BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and TransUnion have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( XXXX. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both TransUnion and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.

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 2020-11-17
Company: Data and Contact Management Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent an email to dcm services who are a collection agency and are handling my account with XXXX XXXX credit card. We set up a verbal agreement that for 12 weeks XXXX would be withdrawn from my checking account. About 2-3 weeks ago I was unable to have the funds available for this withdrawal. I sent an email to dcm services and informed them of my situation, I stated that to stop the withdrawal from my checking account as the funds are not there, also explained that I can not keep our verbal agreement and asked if the money I already sent can be a paid agreement. I also stated that I would like verification of the debt, I have filed a dispute with XXXX  credit bureau and XXXX. Dcm services ignored my email and are still withdrawing funds from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, 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:
The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank youXXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: IN
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 sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.

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 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Trying to initiate an international wire transfer through the BOA online portal. Have never had an issues doing this between my USD account in the US and overseas. My last transaction was in XXXX 2020. This time around I got a message stating that the transaction could not go through as BOA does not have the fee information from the receiving bank. I contacted the receiving bank ( XXXX - Overseas ) - they stated that they do not charge a fee. Emailed and contacted BOA and they told me that the fee structure is housed with your agency ( FCPB ) and that every transaction makes a call to your database to get the information, if the information is not available is gives an error message, similar to the one I received. I don't agree with what they told me!!! My case number with them is XXXX dated XXXX XXXX, 2020. My original emaIl was to XXXX and I have since been dealing with XXXX XXXX at XXXX XXXX XXXX XXXX at Bank of America.

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 2021-04-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this to request that my credit reports be updated to reflect accurate data. I filed a complaint through the CFPB portal to dispute a debt collection attempt from XXXX XXXX that was not valid. Below is their response. They have agreed to remove the collection, " In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. '' I ask that this information be reflected immediately on my reports, thank you. 

Original Complaint ID : XXXX Response From XXXX  : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : XXXX placed an account for you in our office to collect a balance of {$2000.00}, on their behalf. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the only communication we have received on behalf of this account. The credit bureaus term account open date XX/XX/XXXX, means the date when we were assigned the collection account from our client. This does not affect or falsify how long the account will remain reported to the credit bureau. The amount of time the account will be reported to the credit bureau report is determined by the original delinquency date XX/XX/XXXX, as reported to us by XXXX. In an attempt to help you find resolution, we have forwarded a copy of your complaint to XXXX. In response, XXXX has provided an explanation of the account. We have attached a copy of their explanation for your convenience. We will mail you a copy of the statements provided by XXXX. 

In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. 

Please note that XXXX considers this balance to be valid and owed. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at XXXX XXXX , XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 6 accounts on my credit report that do not belong to me I need these removed asap I have filed for FTC I have been disputing these since XXXX of 2020 and I am getting pretty ticked off since I am spending days and days on these trying to save my credit from accounts that are not mine they do not belong to me I have no idea how these are on my credit and who put these there. I own no such cards or accounts. 

Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my 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 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX   BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]

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 2023-11-10
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: Credit inquiries on your report that you don't recognize

Complaint:
requested removal of unknown inquiries contact bureaus for removal and nothing was done I will provide a identity theft report due inaccurate 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 2022-10-04
Company: Experian Information Solutions Inc.
State: NJ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed items and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX XXXX XXXX NJ 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 2023-10-20
Company: EQUIFAX, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: NM
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2021-04-30
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Formal Complaint : Branch XXXX XXXX XXXX, XXXX XXXX, CA XXXX My wife and I went to the same Bank of the West branch office to open an account with the only purpose of receiving a Welcome bonus of {$250.00} each of us. Total of {$500.00} My wife opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA Myself opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX CA We have a proof of address letter from the Bank of the West. 
Now, I did not receive my Welcome Bonus. 
From the very beginning Manager XXXX, and XXXX knew this situation. That is why they let me open an account using a Welcome Bonus Code ( as stated the letter I provide ). 

I look forward to hearing from you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have a student loan that has gone to a collection agency and they have been repeatedly calling me at work after I have told them repeatedly not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
PLEASE REMOVE ALL FRAUDULENT 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 non-monetary relief
Consumer complaint received 2020-02-10
Company: Manley Deas & Kochalski LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This company has literally send me a correspondence letter as of XX/XX/2020 threatening me. As I do believe is a threatening. 

I have communicated with loss mitigation department not so long ago las week and I spoken to a guy and told him about my situation and concerns, I also told him That it was my priority to keep my home and that I was very sorry that at this time I was going through a tough situation as I am a Victim of fraud and the process ins delaying a little longer than expected but will soon be all finished and resolved in the name Of God because this is very stressful and all I care about is my home and to keep making payments to my home and avoid any demand letters or legal problems and it is my priority to keep my home and get Caught and current as soon as this mess finishes as soon as this fraudulent activity finishes and Its investigations is all clear and done. And for the bank to credit me The remaining amount to my account ASAP. 

Stop The threatening as is no good for my health as Im already a senior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: TX
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. 

The letters are stated with items and issues. 

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