BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My request to validate an account that is not mine was sent to experian XXXX, i have not heard anything from this company at all, and the law states if they do NOT respond in 30 days this account should be removed from my credit file. I sent a letter to the company on XXXX. This company has not responded. If i send a letter in mail i should get a response in the mail. So if this account is not removed i have no choice but to file a lawsuit. 

Attached is the initial letter that was sent, this company has not responded within the 30 days. 

Also attached is documents to show proof of identity I DO NOT CONSENT TO XXXX or any means of automated verification They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Social Security XXXXXXXX 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 2020-10-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
BB & T can not provide the charge-off reason or history of payments on a loan they say I still owe from XXXX. The original loan was made at Bank XXXX in XXXX which I thought was paid off. I was made aware of the loans existence when my insurance claim check had this banks name on the check as a Second Mortgage in XXXX. It took me several years to get the claim with the Insurance company resolved after water damage in the house in XXXX. We did not have the money to make repairs and then try to get reimbursed. I am a school teacher without the time to make more calls and be on hold for hours anymore. We have 4 boys under 16 now. 

Many trips and several hours to BB & T branches that were not able to help or to sign the check. They offered to take the check and keep any that would be required to pay off any possible loan before signing the check. I did not leave the check, what if they took it all and I could not repair my house. They could not find any accounts in our name at all. I have not received any letters or phone calls from BB & T until after we called them in XXXX. 

I finally called the President of BB & T in XX/XX/XXXX and asked them how I can get the check signed so that I can fix my house. The Presidents Secretary also could not find any account in our name. 
On XX/XX/XXXX I received an email from XXXX & XXXX still refusing to sign the insurance check enabling me to fix my house. It further states that the account was charged-off on XXXX XXXX and that they are unable to provide me with information as to how the account was charged-off or to provide any history on the payments on the account due to BB & T 's seven ( 7 ) year retention policy. 
Their refusal to sign the insurance check are causing additional mold through out my house. The first mortgage company said that they would take care of the BB & T issue and they had us sign the check before they signed it and returned it. BB & T could not locate any loan outstanding so they were not able to help in XXXX. 
XXXX BB & T wants me to send them a fully endorsed check before they will sign it. 
Now they also want us to sign an ACH Draft Form on a XXXX Charge-off for any unknown amount on an undocumented Charge-off they now say is {$45000.00}. The 2 checks to fix my house are for about {$75000.00} dated XX/XX/XXXX. I could not repair my house if they take over XXXX of the money. Please help me as they hold us 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Third 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 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please repair and update these accounts 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 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This is account has been paid off for years. I have information that proof these facts. I need this information updated paid in full.

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 2018-05-17
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:
CRA violation no knowledge inaccurate XXXX XXXX XXXX and Inquiries that I did not authorized appeared on my Experian 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
Consumer complaint received 2023-09-09
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: Account information incorrect

Complaint:
I received a notice from XXXX XXXX on XX/XX/2023, which required a response by XX/XX/2023, affording me a minimum of 30 days to address the matter. The communication explicitly stated that in the absence of a response by XX/XX/2023, they would assume the accuracy of the information. In response, I communicated on XX/XX/XXXX, requesting substantiating evidence regarding the ownership of the account. Regrettably, I have yet to receive any confirmation of this information. 

Presently, this account has entered arbitration due to the lack of a response from the company. My recourse at this point is to allow legal representation to explore the available avenues for obtaining the necessary information. 

My concern extends to the credit bureau, as there is a legal obligation to review and verify the accuracy of information before its inclusion in someone's credit report. This obligation is outlined in 15 USC 6801, which underscores the affirmative and continuous duty of each financial institution to safeguard the privacy of its customers and protect the confidentiality of their nonpublic personal information. 

Furthermore, 15 USC 1681, section 604 ( a ) ( 2 ), clearly stipulates that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this case, both the financial institution and the consumer reporting agencies lack my consent to furnish this information, especially in the absence of written authorization. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

To underscore the gravity of the matter, 15 USC 6802 ( b ) ( c ) dictates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The account in question is deemed adverse, and it is being reported without my consent, which contravenes the law. 

Lastly, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am choosing to exercise this right by opting out of your reporting services and formally demanding the immediate removal of this account 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 2023-06-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my 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 non-monetary relief
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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:
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 XXXXXXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX ( This will be all XXXX accounts starting in 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 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 2022-09-16
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: Account status incorrect

Complaint:
XXXX been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having 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 2020-12-24
Company: EQUIFAX, 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 status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I tried sharing my credit card information to my XXXX account. In order to up to date information on my account because I am applying for a VA Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
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 is reporting a account that is not mine on my account. I filed a ftc identity theft report regarding this account. Its truly unfair and frustrating this happened to me : this reporting has truly affected my XXXX XXXX in detrimental ways. Ive been very XXXX use to my current finance inadequacy. This inaccurate reporting hinders me from finding a job, trying to rent a apartment or purchase a car.

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 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company has misused my trust & attempted as a pre-requisite in response to a previous complaint to issue a XXXX Bank of America XXXX XXXX & XXXX attacked me to get me to have a " mortgage loan preapproval '' while refusing to show fees from account XXXX & previous savings account ending ( unknown ) I do not want a home mortgage loan & I don't want any loan from this bank, given the predatory nature I'm sick of the way it is doing business in an effort to XXXX consumers even more. 

This happened yesterday & the Bank of America failed to close account ending XXXX on XX/XX/XXXX in an effort to extort fees from oconsumer

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report, there is an account for XXXX XXXX that is listed as closed and negatively reporting, the account was paid in full and the company even emailed me and agreed to request removal from my credit report because TransUnion was not updating it themselves despite countless letters, calls and disputes done by me. The account is reporting incorrectly and should 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 2021-03-11
Company: ACIMA CREDIT, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It was not made aware to me that the original amount changed in half a XXXX and {$15.00} was written off and the amount that was left was {$1700.00} and I made a payment that went to the original amount of {$4000.00} and they are trying to have me pay the whole amount instead of the {$1700.00} to remove this from my credit report and delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the Fair Credit Reporting act XXXX Account 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

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 2023-07-21
Company: SYNCHRONY FINANCIAL
State: WA
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 am writing to file a formal complaint against PayPal Credit c/o XXXX  XXXX  regarding a violation of the Truth in Lending Act ( TILA ), specifically Regulation Z 1026.8 ( a ) ( 1 ) ( i ). I have an open-end credit account with PayPal Credit and have received billing statements that do not meet the requirements of Regulation Z. 

Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Billing Cycle Dates : XX/XX/XXXX, XXXX Issue Description : The billing statements I have received from PayPal Credit c/o XXXX  XXXX  lack meaningful identification of sellers or services involved in multiple transactions. Instead, these transactions are ambiguously listed as " X '' without any clear indication of the merchants or services associated with them. As a result, it is difficult for me to verify and reconcile the transactions, making it challenging to understand the charges and assess the accuracy of the billing statements. 

Attempts to Resolve : I have already contacted PayPal Credit 's customer service to address this issue. However, their response did not provide a satisfactory resolution to the problem. I expressed my concern and requested clarification regarding the transactions listed as " X, '' but the representatives were unable to offer a clear explanation or meaningful identification for these transactions. I have had multiple interactions with their support team, which all seem to be located overseas, and they do not speak or understand Standard American English well enough to understand that this is not an allegation of fraud. 

It appears that PayPal ( distinct from PayPal Credit ) has reversed the charges in question, and now the merchant is puzzled and contacted 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 explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief