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification from XXXX on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on my credit report.

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