BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Its been more then 30 days. in accordance wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights according to the law. 15 u.s.c.1681i procedure in case of dispute accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer report agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed another copy of my credit report and noticed the following information regarding inquiries to be in error. The items listed are all unauthorized inquiries. They have pulled my credit report without my permission. I sent a dispute letter and a complaint letter to each company as well as Equifax and XXXX XXXX credit bureau without receiving a response. Below are the dates and the name of the companies. XXXX XXXX on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I have not applied for a mortgage nor a car with this company. The unauthorized inquiries were not a result of an action that I took, such as applying for credit or financing or as a result of a collection. The inquiries shown on my credit report are not a factual record of the companies who have accessed and reviewed my profile and should not have logged onto my credit report. This activity should not remain on record. I want the inquiries off my credit report. I did not sign and request any credit for any of the four places listed above. I have contacted the companies and requested that they remove the inquiries from my credit report as they were unauthorized and are not able to verify that the inquiries were initiated by me .Also I have not received any responses from them for over 60 days now. Kindly investigate my claim per the Fair Credit Reporting Act. for the unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX BoA was doing another fraud that was not yet caught, which I've uncovered as they are now trying to foreclose on me to bury the issue. What they did was, in short, a " XXXX XXXX '' on home loans for a quick pumping of numbers. There is a whole mess of people w/ the same pattern of events where we, for a short time, had two open loans, 1 of which no 1 knew they had. It only became apparent when BoA 's servicing arm XXXX XXXX  tried to bribe me to sign a backdated deed of trust. While going back & forth w/ XXXX sending me different versions of the paperwork, 1 of their own employees told me to go to the title office, which I did 15 months ago & become aware that they had clouded the title. That was why they needed a " fresh ink '' copy of a XXXX deed of trust in XXXX w/ the XXXX dates along w/ their names on things. I already had to sue to try & prevent the trustee sale since BoA moved to end a forbearance via covid & bury this as I tried to find a firm that had a practicing attorney in the field and not going to tell me there is a conflict of interest w/ me before they would even hear any details ( 80+ firms now ). I'm doing this Pro Se & I fear they will just " out paperwork '' me. That being said, I'm doing my best as fast as I can, given the defendants are forcing things & setting the timing, which forces me to rush & ultimately leads to mistakes in my pleadings. So I'm going out for help ; I did send a note to the White House & Idaho 's different levels. Ultimately, I need to save my house, but I believe the only fair resolution is to break up BoA & bar all management from the banking industry, as was d1 to the CEO of XXXX XXXX. Since I had messaged for help before on other major issues & received no help, only suppression, I'm not expecting anything, but I thought I would give a heads-up given the XXXX  etc XXXX I'm hoping that I will not have to keep defending myself alone. XXXX XXXX. XXXX in 2nd district court of ID for reference

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 2023-03-21
Company: EQUIFAX, INC.
State: AR
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 am submiting you this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} AR OFF OF CHILDSPRT ENFO XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ), XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$18000.00}

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 2023-03-21
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is an additional complaint f

rom the two previous filed complaints. In regards to the timeline Mr. Cooper provided, I would request a call log and recording history be reviewed regarding our mortgage. 
As of XX/XX/XXXX, we personally made SEVERAL phone calls to Mr. Cooper to follow-up regarding the status of our account in order to resume payments since Mr. Cooper took over the loan during the partial claim transfer. During this time, we were told that MR. COOPER would be sending us NEW partial claim documents that would be in the name of Mr. Cooper instead of our previous service provider. We were originally told that Mr. Cooper would not be able to accept any of the document addressed to XXXX, the previous loan provider. XXXX also told us to wait on sending in the partial claim documents since Mr. Cooper would need to send new ones and since XXXX transferred the account, there was no need for the documents to be sent to XXXX. 
After a few weeks of no status change, a different representative told us to go ahead and mail the original partial claim documents to Mr. Cooper anyways in hopes to speed up the approval process. During this time, we attempted several times to make payments on the account. As stated in the last claim, the documents were successfully mailed and received in XX/XX/XXXX. Due to this lengthy approval process, we were informed that the partial claim would now extend for the month of XX/XX/XXXX and payments would resume as of XXXX. 
At no point during this approval process did Mr. Cooper contact us and notify us of UPDATED payment amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I opened my car loan in XXXX of XXXX and made my first payment before the 45 days and they misplaced my payment maybe because I paid it too soon or they just did not have my contract work yet but that payment was never credited to my account. I have the paperwork to prove how much I paid paid except for the first payment made. I paid on this loan for 4 years and the balance never went down one cent. I spoke to Chrysler Capital and asked them why and they said because it all went to late fees. I paid them XXXX dollars in payments and finally the balance went down a couple XXXX dollars. So far I have paid them over XXXX dollars so far and they claim I still owe them XXXX to pay it off. Point is how come my balance never went down XXXX cent for the first 4years that I paid them. At one point about XXXX years ago they told me I had already paid them almost XXXX and again I asked them why did I owe so much. According to my records I am paying almost XXXX on a loan that was only for XXXX. Please let me know what I can do to get this account settled for a reasonable amount. I have all my payment records that I received from Chrysler Capital and can email them to you if need be. Thank You very much for your help Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX consumer reported late payments to the credit reporting agencies and my score dropped XXXX points I have a car loan which was on autopay since purchasing the vehicle. I have laid ontime and paid more than the note each month I relocated and contacted XXXX to update my address and change bank accts. The mgr was excessively rude to me. This was XX/XX/2022. In XXXX I was updating my budget and realized XXXX had stopped taking funds out of my bank acct, reported my to credit agency. I immediately contacted XXXX to find out what happened. I was notified I owed over {$3000.00} and they could remove the {$39.00} dollar late fee. I asked why was t I contacted the rep said I was phoned but no message was left, the mgr said I wasnt phoned, the rep from exec offices said I wasnt phoned because I was placed on a do not contact list. I asked who put me on that list and why wasnt a letter sent if that was the case. I asked why three different explanations. The rep said she would review the initial call from XXXX and speak with the mgr who was rude.she also said she would ensil a letter that had recently been sent out to me I never received the email and phone back to XXXX a few days later. I spoke with another rep from exec office. He said it was not XXXX fault that the auto billing was ceased and he directed me to dispute it on my credit report. He said he would email my payment history to prove I had never missed a payment. I disputed and the only change was showing two 30 day late payments were previously it showed one thirty day late This was XXXX  fault and my credit is suffering Once I found out I immediately made XXXX separate payments in XXXX and another in XXXX I need some assistance to get this off of my credit reports

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$70.00} XXXX XXXX XXXX Originalcreditor XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired onXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired onXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXXXXXX Inquired on 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 2023-03-21
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: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXXXXXX XXXX account 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 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
After verifying my identification through XXXX and notifying me of my eligibility, the California XXXX enrolled me into the XXXX extended federal unemployment benefits program and the funds were loaded onto a Bank of America issued prepaid debit card until the extension ended XX/XX/2021. The XXXX notified Bank of America that my Unemployment Claim was exhausted thereby closing my account. As a result, the remaining balance on the debit card can not be accessed. Allegedly either the bank or the XXXX closed my account for fraud on XX/XX/2021, well past the time Bank of America told me my account was frozen on XX/XX/2021. There is no valid reason to restrict access to the funds which I'd been determined eligible before this confusion.The XXXX has contacted Bank of America on my behalf and the issue remains unresolved.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent letters to the credit bureaus on XX/XX/XXXX via certified mailed and they responded back on XX/XX/XXXX stating that all accounts are verified.my credit report is still showing inaccuracy. I sent the bureaus letters again on XX/XX/XXXX and sill nothing has change.15.U.S.C 1681S ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter last XX/XX/XXXX to remove the following negative items listed in my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}

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 2023-03-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 : XXXXAccount 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 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