BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX   Made by: XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, 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 2023-06-05
Company: EQUIFAX, 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 2nd 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$2300.00}, XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

cc XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX other DELAWARE XXXX XXXX XX/XX/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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX XXXX XXXX XXXX, MD XXXX(XXXX) XXXX-XXXX Made by: XXXX XXXX XXXX XXXX XXXXY, MD XXXX(XXXX) XXXX-XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, 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 2019-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX  is reporting a fraudulent XXXX XXXX XXXX account on my credit file that was opened on XX/XX/XXXX.XXXX  and Equifax is reporting a fraud account from XXXX XXXX that was opened on XX/XX/XXXXXXXX is incorrectly reporting that my name is XXXX, XXXX, XXXXXXXX is incorrectly reporting addresses of XXXX XXXX XXXX and XXXX XXXX XXXXXXXX and Equifax is reporting a XXXX account on my credit file that don't belong to meAll 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX XXXX, please remove these inaccurate lates.All 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX Account, please remove these inaccurate lates.Equifax is reporting incorrect address:Incorrect Address: XXXX XXXX XXXXXXXX is reporting incorrect addresses:Incorrect Addresses: XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: COAST PROFESSIONAL INC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX, Coast Professional llc sent my employer a US government wage garnishment order. I responded with a copy of my list of schedules in which they were included on XX/XX/XXXX. This company has instructed the payroll associate at my place of employment to mail the payments to the National payment center for the department of education, not XXXX XXXX. The Department of education has canceled my account and I was told that if I have any questions regarding my account to call XXXX XXXX. XX/XX/XXXX XXXX XXXX   was contacted by me per the Department of Education, who did not notify me that they were taking XXXX XXXXXXXX of my federal taxes, nor did they notify the IRS, and the Department of Treasury who told me that the Department of Education does not have to notify me yet I have proof of my discharged debts that have been forwarded to them and a letter from the Department of Education stating that no delinquent account could be found with my name or social security number. yet, there are no records of any of my money, my wages are being garnished by a collection agency that has been included within my bankruptcy and, neither the Department of Education of XXXX XXXX will give me any answers or answer inquiries about my money. The Department of Treasury has not investigated my social security number or the companies involved in my bankruptcy. I am not at fault for individuals incapable of doing their jobs or clerical errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Michigan XXXX These addresses do not belong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2019-06-19
Company: Experian Information Solutions 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions.-Except as provided in paragraph the term " consumer report '' does not include : LIVE any report containing information solely as transactions or experiences between the consumer and the person making the report 568 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2018-02-26
Company: Remitly, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to send money to the XXXX but Remitly just cancelled it for no reason and the thing that made it worse was they deducted the money from my bank account and when I called their customer service they just told me that they will refund my money within 3 days. Although they returned my money within 3 days but I was not able to send money anymore on that day to my love ones in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NY
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:
SEE ATTACHED 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 2019-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in 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 explanation
Consumer complaint received 2019-08-16
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:
On XX/XX/2019 I attempted to deposit a check into a Bank of America ATM that malfunctioned.  The willful failure of Bank of America to respond appropriately resulted in submission of CFPB complaint XXXX    on XX/XX/2019.Bank of America continued to refuse to respond appropriately in an attempt to prevent documentation of the matter; this willful failure of Bank of America to respond appropriately resulted in submission of CFPB complaint XXXX on XX/XX/2019.Bank of America continued to refuse to respond resulting in submission of CFPB complaint XXXX on XX/XX/2019.  Bank of America notified CFPB that he needed more time to respond to complaint XXXX (dealing with the apparent policy of Bank of America to prevent documentation of discrepancies) and on Wednesday, XX/XX/2019 yet another unintelligible message was left on my answering machine.  On that same date Bank of America also notified CFPB that it needed more time to respond to complaint XX/XX/1907.  Subsequently, there have been two more unintelligible messages left on my answering machine.  Bank of America became aware of its malfunctioning ATM on XX/XX/2019 and has spent:	1.	Over two months engaging in willful subterfuge, violating its own internal procedures in the process in an effort to evade culpability; and	2.	Over one month in continuous duplicitous attempts to avoid written documentation of its willful negligence and incompetence.Bank of America epitomizes the reason CFPB should receive increased regulatory authority.  It is abundantly clear that Bank of America believes its policies supersede current laws, rules, or standards.

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 2019-09-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2019 I did not receive my billing statement because it was sent to the wrong address. 

When I became aware of this in XX/XX/2019, I called customer service and they agreed to remove the late fee - but only as a reduction in the total account balance. 

My normal payment is {$44.00} - they were requiring {$85.00} in order to bring my account current. 

This effectively doubled my payment and put me outside of my monthly household budget. It is wrong to require a payment of a late fee up front that they admit was due to an error on their part. 

Since I was unable to pay this erroneous fee, I have been hit with more late fees. I have continued to make my {$44.00} payment every month, however, the company will not consider my account current and the fees and minimum payment keeps growing. 

Please help.

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: 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:
The credit bureaus are reporting erroneous information on 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 explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX Credit Card partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I logged on to annualcreditreport.com. Its not letting me look at my credit report at all. Like they blocked me from looking at it.

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 2022-12-31
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'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2018-12-04
Company: American Credit Acceptance, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I purchase a vehicle from XXXX  XXXX. About two weeks later I returned the vehicle back for over heating issues. I was given a loaner car for about 3 months until the issue were fixed. After receiving my vehicle back about year and some months later the heating issue started back up. After taking it to the shop to get it fixed the issue was never resolved by XXXX XXXX. XXXX XXXX sealed the part that was causing the issue. After I was given notice what was done and why the issue kept causing problems the vehicle broke down. The vehicle was going in and out the shop to fix the problem. I contacted America credit acceptance to do a voluntary surrender and was denied the service. So, I stop payment for them to repo the vehicle so I can do a settlement because I no longer want the vehicle because of the issue I was having. XX/XX/XXXX the vehicle was finally repossessed. In XX/XX/XXXX I contact American credit acceptance to see what was my final debt after the vehicle were sold and to settle my debt. I was told I can settle it by paying whatever I want so I declined the option and told them to mail me a settlement option so I can clear my debt. I was never any option to settle the debt. On XX/XX/XXXX I  noticed the account was higher than usual so begin Disputing it. The balance at that time was now at XXXX. I have filed complaints against them with XXXX that the balance keep changing. After receiving a follow up by XXXX it was brought to my attention the account is still open. My rights has been violated by false reporting to account that supposed to be closed after the vehicle were sold in auction but instead the account remains open and occurring interests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation