BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-24
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-12
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: CO
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:
Dear Sir/Madam, I am writing to dispute inquiries on my credit report that were made without a permissible purpose. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau may only provide information about an individual 's credit report to individuals or entities with a permissible purpose, such as lenders, employers, or insurers, among others. 

I have reason to believe that the inquiries on my credit report were made without a permissible purpose, as the individuals or entities that requested the information did not have a legitimate reason to do so. This is a violation of my rights under the FCRA, and I am requesting that the inquiries be removed from my credit report immediately. 
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX I would like to remind you that as a credit bureau , you have a legal obligation to ensure that the information in my credit report is accurate and up-to-date. If the inquiries were made without a permissible purpose, they are not accurate and should be removed. 

Furthermore, I would like to request a complete copy of my credit report, including all inquiries made within the past year. I believe that this will help me identify any other instances where my credit report was accessed without a permissible purpose. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America checking account created in my name fraudulently. Can not access account or customer service to have account closed.

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 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened on my name fraudulently for the third time emails were sent to my wifes email for some reason I have reported this to the XXXX XXXX XXXX and I have spoken to Bank of America about the situation. Several times they assured me it wont happen again but it happened again. I have no other options and Im reporting its everywhere can I to protect myself.

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 2023-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. Equifax have violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 ; I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 has also states a consumer reporting agency can not furnish a acount without my written instruction

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 2023-04-24
Company: TMX Finance LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We got the loan for XXXX the payoff amount is XXXX we lost our jobs bc of the car breaking down and issues with XXXX and our kids going through therapy our payments was XXXX a month we got behind 36 days tried to renegotiate terms before that but they said they couldn't do that and at that time we didn't owe them money because we was paid up. This is in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
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:
I recently received a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of purchasing a new home for me and my family. Please remove all the fraudulent accounts from my credit report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 explanation
Consumer complaint received 2023-04-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is not allowing letters by mail to be delivered at their dispute address they gave on their website, XXXX XXXX XXXX, XXXX, PA XXXX. So I will have no choice but to submit my disputes this way

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 2023-04-24
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company involved is Bridgecrest. I obtained a car from XXXX and used their loan company Bridgecrest to finance the loan. On XX/XX/XXXX the car was totaled. I had full coverage insurance with a {$1000.00} deductible as well as gap insurance. ( I can provide necessary documentation for all of this ). When going through the entire process, it is standard to get the payoff amount for the Auto loan. The payoff amount effective XX/XX/XXXX was {$19000.00}. The following payments were made to close off the account : ( XXXX ) XXXX XXXX principal payment : {$15000.00} ( XXXX XXXX XXXX XXXX  principal payment : {$3500.00} ( XXXX ) XXXX XXXX : {$900.00} Total payment amount : {$19000.00}. Meaning i was owed a little more than {$100.00} back. This should have been settled in XXXX. I was fine and forgot about the money owed until i checked my credit report and saw that i still had an active loan. And the company said i still owed {$100.00} on principal for the loan. I assumed it was because of the standard payment i made and sent in money to payoff the loan. I checked on XX/XX/XXXX, and saw that now i owed a principal balance ( and not payoff balance ) of {$600.00} to Bridgecrest, when the loan was paid off about two months prior. 

Per Bridgecrest own files they did the following : ( 1 ) Reversed the XXXX payment twice as both times it was applied as Principal only payment, then applied the payment as a standard overpayment. 
( 2 ) Reversed the XXXX XXXX  payment twice because both times it was applied as a Principal only payment, and then applied the payment once again as a standard overpayment. 
( XXXX ) Reversed my standard payment twice, for what reason im not sure ( the money has been out of my account for months and was never returned, im assuming this is the same for the XXXX payments and the XXXX XXXX  payments as well ). 

Bridgecrest reversed my payments in a fraudulent matter. The first payment reversal was on XX/XX/XXXX for all three of the aforementioned payments. After this, they reversed and reapplied the payments again on XX/XX/XXXX for all three payments, each time charging me fees and reapplying the payments on the dates of the reversal to apply interest. Also because of the reversals and how they applied the loan, my statement now says the next payment is due on XX/XX/XXXX. This is fraud. ( I have documentation for this as well ). When i saw this, i contacted their customer support and spoke to XXXX. I was not allowed to speak to the accounting team, anyone in legal, a manager, or even given a tracking number for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent multiple certified mail letters to Transunion 's dispute address, and they all keep getting sent back, here is my dispute.

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 2023-04-24
Company: First Technology Federal Credit Union
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Somebody applied for a card in my name at First tech credit union. I am asking the application be closed and the inquiry placed on my credit report be removed. I called FTCU and asked information be removed but representatives said Sorry we can do nothing and hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There are companies that are reporting me as late even though I'm not that's why I need you to look at the attached documents to understand what happened.

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 2023-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has also states a consumer reporting agency can not furnish a acount without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Prior to XX/XX/2023 I filled a dispute with Equifax about 2 accounts I have on my credit report. 
I requested that the account be removed because I have paid both accounts off in full satisfaction and I applied supporting documents that showed that I have satisfied my claim of the two said accounts. 
On XX/XX/2023 I filed another dispute submitting supporting documents in a PDF file on Equifax platform and was answered the next day. 
Equifax denied my request to remove both bad accounts off my credit report even though I had supporting documents stating I paid off my debt. 
This two accounts was for Department of Social Services and the Department of Social Services sent me notary letters statement showing I paid my debit off and Equifax denied my request to remove the account off my credit report. 
FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Reporting company used your report improperly

Complaint:
I have attached a a letter from United States bankruptcy Court stating they do not give out info to anyone to verify a bankruptcy and for that reason alone the bankruptcy reported to all three of my credit bureaus needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
Please view FTC REPORT and proper identification attached. TRANSUNION VIOLATED FEDERAL LAWS

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