BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
GFPB WRITTEnUPo : You In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the The right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ar 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 non-monetary relief
Consumer complaint received 2017-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Second complaint. Representative called me left voicemail returned his call never replied. Disputing unauthorize purchase of XXXX for XXXX XXXX XXXX simcard purchaesd from XXXX. Hey guys who 's reading this msg use your logic please sim card can not cost 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The creditors are allowing debt collectors and hag are Unkown to me post old debt as new. After I repost it, it reappears again as a new account. I believe they are both XXXX and TransUnion are well aware of this given the many times Ive file disburse claims. Yet, the keep allowing these companys to generate new accounts with old data and post it as new. Some are well over six years, and I dont know any of these companys.

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 2023-03-10
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: Account status incorrect

Complaint:
XXXX Last reported XX/XX/XXXX {$1500.00} Reported as an " Open Balance with all three credit agencies. 

Dispute reason : The original creditor & the collection agencies OR the new company reporting the account has a balance. This is a violation. 

OVERVIEW Highest balance XXXX XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) Term 9 months PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info Dispute reason : Delete account immediately for failure to report the accurate date of status ( DOA ) and the date of last activity ( DOLA ). This is a violation. 


ACCOUNT DETAILS Account status Open Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late 0/0/0 Dispute reason : The accounts are not marked as transferred or sold, its a violation.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this account from my credit report as it is not associated with 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 2022-10-04
Company: Experian Information Solutions Inc.
State: OH
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 u.s.c 1681 602 A states I have the right to privacy.

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

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 explanation
Consumer complaint received 2023-02-17
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:
I have sent in both of my police reports. I'm a 3X victim of identity theft. The accounts do not belong to me and I have sent in proof. Why they are still reporting these accounts I asked to be deleted. What other proof do you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by Credit Management , LP multiple times by an automated dialer used to recognize the person answering by voice. They would never say anything until I redialed the number and then I would reach someone, this happened as recently as XX/XX/2019 at around XXXX. 

I asked them to verify the debt but they have no information to verify and they transferred me to XXXX/XXXX fraud center and they don't have enough information to verify the debt either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: MD
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 disputed some unauthorized credit inquires on my credit report and Equifax responded by saying contact the creditor and listed Equifax to be contacted i have attached a copy of their response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: MA
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 dispute with Experian was submitted on XX/XX/XXXX and I received two separate emails from Experian on XX/XX/XXXX. Initially, there was one received at XXXX XXXX, followed by the second at XXXX XXXX. The first contains disputed results, while the second contains information titled, " Important information. '' ( copies attached below ) After logging into my Experian account, I noticed that all information regarding XXXX XXXX had been removed and XXXX XXXX had been added. It would be helpful if this account could be removed. 

Despite the fact that the address had also been removed, Experian removed all information from XXXX XXXX. 

The same day, XX/XX/XXXX, Experian sent me an email with Report Number XXXX indicating that the reinvestigation of the dispute you recently submitted has been completed. However, the results indicated that : Your dispute results are not currently available online. 

This is yet another instance of Experian violating my rights in order to save its own skin by violating someone else 's rights. Their report deletes the XXXX information, and reenters it with false information in the " Status, '' but does not include the account under dispute. 
To inquire about how they " verified '' this account without providing any proof, bearing my signature on this alleged debt, I would like Experian to send me details regarding how they verified this account.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
GFPB WRITTEnUPo : You In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the The right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ar 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MD
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with TRANSUNION throughout the year via CFPB about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. Documentary proof has been uploaded through every complaint placed through the CFPB portal and will be used as exhibits in district court. 

Please See Attached Documents which include the following : Settlement Offer Civil Cover Sheet ( dated XX/XX/2023 ) XXXX via IRS, Power of Attorney, Fee Schedule Bill of Particulars Passport Card ( Identification )

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 2023-09-28
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: CT
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:
Its very difficult to try and contact SeedFi for my credit builder limited edition XXXX XXXX. Its being reported by the company that I still owe {$180.00}. This was my loan reminder in XX/XX/2023. Account hasnt been updated whatsoever and everytime I dispute through XXXX they say the company reports its accurate/verified. Its simply cant be as I have a screenshot of my loan being 100 % paid back. Its a ring a round loop trying to call SeedFi customer service phone number as it goes straight to XXXX XXXX customer service or another company because SeedFi integrated with XXXX XXXX, XXXX XXXX cant help me if Im trying to get my XXXX credit report fixed, I send emails but only get automated emails back asking for last XXXX digits of social which I always respond and nothing, I call XXXX to dispute and its too the point I cant specifically dispute SeedFi on my XXXX credit report because I keep disputing. I made XXXX more disputes through the phone and still information says its reported accurate. I sent documents showing why the decision is wrong and still they wont report the loan as paid/closed. I do not owe SeedFi anything. In XXXX the account was reported closed/Paid off but for some reason after XXXX it was back opened and ever since trying to report it wrong it has not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The email sent to me stated that {$580.00} was deducted automatically from my account. 
The person on the phone I talked to stated I was hacked by a known hacker and he purchased an IPhone in my name. When I started getting suspicious of the nature of this call, the " representative '' hung up. When I called XXXX again, a lady answered and got aggressive when I told her I thought it was a scam and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Reporting company used your report improperly

Complaint:
Thank you for responding to my complaint, I am disputing the findings from your Consumer Reporting Agency. Please note, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 
Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy Court to verify, update, correct, or modify whether the bankruptcy listed on my credit report is accurate? I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did XXXX XXXX  or your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? If so, please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. 
Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that XXXX XXXX used? Can your Consumer Reporting Agency modify the information in the State, Federal, or Public records related to the bankruptcy? Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency.

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 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I traveled to XXXX on XX/XX/XXXX for my grandma 's burial, ended up spending 5 months. While I was there, I noticed there was a charge on my credit card on XX/XX/XXXX. I didn't leave my card with anyone and Im not in the states, so I immediately called my bank. The reps kept sending OTPs to my SMS, which I didn't have access to because I was out of the country, so they refused to file my claim. I noticed my card was restricted and then reinstated again. I called again and they refused to help because I could not validate the OTP they kept sending me, so I decided to wait till I got back to the states. I called when I got back and filed the claim on XX/XX/XXXX, on XX/XX/XXXX, I got an email from my bank that they couldnt approve my claim because my card was used and my pin entered, so that means I physically used the card myself. I was not in the states when this happened so how could I possibly use my card? All purchases were made in XX/XX/XXXX and XX/XX/XXXX, totally almost {$700.00}! I need money back from my bank immediately! This is IDENTITY THEFT and I have filed a police report as well. It is disheartening to think that my money is not safe with my bank.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act. XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 USC 1681 Section 602 A. States I have the right to privacy. 

These addresses do not belong on my report : 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 XXXXXXXX XXXX XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : 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 non-monetary relief
Consumer complaint received 2023-07-29
Company: Southwest Credit Systems, L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is an account related to my SSN and my name. It was set up in XX/XX/XXXX and ordered some cable services. The user stopped paying for the cable since XX/XX/XXXX and never returned the cable. It charges me XXXX dollars now for the cable and delay fee. 

I leave the US country in XX/XX/XXXX and back in XX/XX/XXXX. I never ordered cable and have yet to learn what happened to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as XXXX XXXX stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in XXXX I live in XXXX. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for Experian, XXXX XXXX and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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