BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: General Motors Financial Company, Inc.
State: AR
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:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND MUST BE REMOVED OR FACE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Bank of America customer since XX/XX/1988 before they bought out XXXX XXXX. Yesterday I received a check for proceeds from a land sale in XXXX County XXXX. The check was from a licensed XXXX escrow company in the amount of {$5800.00}. I deposited the check to my savings account via their mobile banking system on my phone. I received a notification that there would be a 10 day hold on this check. I have a problem with this because, according to the Federal Reserve, funds are verified within1 to 2 business day. The bank has access to my money long before I do. I spoke to two representatives at the XXXX Contact Center who said, 'sorry, nothing we can do. '. This was not some fly-by-night transaction involving a personal check. I take exception to B of A holding my money while they 'verify the funds. '. They also declined to give me their Headquarters location or a phone number, which I did find myself and have emailed the CEO of B of A. Once upon a time, check holds were quite common due to inefficient methods of verification but that changed quite some time ago and funds are cleared through one major clearing house. I find this totally unreasonable and unfair.

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 2017-07-21
Company: AFNI INC.
State: NH
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 reviewed my credit report and saw a report from AFNI stating that there was an XXXX account opened in XXXX of XXXX. There was no XXXX account opened in XXXX. I called AFNI ( XX/XX/XXXX ) and explained this to an agent there and she stated that was the day the collection was placed with their company and that it does not have to be the date it was charged off. I requested the proof to be sent to my address as she continued to talk over me. Re aging a debt is a violation of the FCRA and I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$17000.00}.

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 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Have sent three letters asking to receive and investigate my credit reports, as per FCRA the bureaus must reply and have not after 3 attempts.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My state and all federal laws of reporting REQUIRE that any derogatory consumer data, TRUE OR NOT, be not only verifiably valid in its reality of being BUT MORE EVEN physically verifiable and validated as to its DOCUMENTED perfection and completion of COMPLIANCE of reporting. Of note, MINIMAL reporting standards are universally applicable and include at least the FCRA (if applies), FDCPA (if applies),HIPAA PR (if applies), and the certified correct and complete Metro 2 format reporting compliance (ALWAYS APPLIES). To date ,I have received NO irrefutable evidence in support of claims and as such I rebut it’s status as lawfully bidding and demand claim eradicated and foreverly extinguished. COMPLIANCE is a MANDATORY condition of reporting, it is NOT OPTIONAL.  I given TRANSUNION the opputunity to correct this error by sending them a request to certify this item on the following dates with no resolution:XX/XX/XXXXXX/XX/XXXX

XX/XX/XXXX
XX/XX/XXXX

XX/XX/XXXX

XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Santander Consumer USA Holdings 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: Was not notified of investigation status or results

Complaint:
I have attempted to reach out to this company to find a resolution for the inaccuracies and inconsistencies of their reporting. My FCRA rights have already been violated at this point as this particular account has consistently reported on my credit report incorrectly. I dont need them to " verify '' that this account exists etc ... I need them to rectify the FCRA violating information. I noticed CHRYSLERCAP XXXX had a discrepancy in the " payment history '', " high credit '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX and XXXX  are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Since this account is reporting as a collection/charge off there should be no " payment history '' attached. The " high credit '' balance for XXXX  is {$10000.00} however, for XXXX  and XXXX  its {$16000.00}. Since this account is reporting as a collection/charge off it also should not be reflecting a " past due '' balance. This account is showing a " past due '' balance of {$12000.00} which is a violation. If this is the same account, reported by the same creditor how are these numbers and dates different?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: MO
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:
On XXXX I submitted a valid dispute with Equifax regarding a bankruptcy tradeline. On XXXX the investigation was complete but I was not notified and found out from looking at my credit report. When I went onto the Equifax site, where they indicated to view the report, it does not allow me to see it or even download it. My report indicated the dispute was validated by Equifax, which is not the furnisher and they indicated on their investigation process they contact the information furnisher. The furnisher is US Western District Bankruptcy Courts. When I contacted them, they advised they DO NOT valid or even report to the credit reporting agencies. This information leaves the investigation to be false and misleading. The law indicated they have to contact the furnisher, not anyone else. So if the information is court information as they state, where they obtain the information means they are using the courts to mislead the consumer and actually lying about any investigation of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/22 to XXXX and TransUnion to remove erroneous 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 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to 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 2023-12-26
Company: Rausch Sturm LLP
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They continue to call, don't say a word and hang up. Multiple times a week from different numbers. They've called while in bankruptcy after repeatedly telling them to stop. They've called today XXXX times XX/XX/2024. They specifically timed a certified law suit threat to come to me on XXXXXXXX XXXX  this year expected me to sign for it thinking it was a gift. Again and again they harrass, I tell them to stop because they are in violation of the Fair debt collection practices act and they ignore it and call from another number. I've blocked XXXX different numbers just this year from them because they continue to harrass. They continue to try to get verification on my name, which I refuse to give.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: TN
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 fair credit reporting act 12USC 1681 Account # XXXX XXXX, Acct : XXXX XXXX, Acct : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2018-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2018, I called Experian to dispute over 20 addresses that are incorrectly reporting on my file as well as remove the credit freeze and fraud alert from my report as it was hindering creditors from pulling my report. I was hung up on twice and cold transferred twice. The website dispute does not work at all. I explained to all four representatives about these addresses. I was cold transferred by one agent to another stating she could not help with disputing the addresses all at once. The phone hung up as soon as she attempted to transfer me. I called back and a male told me that the previous rep had lied to me about not being to dispute the addresses. When I asked for his name to add to my case notes, he released the line in my ear.

All of their calls are recorded. Every call. I phone from XXXX. Screenshots of the calls are attached.

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: 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 status incorrect

Complaint:
I sent investigation letters to each of the XXXX credit reporting bureaus on XX/XX/XXXX, to investigate the XXXX XXXX account XXXX on my credit report. Each of the credit bureaus conducted an investigation and concluded that the account was verified and updated. Yet, at the end of the investigation, the payment history across the XXXX bureaus is not 100 % accurate. 

For instance, after their investigation, XXXX reports that the XXXX XXXX account ending in XXXX was 150 days late on XX/XX/XXXX, then there is no data until XX/XX/XXXX illustrating the account as a charge off. XXXX and TransUnion, on the other hand, both report that I am 120 days late on XX/XX/XXXX. For XXXX, there is NO DATA until XX/XX/XXXX when the account is reported as a charge off through XX/XX/XXXX. TransUnion is reporting a charge from XX/XX/XXXX to XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, the credit reporting agency should delete the account from the file of the consumer.

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: MN
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 filed a dispute trough all three credit bureaus -- Transunion, XXXX and XXXX -- regarding my now-closed XXXX XXXX XXXX XXXX Secured Credit Card on or around XX/XX/XXXX. I stated that this account is more than seven years old and therefore too old to be on my credit report. When XXXX XXXX  responded to the dispute, they incorrectly reported that the account status is " 60 days past due. '' This is not possible. This account was closed with a XXXX balance in XXXX. When XXXX XXXX responded to the credit report disputes, they incorrectly reported that this account status is " 60 days past due, '' which has not adversely affected my credit score and ability to obtain credit. This account is closed and paid in full. Also, it can not have a current account status of " 60 days past due '' because the account is closed. Furthermore, the account never went 60 days past due, so this is even more incorrect. There are two errors here : The account was never 60 days past due and the current account status is being reported incorrectly as 60 days past due. The account status and derogatory account information must be updated and corrected. Finally, the payment history on this account never once shows that this account ever went 60 days past due. So, it's impossible for this account to be reported currently as 60 days past due. I have included screen shots directly from my Transunion credit file to substantiate my claims.

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 2021-02-18
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Capital Accounts as it related to a negative mark on my XXXX profile, that I believe to be incorrect. I spoke to a representative who advised me of a debt that I owed and once paid, that it will be removed from its repository deleting it from my XXXX  account. The debt amount reporting on my XXXX  account is {$880.00}. It is not reporting on any other bureaus. I asked the representative to send me a contract with my signature to verify me as the owner of this account, she did not. I was sent a statement with an address that does not belong to me and a debt totaling {$660.00}. I believe this information to be false, inconsistent and incorrect and I would like it deleted from my account immediately. The negative entry still reflects on my credit profile. 

Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have not received anything prior to this and I have not done business with the company. I don't know how they can just place a collection on my credit reports without ever notifying me before doing so. There many legal violations in regards to this and I will be seeking compensation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: MO
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:
Subject : Formal Complaint - Consumer Rights Violation and Discrimination by Equifax Date : XX/XX/XXXX To whom it may concern, I, XXXX XXXX, am writing to file a formal complaint against Equifax Credit Bureau for severe violations of consumer rights and blatant discrimination based on gender and minority status. 

Equifax has continuously compromised my creditworthiness by incorrectly reporting XXXX XXXX accounts on my credit report, resulting in a significantly lower credit score of XXXX, far from the accurate score of XXXX. This discriminatory practice has been observed in various studies, highlighting a pattern of discrimination against individuals with social security numbers starting with XXXX or XXXX, a fact further exemplified by lawsuits against XXXX XXXX, XXXX XXXX, and XXXX XXXX  for similar discriminatory practices. 

Despite my repeated efforts to rectify this issue by labeling these entries as " Fraud '' and demanding their removal, Equifax has failed to address the problem, leaving me no choice but to escalate the matter. 

XXXX XXXX has proven uncooperative in resolving this matter, redirecting me back to Equifax on multiple occasions, further exacerbating the frustration and inconvenience caused by this ordeal. 

Equifax XXXX and Investigation Results : XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX In light of these discrepancies, I am formally disputing my credit score, which has been adversely affected by Equifax 's discriminatory practices. Contrary to the reported score, my impeccable payment history includes settlements of over {$100000.00} with various reputable institutions and XXXX currently open seasoned accounts with no late payments totaling nearly {$200000.00}. 

I am also demanding the removal of unauthorized hard inquiries conducted by XXXX XXXX on XX/XX/XXXX, as this further compounds the violations against my credit report. 

As of today, XX/XX/XXXX, I am initiating complaints against Equifax with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This matter requires urgent attention and resolution to rectify the damages caused to my creditworthiness and to ensure fair and unbiased credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief