BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
IM THE VICTIM OF IDENTITY THET I HAVE PROOF AND I ALSO HAVE PROOF THAT XXXX AGREED TO TAKE THE ACCOUNT DOWN BUT HAVENT FULLY COOPERATE WITH THERE ACTIONS, I NEED HELP IN ASSISTANCE OF GETTING THESE ACCOUNTS REMOVED ,15 USC code s 1681 CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE 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. AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIGATING AND EVALUATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. PLEASE REMOVE THIS 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: Wolf River Development Company
State: MN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I inquired about qualifying for a loan from XXXX XXXX. After reviewing the company 's APR rates and finance charges, I decided against getting the loan. I have spoken with 7 different representatives at the company and requested them to stop calling me. They call me over 14 times per day, all hours of the day. When I answer and ask them to stop calling me they harass me and ask things like why would you want to do that. When I continue to push to stop calling me as I never took out or accepted the offer and do not wish to, they say they need to transfer me to someone else, I will sit on hold for over an hour just to get another rep that does the same thing. I have tried blocking the phone number and they continue to call me from various different phone numbers. I would like this company to quit contacting me as at this point it is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage payment was made to Bank of America for my personal mortgage. The name on the check was made out to Bank of America. Bank of America did not give me credit for the money paid. Bank of America then reported me to all of the credit bureaus. Bank of America refuses to take responsibility for this cash check and not applied to my account. 
This has been going on since 2017.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the accounts, or inaccurate information, from my file immediately 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

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. 

List the account name here with the account number ( Do not list over 5 accounts and 6 inquiries ) Example XXXX XXXX number account number has violated my rights 16 USC 1681 Section 602 A 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 a account without written consent.

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 2023-09-26
Company: LEXISNEXIS
State: FL
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:
This Bankruptcy accountis being reported on my credit report as if they arethe furnisher, then this account is reporting inaccurately and needs to be deleted since they are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Bankruptcy needs to be removed from my file. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2020 Reference XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am exercising my right to validate an alleged debt with Credit Control , LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX On XX/XX/2021, I mailed via USPS certified letter to Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. In the letters, I'm REQUESTING they ( Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debt.

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 2021-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-04
Company: BARCLAYS BANK DELAWARE
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:
Barclays Bank Deleware has brought forth an account they claim I was responsible for and sued me. I won the initial case on XX/XX/21 and they appealed and never showed up to the Appeal case which was in late XXXX so that is twice now that I XXXX courts have dismissed the case against me and I am not responsible for these debts yet 3 times now have requested that this be deleted from my reports and they still refuse to do so.

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 2019-11-08
Company: Professional Recovery Management
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Re:1. I have never been late with payments on this account. 
CAPITAL ONE AUTO FIN Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was calling every month to get replacement check from charles schwab that has closed my account. I have received a check for the amount of {$17000.00}. I have deposited it in ATM of XXXX XXXX. XXXX XXXX  has not accepted the check and said check will be sent back to Charles Bank and I have to ask Charles Schwab replacement check. I have been calling every month and had spoken to few customer service representatives and explained situation that I need replacement check. They have asked to wait as it may take up to 90 days and after 90 days I have been calling and everyone was assuring my it will be handled and I will receive a check. I also filed a complain to CFPB again XXXX XXXX as well and have received a response from their Executive Office that they have made long time ago attempt to send back funds/ check back to Charles Schwab and I can only ask for funds back from Charles Schwab as they owe me my money. I have never received fund either from Charles Schwab nor XXXX XXXX. I submit this complain to resolve this situation between Scharles Schwab and XXXX XXXX  and get my check in the amount {$17000.00} immediately. I will file a complaint to New York State Attorney General Office for not returning money if I won't get my mount in next 30 days against Charles Schwab and will start legal action.

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 2023-09-07
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to contact nelnet for 15 days now the last time I spoke with a representative they told me my payment will be between {$470.00} {$740.00} a month. I applied for the new save program, according to the student aid.gov application was completed. nelnet no they have not sent me anything and the payment still showing {$1000.00} a month I can not afford this please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
There are over 70 credit inquiries on my credit file with XXXX, equifax and XXXX  and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Problem with personal statement of dispute

Complaint:
I have tried many times over to get XXXX XXXX XXXX to correct the various flaws or errors on our accounts credit reporting. And have had " Personal Statements '' attached, but on our Transunion account reporting, the personal statement is distorted and not easily readable. It contains special characters and merged with the fraud alert. 

The means that the personal statement is posted voids its intent, because it can not be understood from its content. 

XXXX XXXX XXXX DOES NOT CORRECT ERRORS. So the personal statement is our only hope to get around obvious practices. 

The statement could help in clearing up the fact that the errors are intentional

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 2021-01-29
Company: EQUIFAX, 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:
The information on my report is not correct and needs to be deleted. I did not do these things ... I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to notify you about some inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following fraudulent items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/2023.

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 2019-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with Bank of America that used to carry balance. I paid off balance in full in XXXX, but in XXXX I was charged {$1.00} minimum interest fee. I called the bank and their representative was trying to convince me that it's an interest on purchases. However, in my statement it's clearly stated that no balance was subject to interest rate. After I pushed for connecting me with a supervisor, the representative talked to someone and gave me unclear explanation of the situation. He claimed that the change appeared because I had balance in the previous cycle and was subject to interest rate charge, which doesn't make sense since I paid the balance off. This month I made sure to pay off my balance and took sreenshots of my account to have a proof, yet I was charged another {$1.00}. It's not that much cheaper money, but it's very unfair that Bank of America keeps charging me and their customer support can't even provide explanation of the charge.

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 monetary relief
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: MA
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:
Hi , I have apply for an apartment where my application got reject . I disputed the errors on my report in which I was still reject following they didn’t update the correct results . They have the proper paperwork to see the account is paid along with a landlord reference from the property in which they are refusing to acknowledge. Also the accounts they are reporting are not  accurate .  I called asking why my application was rejected resulting in a paid account . I was told the credit  company didn’t report it as paid although they have the proper documentation that it is in fact paid in full . The credit company has two parts credit and rent based on which everything came back paid and in good standing on the rent part . That part should reflect my application status. The XXXX XXXX  received all this information and still rejected me based on unpaid account in which it is paid .

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 2021-09-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. They state it was paid i never paid for this because i didn't even know about it until i seen it on my credit. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.

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