BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: BlockFi Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My credit card stopped working after the company went into bankruptcy. They have not paid rewards for the last month I had the card. The owe me XXXX XXXX. I've reached out to the company but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX  Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Acts 15 U.S.C. 1681 SECTION 602A AND 15 U.S.C. 1681 SECTION 604A SECTION 2, my rights have continually been violated by Capital One, Dept Of EducationXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have since received letters from Bank of America that they can not return the funds. The account was opened fraudulently in a Bank of America bank account. the Lawyer 's office XXXX XXXX XXXX never had an account with Bank of America. I think Bank of America allowed a fraudulant account to be set up in their banking system. They should make me whole. 

See below for more details I was working with a lawyer XXXX XXXX from XXXX XXXX XXXX. to get my bankruptcy filed and I received, what is now to be known as a fraudulent email from someone impersonating XXXX XXXX telling me that the company was having trouble processing payments through their normal portal and I was dumb enough to request an bank transfer on XX/XX/2022 to the so-called bank account of the lawyer. The email appeared to be from the paralegal ( XXXX ) that I was working with but it was not her. I lost {$1800.00} through it because the bank will not refund the money because I initiated the transfer. I reported it to the police here, but doubt they will do anything. The lawyer informed me a month later that they never received my money. and that is when I started to contact the bank and reported it to the police

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 2023-09-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
My car was illegally repossessed. On top of that, the contract I had with Toyota had several violations so I requested to rescind the contract. Multiple times. I have given many notices with no response, and one day they just come and repossess the car.

Toyota can say that I have defaulted on payments, but Toyota is at fault by committing FRAUDULENT MISREPRESENTATION, UNFAIR PRACTICES ACT, TRUTH IN LENDING ACT VIOLATIONS. The contract between me and Toyota was fraud and voided once I discovered the violations, so Toyota had no right to repossess my property.

I can support my claims in court, and I have notarized the affidavits of truth that I have already sent, and I have also notarized the rescission notice. I have also kept all certified mail documents to prepare a legit claim against TOYOTA FINANCIAL. 

In closing, if Toyota Financial Services so chooses to come to an agreement, then it is my wish that the following terms be provisioned so that my equitable interest can be restored. Otherwise, I am fully prepared to file a claim in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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:
Per Experian 's latest response to complaint # XXXX, Experian reported that XXXX XXXX  is currently the mortgagee of the loan account in concern. XXXX XXXX  responded in a phone call that it purchased the loan [ in question ] on XX/XX/2004, although it did not become the mortgagee. Neither XXXX XXXX or the credit union will provide me written details on the sale of my note and loan to XXXX XXXX  The credit union provided a written statement confirming only that the loan was sold to XXXX XXXX. The credit union, thus far, has refused to sign the letter it sent to me. It appears, then, that the credit bureaus ended their investigations on a false premise about XXXX XXXX XXXX current role. What law [ under Georgia laws ] gives the initial mortgage lender ( or any servicer ) the right to : 1 ) dishonor and ignore my request for it to discontinue reporting monthly billing amounts [ regarding the old/outdated loan that has not been updated to show a current [ legal ] mortgagee ] ; 2 ) continue to report the false [ fraudulent ] loan information on the flood certificates ; and, 3 ) refuse to correct false information about the current loan status? Based on my understanding, Experian must provide a resolution that is compliant with all relevant laws, especially Georgia laws, that are specific to the situation currently at hand.

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 2022-06-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acct : XXXX XXXX XXXX XXXX  XXXX Public Record XXXX XXXX. Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court, This makes it impossible for them to verify the Bankruptcy. XXXX XXXX removed this bankruptcy from their files because the dates were wrong, this makes it is impossible for Equifax and XXXX to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act XXXXXXXX XXXX XXXX  ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to have this account validate several time this years in XXXX transunion come back with its been validate, how you just taken the creditors side. Because the dates are inaccurate and they won't provide any information about the original creditors as requested. According The statute of limitations in Arkansas for filing a lawsuit to collect most debts arising from a written contract is 5 years. The statute setting the deadline is XXXX. The Arkansas law states the following : XXXX. They putting false date in order to get by credits bureau

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 2022-06-29
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:
15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. accounts XXXX account XXXX, XXXXXXXX XXXX XXXX  account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NV
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:
My credit Bureaus have inaccurately reported an account by the name of XXXX XXXX XXXX. On my XXXX report it says this account is OPEN and the last payment date was made XX/XX/XXXX, and the original balance is {$29000.00}. On my Equifax report it says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$28000.00}. On my XXXX credit report is says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$29000.00}. 

They have inaccurately reported an account by the name of XXXX  XXXX XXXX on my credit report. On my XXXX report it says the last payment was made XX/XX/XXXX. On my Equifax report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: CDI Affiliated Services, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a ambulance debt to pay of XXXX which i agree is my debt and i just payed XXXX towards it today XX/XX/22 which should leave me only XXXX to go but this agency is charging me a extra XXXX for public agent fee which brings total for this debt to XXXX which is not on the contract and they told me i would still have to pay this extra fee to have debt paid in full. 
The supervisor i talk to and told she can not charge me the extra fee said yes she can even though it is against federal law of extra charges and was not in contract and i did not sign any papers at all due to a ulcer burst and was not awake at time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Personal information incorrect

Complaint:
incorrect information is being reported on my credit report I've reached out to companies and bureau to fix this problem and nothing has changed

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 2023-10-17
Company: Experian Information Solutions Inc.
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:
DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS 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 2023-09-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was reported delinquent 30 days and never late paid on time, should report as current never late and in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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:
Ive noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted 1. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. It is a reason of identity theft. 
Account Number : XXXX Please remove it from my credit report. 
8. It is a reason of identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX  Date OpenedXXXX Amount : {$4100.00}

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
New evidence connected to complaint XXXX I provided all the necessary information and packet the law requires to have this information blocked and removed. Transunion is neglecting my federally protected laws as a consumer. I gave them enough time to remove these harmful and fraudulent accounts from my consumer report. As pursuant to 15 USC 1681c-2 Block of information resulting from identity theft. Transunion was provided a copy of my ID, copy of FTC report, the items to remove, as well as a statement that this was not information relating to ANY transaction by the myself. This was not a request to because of a error. Transunion is willfully and knowingly breaking the law. My complaint was submitted on the XXXX, and it is now the XXXX. That is past the 4th day they had to block and remove the items. This is damaging my credit worthiness as well as curing mental anguish.

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