BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  XXXX authorized a new credit card which I never authorized and sent it to an address which is not mine. I received a notification on XX/XX/XXXX to me email and called them to let them know that I never applied for that card. XXXX  advised me they would cancel the card and XXXX, in fraud department advised me they made a fraud claim for me. On XX/XX/XXXX I received another notice from the bank that another card was processed and shipped out. When I called XXXX on XX/XX/XXXX the fraud department told me that they could not find the claim that was previously done. This was issued after I put a fraud alert on my accounts. The supervisor appolozied and said she would cancel that one too and insured me she would submit a claim. 
Failing to report a fraud claim by a bank caused my identity to be stolen.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: NC
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 business partner 's brother, XXXX XXXX XXXX XXXX open XXXX business credit card accounts using my personal information. I had no knowledge of this until my credit monitoring service ( XXXX XXXX ) alerted me of the negative account. I contacted XXXX XXXX and XXXX, XXXX and Experian to have this matter resolved. It still has not been fixed. MY business partner contacted his brother and asked him directly if he indeed did take out business credit cards in my name. He admitted to it. I will be providing proof of that conversation as well as a copy of the FTC report. There are also fraudulent inquries listed on my credit report account info : XXXX Account Number : 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 2022-11-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: WV
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. It has been over 30 days, I still haven't recieved anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.

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 2022-11-22
Company: EQUIFAX, 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:
I wrote you a letter of dispute asking you to take down the false accounts and information on my credit report. When I checked my credit report, I saw that there were a lot of illegal requests on there as well as some inaccurate account and information reporting. I'm able to tell that these accounts were opened using my stolen identity. I formally reported this to the FTC with XXXX XXXX XXXX as a consequence. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly delete these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. The following list of accounts and data should be deleted right away : 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 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 XXXXXX/XX/XXXX. If you believe these items to be correct, kindly give me copies of your verification and ownership documents. Please remove the disputed items right away if you are unable to locate any documentation to prove the claims that they belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXX XXXX  charges me XXXX per month for XXXX XXXX premium care since XXXX. They send me a monthly email stating that I should contact XXXX XXXX if I have a problem with my phone. I cracked my screen at the end of XXXX and requested repair. XXXX XXXX XXXX refused coverage. they have claimed that I do not have XXXX XXXX. I have learned that XXXX XXXX actually only cost {$8.00} per month to repair phone. The damage to my phone has gotten worse because they will not authorize repair. I registered my phone with XXXX and they continued to charge me but now claim that I have no coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2005 Balance : {$25000.00}

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 explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

List of accounts to be deleted. 
XXXX Late Payment Report in XX/XX/2023 XXXX XXXX - XXXX XXXX XXXX  The reporting of these account is violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My accounts with Bank of America total well over their threshold to waive the monthly maintenance fee. On numerous occasions, I have brought the fees to their attention, and they reverse them and assure me the issue is resolved. They then go back to charging the fees, I follow up with the same info, they remove some and state the issue is resolved, and the cycle continues. This last encounter, they reversed only part of the fees that should not have been charged, and stated they would not remove any further fees.

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 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im a small business customer with Bank of America. Someone stole my identity and deducted {$10000.00}XXXX XXXX XXXXand {$20000.00} from a XXXX XXXX California Bank of America branch and XXXX California branch. The withdrawal slips have a forged signature thats looks nothing like mine with no phone number. I live in XXXX florida. I have tried calling the bank and going to a branch to get back my money. They told me nothing they can do, the fraud department takes 90 days to process while I am broke with nothing. It left me at a negative balance and once I got my direct deposit from work to the account, the bank used that to cover the negative balance. Any logical human being can see this is fraud and credit my account and call the authorities to look at the Surveillance tapes and interview the teller. Please help me. If this is the protection you get from the one of the largest banks in the world we are in major trouble!

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 2022-10-06
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, have 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 explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If TransUnion feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each inquiry is 100 % true, accurate, correct, complete & VERIFIABLE ). If TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-02-26
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have several credit cards including XXXX, Discover, XXXX XXXX, XXXX and XXXX XXXX, all of which are charging in excess of 24 % and as much as 28 %! 

My XXXX  score ranges from XXXX to XXXX and Ive complained to the above listed companies and was provided absolutely erroneous information without any resolution. 

Why am I being taken advantage of when my credit rating is in the excellent range?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: PA
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. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving collection notices for an accident with usaa on a car that I have never owned or driven. I filed a complaint with the state insurance commissioner and they got the insurance company to cease collection efforts. then the collection agency started calling again. I have proven to the insurance commissioner that i was not the driver in the accident. what else can be done complaint number and response from dept XXXX Posted By : State Posted On : XXXX XXXX, The company responded that they were ceasing recovery efforts from you. Can you please upload a copy of the latest documents. I will forward this to the company in a follow up inquiry letter. Thank you.- XXXX XXXX XXXX XXXX XXXX XXXX. 

Policy Insurance Card ID Number UNKNOWN Type of Policy Unknown Employer or Plan Sponsor Policy Number In what state was this policy purchased? 
Type of Insurance Automobile Specify if Other Claim Claim Number Date of Loss XXXX Other Party Other party 's name XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Other party 's policy or claim number XXXX Complaint Details Detail of Complaint I RECEIVED AS NOTICE THAT USAA IS MAKING A CLAIM ON MY MOTORCYCLE INSURANCE THROUGH XXXX. THEY DECLINED COVERAGE AS THIS IS A MOTORCYCLE POLICY AND EVIDENTLY A CAR WAS BEING DRIVEN. I HAVE NOT BEEN IN ANY ACCIDENTS DONT EVEN KNOW WHAT THE DETAILS OF THIS EVENT ARE. XXXX SAID OUR VEHICLE WAS A XXXX XXXX OR SOMETHING. I DONT OWN A CAR LIKE THIS. tHEY ARE NOW SENDING ME TO COLLECTIONS AND I WILL INCLUDE THE REQUEST FOR PAYMENT IF THERE IS A PLACE ON THIS SITE TO UPLOAD Describe what you would consider to be a fair resolution to your complaint THEY NEED TO FIND WHO WAS ACTUALLY INVOLVED IN THIS ACCIDENT OR OWNES THE VEHICLE INVOLED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NC
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'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3200.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2022-11-22
Company: LendingPoint Holdings LLC
State: AZ
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:
Lendingpoint LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This company has reported a supposed debt of {$14000.00} to the credit report in my name. I have never had any accounts with them. I called them and talked to XXXX. She informed me they have no account in my name. Account was opened XX/XX/2022.

Company response to consumer: Closed with explanation