BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXXXXXX 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 XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX & # XXXX & # XXXX, XXXX, XXXX. : # XXXX, XXXXXXXX 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 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 2018-08-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am currently in the process of trying to repair my credit and find I am unable to obtain my Equifax credit report. There have been major changes to my file, according to credit monitoring services I have, and Equifax is denying my right to see the changes. I have tried on 3 occasions to order my credit report online and get a message saying I need to order through the mail and produce several forms of ID. This is unacceptable. The changes are derogatory and urgent in nature and I do not have time to go through these ridiculous procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
on XXXX XXXX i disputed a collection that was wrongfully placed on my consumer credit report.the collection company XXXX XXXX XXXX XXXX and XXXX XXXX has DELETED /REMOVED the collection of my report ON but XXXX and transunion is still have it reported, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, my former phone company ( XXXX  ) overcharged me for service. The company wasn't answering emails or phone calls and it was the second time I had issues with them, so I contacted USAA bank to dispute the charge.

I told the representative that I was overcharged, and they repeated the issue to confirm.

I wasn't aware that the representative filed the wrong dispute reason ( duplicate charge ) requiring specific evidence ( proof of payment via other means ). I received a document via USAA 's web notification system with the evidence request, called for clarification, and the representative assured me that my issue was being corrected.

I uploaded all of the documents related to the purchase, and previously received a provisional credit and had no reason to believe that there was a problem. 

On XX/XX/2021, the credit was reversed. This triggered multiple NSF fees and a total debt of almost {$300.00} due to bank error. 

I have been contacting USAA every day since XX/XX/XXXX to resolve the issue. I have to start from scratch constantly, including the representative matter-of-factly asking for evidence of the original incorrect dispute reason. 

After explaining the issue, multiple representatives have told me they corrected the dispute reason. The first correction was on the day of the dispute, XX/XX/XXXX. Another correction was on the XXXX. 

I have lost count of how many times a representative has claimed to fix the issue and started a 7-10 business day timer for a resolution. It is the same answer every time.

Since then I have spoken with multiple members of the Executive Resolution Team,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # - XXXX Balance- {$16.00} Balance updated-XXXX  XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. 
Status updated-XXXX  XXXX Past due amount- {$12.00} Highest balance- XXXX XXXX Monthly payment -- Last payment date-XXXX  XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone number-XXXX ) XXXX 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

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 2021-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is my 3rd time filing a complaint! I have been dealing with Bank of America EDD debit card account from California, Enterprise Resolution Department. The following is what happened to my account - as told to me my XXXX XXXX, Platform manager for Bank of America. The criminals set up a phone app, which allowed them to access my account and set up my account to automatically transfer money into a bank account that they set up. When the fraud was occurring i made numerous attempts to call Bank of America 's fraud department and anyone in Bank of America edd debit card account in California. Also, I never had a phone app set up and never set up transfers out of my account. XX/XX/XXXX first time criminal took {$5000.00} out of my account, then XX/XX/XXXX {$4400.00}. I shut down my debit card immediately and would never have access to my account after doing this. XX/XX/XXXX credited my account, XX/XX/XXXX criminals stoled the money. I still don't have access to my account XX/XX/XXXX my account was credited I believe, and the criminals immediately had it transferred out. XX/XX/XXXX again credited and immediately stolen. I have continuously contacted the Edd debit card branch. Also, filing letters with Attorney General and Congressman XXXX XXXX and the FBI and the XXXX XXXX police department. Again, I never set up a transfer on my account which I was constantly trying to tell them to remove it. Every time they refunded my account it alerted the criminals on the phone and it would be automatically transferred into the account they set up ( So I was told by XXXX XXXX ). He said he was going to work on having a check cut and sent to me after they closed my account. The only check I received was for XXXX cents. I have explained my self to different representatives from the Resolution department, they all seem to understand, but yet they don't call me back. They have someone else call me back and it is the same response that they have closed my account and it is resolved. Yet I have never been reimbursed the money that was stolen and I paid taxes on this money, since after talking to the IRS, they explained to me I had to still pay taxes and the fact that it was stolen has nothing to do with taxes. So here I am again filing another complaint, I have reached out to try and find a lawyer who is representing consumers who have gone through similar issues with this EDD debit card accounts Department of Bank of America in California.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance : {$1500.00}

Company response to consumer: In progress
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX {$12000.00} : DATE OF SERVICE : XX/XX/2021. 
PROVIDER OF SERVICE : XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my 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 2023-07-28
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is in regard to a XXXX XXXX XXXX that was deemed a total loss. The insurance company state farm sent out a check in the amount of {$9100.00}, to the linen holder which is Bridgecrest. The car was also covered by GAP insurance which kicked in on XX/XX/XXXX to cover the remaining {$4800.00}. I periodically checked the account to see if payment for GAP was received to place the account at a XXXX balance. However, that was not the case my balance jump from {$4800.00} to {$8600.00}. I contacted them and spoke to someone by the name of XXXX who total me that GAP was already applied to the account that I owe them the {$8000.00} and change and that the full principal balance was not covered after both payments were received. I checked the account on XX/XX/XXXX and saw that they have reversed all the payments that I have made since I brought the car and now it looks like I still owe them even though I do not. They have received all the payments needed to close this loan but yet still I am still being charged. I now have a new vehicle and pay almost {$700.00} a month for it and I need Bridgecrest to fix my account immediately and stop taking money out of my account for a car that is paid off.

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 2023-06-11
Company: Experian Information Solutions 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:
the following accounts were opened in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A Capital One Bank USA account was opened in my name. I become aware recently and sent in a dispute to the credit bureaus. All bureaus have removed this account finding that it is not my account and that it was fraudulent. XXXX  refuses to remove this account even after disputing and receiving all supporting documents such as a police report, FTC report, a dispute letter notarized and the laws which they have violated. last dispute was submitted in XX/XX/2021. I have sent all this information to the credit as well the same day it was sent to the bureaus and no response has been provided and none to the bureaus so XXXX  has no support in stating the creditor was able to verify any information and they can not because it is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: MI
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 the same accounts on my credit report were incorrect when I reviewed my updated report in XXXX. The 3 credit bureaus require to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame. My credit report includes the following erroneous accounts that need to be investigated and updated : XXXX  XXXX XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX    XXXX   on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from the  Business manager, saying I w as not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran 9 times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business  manager  said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
trying to remove these accounts  XXXX , from transunion,  XXXX , and  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 2017-05-13
Company: Northland Group Inc
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a settlement agreement with  Northland Group  #  XXXX , ( A   XXXX   XXXX   account #  XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX     2015 have  call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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