BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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 List of accounts below has violated my federally protected consumer rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Last year, I submitted a dispute to XXXX XXXX regarding the inaccurate Bankruptcy reporting to my consumer report. 

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from XXXX 

I then reached out to XXXX  to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or XXXX XXXX. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to XXXX XXXX. They also confirmed they did not verify any information with XXXX XXXX. 

When I reached out to dispute this information, XXXX XXXX completed their re-investigation and responded back saying this information has been verified. 

Since the court ( the original data furnisher of this type of information ) did not furnish this information to XXXX XXXX nor verify this information. 

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.

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: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alliance One is attempting to collect a debt that does not belong to me. 
The demand is for {$110.00} and does not belong to me. I am disputing this debt because it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a victim of identity theft and however, this is affecting me with my goals and my XXXX XXXX. Theirs also inquires that I did not make and need to be investigated and removed asap I did reach out to the credit bureau with letters as well and nothing has been done. below are the unauthorized inquires and under 15 usc 1681 I hope that this matter is taking care of ASAP. Thanks, and XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Factual XXXX XX/XX/XXXX XXXX. Factual XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. NCC XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a new alert from XXXX today that i have a new address added to my account, the address is " XXXX XXXX, CA XXXX ''. And I don't recognize this address. Then i login to XXXX account to see my credit card record and found out there was a " Bank of America '' credit card added to my account since XX/XX/2019, which I didn't authorize. Please remove it this record from 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 2018-09-07
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I used the BBVA app to make my loan payment on my car, {$290.00}, on XX/XX/2018. As is standard practice, I received a confirmation code to use to submit my payment. Because of the holiday the payment dud not pist immediately to my checking account. Finally, on XX/XX/XXXX I was horrified to see there were 3 car payments in pending status on my bank website. My balance was overdrawn by more than {$400.00}. I immeciately called XXXX. The rep took my number and assured me only 1 payment would go through. He said he would call me back that day as well. I also called my bank, XXXX XXXX. They told me since the transactions were in pending status they could be cancelled by the merchant so to wait for 24 hours and call back if needed. Today, XX/XX/XXXX, I saw that in spite of my their error, BBVA had processed all 3 payments! My checking account balance was almost - {$500.00}. I called them again, irrate. I received the same promise that paperwork would be sent up the ladder, and eventually a check would be remitted for 2 payments and mailed out to me. In spite of me demanding it be electronically deposited back immeciately into my account, they insisted that could not be done and it would be over 10 days before a check could be mailed. I called XXXX XXXX to update them on the reason for my increasing negative balance. I have other bills and automatic payments coming through my account and dont want them rejected, or my account closed. They are aware of the horrible position BBVA has put me in and will hopefully make the automatic payments as they come in in spite of my growing negative balance. The overdraft fees are astronomical, in the meantime. I pay my bills on time and did nothing wrong. BBVA took 3 payments from my XXXX XXXX checking account and put me in a desperate financial predicament. I have no money to buy food for my children, gas for my car, or pay other bills. I am at the mercy of BBVA until they decide to mail me a check. They claim they can not electronically refund my money even though they took unauthorized payments from my checking account. I dontmake a lot of money but Ive always been able to meet my responsibilities to my children, my creditors, and landlord ... until this week. Im pleading for your help and thanking you in advance for anything you can to do help me. I dont know where else to turn. I dont know if I can recover from a financial blow like this. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: Ocwen Financial Corporation
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I PUT MYSELF INTO A DEFERRMENT BACK IN XXXX WHEN COVID HIT. IT TOOK MY FIRST 3 MONTHS AND THEN ASKED TO BE REMOVED FROM DEFERMENT. THEY KEPT TELLING ME NO. MY ONLY OPTION WAS TO PAY THE {$XXXX} DUE ( WHICH I DID NOT HAVE ) OR ASK FOR ANOTHER DEFERRMENT. THIS KEPT HAPPENING UNTIL THE PAYMENT DUE WAS {$XXXX}. AT THIS TIME THEY FINALLY FINALLY APPROVED MY COMING OUT OF DEFERMENT AND TOLD ME THAT I NEEDED TO MAKE 3 TRIAL PAYMENTS AND SIGN/NOTARIZE DOCUMENTATION. I DID THIS. MY 3RD PAYMENT WAS DUE XX/XX/XXXX. AT THIS TIME THEY TOLD ME THAT I NEEDED TO SIGN/NOTARIZE ANOTHER SET OF DOCUMENTS. AS OF NOW, XX/XX/XXXX, THIS DOCUMENTATION HAS NEVER COME. I WAITED 3 WEEKS FOR AN APPOINTMENT WITH A RELATIONSHIP MANAGER ON XXXX AND TOLD HIM THAT I NEVER GOT MORE DOCUMENTATION. HE TOLD ME IT'S OK- I DON'T NEED TO SIGN MORE DOCUMENTATION AND IT WOULD BE FINALIZED NEXT WEEK ( WHICH IS THIS WEEK ) AND TO CALL. I'M ON THE PHONE WITH THEM NOW AND THEY'RE SAYING THAT MY MODIFACATION IS NOW DENIED BECAUSE i DIDN'T SEND BACK THE PAPERWORK ( THAT NEVER CAME ). THEY HAVE ALSO MADE IT NEAR IMPOSSIBLE TO MAKE MY PAYMENTS NOW - THEY HAVE TO BE SPECIFICALLY MAILED. I'M NOT IN DANGER OF HAVING AN 18 MONTH LATE PAYMNT ON MY CREDIT REPORT. PLEASE HELP.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: OK
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion has refused to remove collection/negative item or provide an option for online dispute for these inaccuracy accounts. I have request validation of the alleged debt without a response from the debt collector. I have provided docs showing that my request for validation was delivered to debt collector, accounts with adverse information currently been reporting by Transunion and Transunion dispute website page showing no option for online dispute for these accounts. I have contacted this company on XX/XX/2023 and XXXX 
-Account XXXX -Account XXXX -Account 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 2023-01-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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

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 2019-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX, Equifax want supporting documents to show this account on my credit file is fraud. XXXX XXXX XXXX. This is not a duplicate this complaint shows supporting documents of my income and also shows what the dealership falsified, my monthly income as XXXX and I only receive XXXX a month ssi.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX In Accordance with the Fair Credit Reporting Act XXXX Accounts 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.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2018-09-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I tried obtaining an Equifax credit report through annualcreditreport.com After making several attempts i was instructed by the annualcreditreport.com website that my credit report could not be accessed at the time and was instructed to contact the credit bureau directly. I spoke with XXXX throught the Online Chat option and he instructed me to call the customer service phone number and get ahold of a representative. So I called XXXX which is the customer service phone number for Equifax. I explained the situation with the representative over the phone so she asked for my information for verification purposes and she told me that my address on file had not been updated and that my birthday was incorrect as well. She said she could process the request for a copy to be sent but that it would be sent to the address on file which is not the address that I am currently living at. I asked if there was anyway i could update or correct that information either over the phone or online and was told that the only way was to send a letter with a cover letter and a copy of my social security number, drivers license, and birth certificate. I was not satisfied with this answer as i was able to update and or correct information on my credit report through XXXX and XXXX with no issues. I contacted another Online Chat Agent and was told that in order to update/correct that information and get a copy of my credit report i would have to mail in copies of the required documents along with a cover letter explaining the reason for the letter or fax in the information. I do not feel comfortable either mailing copies of any of this information or faxing copies of this information specially after i was a victim of the Equifax data breach.

Company response to consumer: Closed with explanation