BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello my name is XXXX XXXX, for about two and a half years I have been working on my credit through XXXX XXXX, when I started my score was around a 450, I took all of the necessary steps to improve my credit to present day and it is now at a XXXX. I have a lot of credit inquiries from car shopping and now the only reason I'm getting denied from some of the Banks is because I have too many credit inquiries. From what I thought and from what XXXX XXXX  explained, there is a up to 45 Day Grace period When shopping for loans of the same type.And you will not be penalized for each individual credit inquiry, this is not the case, every individual credit inquiry is on my credit report and is now working against me after all of the work I've done to repair my credit .I have XXXX young children and I'm a single father and the only vehicle I have is my work vehicle which I can not use for personal use. From what I understand inquiries stay on your report for 2 years but unfortunately I don't have this time to come up with a vehicle, all of my credit inquiries are for an automobile purchase, I would like the two reporting agencies TransUnion an XXXX that report on XXXX XXXX to take a look at this and remove any inquiries that we're not group together under the same loan type policy. I've tried to reach out to them and it is difficult. Thank you for looking into my matter it is very much appreciated. My email is ( XXXX ) and my phone number is 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 2020-10-25
Company: EQUIFAX, INC.
State: OH
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 third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2021-06-13
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: Information belongs to someone else

Complaint:
I have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.

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 2023-04-06
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:
I need these removed from Transunion & XXXX I've send them copies by mail and fax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION 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 explanation
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This debt collector engaged in abuse deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we did not agree upon and I didnt sign agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper five steps validation procedure which makes this unfair practices. According to the FDCPA. Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
I have discovered instances of identity theft on my consumer report, which appear to be clear violations of state law and federal law, specifically 15 U.S. Code 1681c-2. I have not provided my explicit consent for any of these accounts to be reported without my expressed, written consent ; nor when I initiated and opened these accounts was I advised that these private transactions would be reported. This violates the very right to privacy I am seeking to protect, to which the agency is depriving me of. Furthermore, if the agency refuses to remove these accounts, not as a matter of accuracy, to please supply proof and evidence that you are non a non-affiliated, for-profit organization possibly profiting off of the reporting of these private transactions. If you lack my permission to report, which you do, these accounts shall not be reported. Please remove these accounts immediately. There should be no verification or validation and I do not consent to you communicating with the accounts I demand be removed. This, as well, violates my right to privacy. The accounts belong to me, so accuracy is not the issue. These violations stem from unauthorized transactions executed without my explicit consent, leading to the reporting of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the Gramm-Leach-Bliley Act. Furthermore, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft happens when information is obtained and shared without your expressed written consent or knowledge and this is what happened. The credit reporting agency lacks evidence that proves you provided consent to have these private transactions and accounts reported per the Fair Credit Reporting Act.

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 2016-11-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested financial hardship assisitance for my mortgage due to health reasons. the mortgage company then referred me to several different people. I left messages, but no response after more than one week. I later received foreclosure related documents.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Balance : {$690.00}

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 2022-09-23
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: Their investigation did not fix an error on your report

Complaint:
Reason- I've asked Experian, XXXX XXXX XXXX XXXX take off these accounts because it's not accurate information it was not verified and they did not respond to last two disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This is my 4th complaint against PayPal going back to an incident that started in XX/XX/2017. PayPal Answered the first two complaints. In the reply to the first two complaints XXXX XXXX XXXX, Operating Counsel sent me an attachment supposedly showing that the money was put in some account which I proved was not mine I then sent a third complaint proving that the money never got into my Paypal account. My third complaint was never answered by XXXX XXXX or Anyone at Paypal. Why? I mentioned in my complaints that I am not going to let a Multi Billion dollar company use their size and legal team to take advantage of me. I am a senior citizen, a XXXX XXXX XXXX Veteran living on a very limited income, this {$190.00} is a lot of money to me and is a pittance compared to the vast amount of money in your charge. Certainly XXXX XXXX has better things to do than try to deal with me. Is this an ego trip for You or your company. Are you making a mockery of the Consumer Financial Protection Agency? That I have to go through all this bullying by PayPal to get {$190.00} just blows my mind. My name is XXXX XXXX XXXX and my phone number is XXXX, If I do not received a satisfactory reply within 2 weeks, I will send all my correspondence to the each Member of the Board of Directors of PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: EQUIFAX, INC.
State: GA
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

US SM BUS ADMIN ODA | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX XXXX  | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX  XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Name is XXXX XXXX XXXX living in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX, my phone number is:XXXX. Today XX/XX/2020 Mr. XXXX XXXX did hack to my Bank Of America checking account to withdrawn amount of {$880000.00} USD. My bank customer fraud department called me on that time to confirm that Mr. XXXX XXXX try to get money out on chechecking account. She did question that to me and I did said I did not allow he to withdraw any money from my checking. I do not have much money on that checking. She did recommend me to close this account and open another account. This is Mr. XXXX XXXX information below : *- Driver License number : XXXX State of Florida , issued :XXXX expireres :XXXX. Address:XXXX  XXXX XXXX, XXXX , FL . XXXX. Tel : ( XXXX ) XXXX.US Passport number:XXXX. 
Please to help me to stop him did hacked to my account and another peoples. 
Thank you very much. Please let me know or have any question regarding above that.

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 2020-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I'm contacting XXXXXXXX XXXX XXXX XXXX as Credit Acceptance is understand Federal Law suit for Illegal Debt Collection practices and lying to the investors to increase their stock with open accounts that are really closed like mine. I'm a victim of predatory leading from Credit Acceptance. This account Should be delete and Credit Acceptance should be investigated by the Ohio Attorney General as well. As there is a current law suit filed in United States District Court XXXX  District of Michigan. Case XXXX XXXX XXXX ( filed XX/XX/2020 )

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 2023-01-21
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a letter attempting to collect what appears to be medical debt. Letter received shows two separate charges. One charge is from XX/XX/2021 for {$41.00} and the 2nd charge listed is from XX/XX/2021 in the amount of {$2.00}, XXXX. This is the first communication I have received and it is from a law firm. The letter does not provide any information as to how I can dispute this debt or what the charges are for, it only provides a number if I want to call and discuss payment, or if I should choose provides a special offer to settle the balance on charges I was unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
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 status incorrect

Complaint:
I have never been late with XXXX XXXX XXXX they advised me to file a dispute with the credit agency 's. They don't show lates in their system

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 2022-04-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Im accordance with the fair Credit Reporting Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit Card under an open end 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 2021-05-05
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed several times with credit bureaus, disputed with XXXX, even reported to Federal Trade Commission. 

XXXX now is submitting to a new collection agency after failed attempts to collect. This has been a dispute several times and becoming so frustrating to find a new collection agency harassing called 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 2022-10-24
Company: EQUIFAX, 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 following companies has violated my rights. XXXX Account number XXXX  XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation