BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Bank of America conducted a credit check on me without my consent. 

I gave them permission to perform ONE check when they they encouraged me to open a small credit card after closing my recently deceased wife 's credit card account which was brought to a XXXX balance. 

They then advanced money from that CLOSED account, after changing some of the information on the account, into MY new credit card account and then withdrew that money at the bank. 
They claim I was the one who withdrew the money without providing any evidence to support that accusation. They told me I needed a subpoena in order to obtain the documents and videos. After hiring a lawyer and providing a subpoena, they have yet to provide the evidence they used to deny my disputes. 

XXXX credit checks XX/XX/22 Bank of America did a Credit check XX/XX/22 Another Bank of America pulled another credit check without my consent Why do I have XXXX credit checks when opening up just XXXX 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 2021-01-03
Company: AmerAssist A/R Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
A claim of XXXX XXXX, which was not performed on me or anyone in my family, was issued by XXXX XXXX in XXXX XXXX XXXXXXXX, CA and sent to a debt collector which in turn was sent to me. I ignored the first bill back in XXXX, XXXX knowing full well I did not have any XXXX XXXX performed in California since I live in Michigan and last visited California sometime prior to XXXX before the age of XXXX. I do not have any information regarding dates or work performed as I never received anything but a debt collection notice. On XX/XX/XXXX I received a notice of potential collection by an attorney in XXXX, OH representing the debt collector also located in XXXX, OH. I am currently drafting a letter to the attorney, debt collector and XXXX  requesting information I can present to my XXXX and Insurance company in order to prove I had no work performed outside my own XXXX in Michigan. The total debt owed is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-05-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
A company named 'XXXX XXXX ' with address XXXX XXXX XXXX XXXX, XXXX , NY XXXX with a telephone number ( XXXX ) XXXX runned a full credit enquire on my persona without my consent, and at the time to be closing escrow for a house purchase, this issue caused a significant delay in closing escrow, and delaying all arrangement to move to my new home, therefore this enquiring was a significant risk accordingly to the loan officer, to lowering the credit score and  perhaps ruin the deal. 
XXXX XXXX XXXX visit my businees to offer a merchant services, and he requested 3 bank statements which I never gave them, and after investigating with Experian I learned that XXXX XXXX XXXX, president of XXXX XXXX XXXX uses XXXX XXXX to process the credit card processing. 
After talking to the Fraud Department of Experian, I was told that 'Hard Credit Enquiring ' needs to be pre authorized, and in this case is a Violation and perhaps Fraud since I was not informed neither I new this company, and could have ruined my effort to get a house.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
CAPITAL ONE has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by CAPITAL ONE before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or CAPITAL ONE to furnish any late payments to my consumer report. It is my undoubted belief that due to CAPITAL ONE 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This company has completely ignored my dispute to delete addresses that are not mine. I have disputed this for the past 9 months with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MCM CONTINUES TO REPORT A DEBT TO CREDIT REPORTING AGENCIES THAT HAS BEEN DISPUTED PER : Title IV of the Consumer Credit Protection Act. Section 401

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in Accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
hello on date XX/XX/ I took out a vehicle with financing for the value of {$15000.00} giving at the same time a Down payment for the value of {$5000.00} keeping the balance {$10000.00}, this balance was financed through the company ( Exeter Finance ) at 72 months paying a monthly fee {$300.00} My problem is that I have already made 17 payments, that is, a year and 5 months yes we calculate 17 months for the value of XXXX with XXXX gives me the value of the sum XXXX {$300.00} = {$5100.00}, ( I have proof receipts ) and here is the problem that I still owe them the value of {$9900.00} of that 17 payments which made only this amount of principal have gone {$630.00} and the rest of the money for the interest on the car, even so, 17 months after taking it out and paying monthly, I owe the balance of {$9900.00} It is unfair to me that of so much money that I have paid, only a small thing has gone to the Principal. I hope that you help me because I am paying for something that I will never finish paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither 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 accounts. 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.

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 2019-01-11
Company: National Credit Systems,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: Problem with personal statement of dispute

Complaint:
I just recently submitted a dispute to XXXX Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. National Credit Systems ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXX of XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to National Credit Systems, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. National Credit Systems and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-07-19
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: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 items listed below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$5100.00}

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-07-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

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 2023-08-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED 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 2023-06-13
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:
My name is XXXX XXXX this complaint is not made in error neither 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 accounts. 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.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}

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