BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are Inquiries into my Transunion account from " XXXX XXXX XXXX via XXXX XXXX XXXX ''. I have not purchased or enquired anything from XXXX XXXX. Please work with XXXX XXXX XXXX & remove enquires from my account. I have raised request 2 times but still not able to get this enquiry deleted from my account. I even reached out to XXXX but i am not able to get someone from XXXX. I sent email and called many times but not able to get hold of someone who can help. 
XXXX Below are the details regarding inquires XXXX XXXX XXXX via XXXX XXXX XXXX Enquiry date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION XXXX  Can you please advise what i can do? Same enquiry was showing earlier on XXXX & they have removed it. Can you please remove it and let me know what i can do from my end.

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 2023-01-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Account information incorrect

Complaint:
Equifax Credit Report XXXX XXXX account XXXX XXXX  Original Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX status : unpaid balance : {$170.00} This inaccurate collection. Please have removed from my credit account immediately based on the Fair Credit Act of XXXX, both the original agency and credit management are in violation of my rights. I was not contacted and given the opportunity to cure and also this debt is paid in full. Please completely remove this debt from my credit report. I do not consent to this being listed on my report. 


I do not authorize inquiries to be pubic on my credit report. Please remove 2 inquiries listed XXXX and XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Credit Karma, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I received an email from Credit Karma Member Support that my XXXX  account was locked for a direct deposit made on XX/XX/2022. In the amount of {$390.00}. I started the direct deposit several months ago with no emails asking for ID or anything. The regular pay is XXXX, and Holiday and Overtime pay is more. 

Called Credit Karma Customer Services ( XXXX ) and was told that the matter will only be handled by emails. Replied to emails requesting that I receive a telephone call in this matter. Emails stating that my issue has been escalated with our higher level of support. Still no telephone calls. 

I opened this account with no ID, and have my direct deposits to this account with no ID. Now they wanted an ID. When this payment was first made they didn't lock my account, email me just accepted the payment. 

I used some strong words for them to respond to my emails. Because this is the second time they are messing with my account and it is costing me money. I had a payment for my insurance premiums to this account and had the money in the account. They stated that they were doing maintenance on the account at the time which made insufficient funds available. Was charged by my Insurance company a penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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:
I am writing to the CFPB as the effective, judicial, legal and prosecutorial agency to enforce the DODD-FRANK LEGISLATION AND FEDERAL RESERVE REGULATIONS, RULES AND GUIDELINES AND LEGAL INTERPRETATIONS OF ALL THE AFORE -MENTIONED. 
I ALLEGE HERE AND SUFFICIENTLY PROVE WITH A PREPONDERANCE OF EVIDENCE THAT BANK OF AMERICA VIOLATES REGULATION CC, INTENTIONALLY BY ORGANIZED, COMPUTERIZED SYSTEMS THAT BANK OF AMERICA DOES SO IN ORDER TO PROVIDE THEMSELVES A HIDDEN ILLEGAL PROFIT CENTER TO BENEFIT THEMSELVES WHILE SECRETLY DEFRAUDING THEIR CUSTOMERS. 
INCLUDED HERE are the final levels of appeal ; are OCC opinions devoid of legal merit and discretion.The OCC knows where their " bread is buttered '' .Is not the OCC completely and totally funded by member banks? Is not Bank of America the largest depositor bank in America and therefor likely one of the highest contributors to the OCC 's payroll and infrastructure? 
The final opinion of the OCC is that Bank of America can cash and hold checks by whatever Bank of America " feels '' and that the disclosure contract of accounts says Bank of America can '' feel " like not cashing a check, regardless of Regulation CC. 
I allege the criminal, computerized, activity of not cashing checks is dictated by Bank of Americas " feeling '' that they need " to play the float '' with these checks to make profit, however hidden and illegal it could be. 
The Disclosure Booklet is likely necessary to be approved by regulators and as such would be wrongful if it allows Bank of America to " feel '' or " not feel '' like cashing a check. 
Included here is the FEDERAL RESERVES LEGAL INTERPRETATION OF THIS " FEELING '' THAT BANK OF AMERICA WOULD HAVE TO ATTAIN THAT A CHECK COULD BE HELD to " play with the float. '' Bank of America does not meet this legal bar set by the Federal Reserve. BANK OF AMERICA 'S '' feeling that a check will be returned unpaid '' is the analogous equivalent that " pedestrians who cross busy streets may be hit by cars. " Bank of America does not meet the explicit standard of the Federal Reserve for their " feelings ''. 
Bank of America " feels '' like they need profit, legal or otherwise.This extraordinary statement while seeming like an exaggeration is proven in the attachments here. 
Bank of America like XXXX XXXX is guilty of organized criminal activity to defraud customers.

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 2022-07-29
Company: EQUIFAX, INC.
State: IL
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:
I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors. I contacted each bureau and received no response at all which makes my situation even harder because I need to move forward with things including my credit and if this is not fixed I will continuously be denied! 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. 15 U.S Code 1605 ( a ) XXXX XXXX XXXX Account Number : XXXX There are finance charges that are the sum of all payments. There should be no late payments on this account, especially between the year of XXXX through XXXX. They also have a repossession for this account that is not accurate at all that needs to be removed I have never lost possession of my vehicle, it is outside my house as I Type. 

XXXX. Under 15 USC 1666B this is a billing error. This always paid as agreed ON TIME. This is an error. 
XXXX XXXX XXXX Account Number : XXXX Remove these inaccurate reported late payments. 

XXXX. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My brother stole my identity and got these accounts under my name.

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 2022-09-26
Company: EQUIFAX, INC.
State: DC
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 reached out to XXXX XXXX, Account # XXXX {$4000.00} at ( XXXX ) XXXX To verify the account and spoke to the representative XXXX ID XXXX and was told by her they don't have this account under my name and nothing showing in the system. 
This account is closet with amount that preventing me from my right of purchasing my home for my family its creating a problem for me I don't understand if they don't have this account under my name why they reported to the credit bureau it giving me bad credit and it against the laws. I need this account to be deleted all the credit report bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX 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.

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 2022-12-06
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I walked away with the car on XX/XX/2022 from XXXX XXXX XXXX. A day before that on XX/XX/2022 I was going to purchase the car, but the check engine light was on and I told them I would not be purchasing the car due to the check engine light being on and me being a XXXX XXXXXXXX, I needed a reliable car. They told me nothing was wrong with the engine or transmission it was just loose wiring. They called me back on XX/XX/XXXX and said that they had fixed the wiring and the car was good to go, a day of me having the car it broke down on me at a red light and completely shut off. Again they said it was something with the wiring and theyll get it fixed when I had took it back for them to fix it. After I took it back the second time to get it fixed two days later I was driving again and it shut off on me completely, so my mother and I took it back and demanded that I get another car or we will not be doing business with them any further. They said that a new car could not be given to me but that they will fix the incorrect wiring on the car for the third time, they claimed to have fixed it. Before It shut down on me completely I had to go get new brakes, so I went to XXXX XXXX And paid to get my brakes fixed with a credit card they offered me and once they fixed my brakes they told me that the dealership that sold me the car sold me the car with 0 % brake life and they are surprised that I made it here alive. After getting my brakes fixed and opening up a credit card with XXXX XXXX, my transmission went out completely around XX/XX/XXXX. That being the 4th time the car shut off on me, I had a mechanic come to my house to check the car and he told me that the engine was completely shot and the dealership I got the car from sold me the car with a bad transmission that only had a few weeks of life and hes surprised it didnt go out sooner. So I contacted the dealership and they told me that they would go half with me on all the repairs and I told them that I should not be paying for any of the repairs. They told me my warranty of 15 days was already up, even though I told them to fix the car many times during my warranty and they never truly fixed it. So I contacted Westlake financial letting them know that XXXX XXXX XXXX sold me the car with the transmission being out with 0 % brake life and they did nothing to fix the car when it was already having mechanical issues and that I could have lost my life many times in that car. All they told me I still had to make payments on the car and they came and repoed 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 explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX LISTED ON MY CREDIT REPORT STATES I OWE A BALANCE OF {$64.00} THAT IS NOT CORRECT I CONTACTED THE COMPANY THEY ARE AWARE I HAVE A {$0.00} BALANCE PLEASE REMOVE THIS INCORRECT INFORMATION PLEASE REMOVE OFF OF 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently acquired my credit report and discovered that I have fallen prey to identity theft. As I am currently in the midst of purchasing a home for my family, this distressing revelation has had an adverse effect on me. I kindly ask for the swift removal of these deceptive accounts from my credit report. Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: PA
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:
my credit report is not 100 % correct this information listed on my account is not correct I am disputing XXXX account listed on my account THIS IS NOT MY ACCOUNT THIS 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 explanation
Consumer complaint received 2020-11-02
Company: John C. Heath, Attorney at Law, PLLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I recieved a call from Lexington law firm addressed at XXXX XXXX # XXXX, XXXX XXXX, NY XXXX ... They stated they'd help me repair my credit for {$29.00} a month until credit improves. Stated I had about 3 hard inquiries on my credit report that they could fix. I agreed by XX/XX/XXXX they could take the XXXX and move forward. When XX/XX/2020 came I logged in and check my account with them and was going to cancel services but noticed they were going to take {$120.00} instead amount agreed on ( XXXX ) so even more I was going to cancel services. I go and look today again on my account services and now it states I'm needing to pay {$140.00}. I spoke with a female named XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.

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 2023-09-20
Company: Experian Information Solutions 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$730.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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