BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
TransUnion Addresses : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA Inquiries : XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-12-12
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello this is XXXX XXXX and my account is locked and ive tried multiple times to get it unlocked to no prevail. 

My account was locked after i deposited XXXX in cash into the atm and im requesting my account be closed and a cashiers check mailed to me. ive had an awful experience with this bank and its support and fraud team not being helpful at all.

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 2022-09-29
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i never received any information about the car they never told me whether they sold the car or left it in impound i need proof of this and i let them know where the car was so for them to leave it at the XXXX dealership was not my fault it was their responsibility to get the vehicle of XXXX property. also where is the vehicle mow and i never received any information about that also. Did you investigate or just took what Exeter responded and closed the case out, I need proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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:
My name is 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When my XXXX auto lease was about to end, new dealership from XXXX offered to take over my lease and pay me the difference. After the lease was transferred to the XXXX dealer, not sure exactly what happened, but the credit report says that I did not make the monthly payment in a timely manner. So it hurt my credit score as the record says I missed XXXX months of payment. Please see attached for the record of the release of liability.

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 2022-12-12
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello this is XXXX and im requesting to have my account closed and my funds mailed to me, i tried doing a XXXX  payment to a friend and the first one went through no issues and the second one completely locked my account and the bank wont unlock it so im just gon na close my account and go elsewhere. 

Awful customer support

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 2022-12-12
Company: United Collection Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company UCB XXXX ( XXXX ) XXXX called my mother and father regarding my debt with XXXX XXXX XXXX XXXX. They told my father that I owed money and told him the exact amount, which he texted to me. That is entirely unethical and illegal and I want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notification about this hitting my credit report, when I have no idea who they are, it says a medical debt, but I am a XXXX XXXX XXXXXXXX veteran and have been under Va care since 2010. ALL my medical is covered by the VA, so not sure how they're saying I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via USPS and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Duvera Billing Services, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via XXXX and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2022-06-09
Company: Experian Information Solutions Inc.
State: NE
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'm tired of sending letter after letter to the buro without receiving a single response from them. I have been disputing several negative accounts that are affecting my credit history and they ignore me.

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 2021-01-17
Company: Experian Information Solutions Inc.
State: FL
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 child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd complaint, someone use my information to apply for credit cards. So I have inquiries that I didnt put there. The inquiries on these dates, XX/XX/19 ; XXXX XX/XX/19 & XXXX XX/XX/19 were all deleted from my XXXX bureau but inquiries XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 and XX/XX/19 remain. The inquiries XXXX XX/XX/19 & XXXX XX/XX/19 were deleted from my Equifax bureau but the inquiries XXXX XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 ; XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 ; XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 & XXXX XX/XX/19 was not. I reported all of them together. Im disputing these 10 inquiries that wasnt deleted on XX/XX/XXXX and I want them removed as soon as possible. Ive mailed 3 letters to each individual bureau and this is my 3rd complaint. I also would like to recieve all verification of all inquiries deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BMW Financial Services NA, LLC
State: MT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I leased a new XXXX BMW. It has been defective for nearly every month during my leasing experience. It remains defective. I believe it will always be defective and will NEVER stop being defective. 

I contacted BMW Financial Services, which is the single most ethically-challenged company in the history of the world. I was told, in a letter, that I could " return the vehicle to a BMW dealership. '' I did this. BMW Financial Services, because it can not do anything without misleading or misrepresenting, blocked the BMW dealer from paying off the car. 

So, here is what I have. I have a letter from BMW indicating I could return the car to a BMW dealership. The letter is a pure misrepresentation, as BMW declined me from doing so after it wrote the letter. 

Now, as a result of my latest complaint, BMW Financial Services has issued me yet another letter. Now, despite the language in my lease or their previous letters, their latest creative misrepresentation letter says : " As stated in our previous response, pursuant to the terms of your Motor Vehicle Lease Agreement ( Lease Agreement ), you have the option to either purchase the leased vehicle or terminate the Lease early by returning the vehicle to a location selected by BMW XXXX  and paying the amount due under either Option A or Option B of Section 30 of your Lease Agreement. Pursuant to Section 35 of your Lease Agreement, you may not transfer the vehicle to a third party without the prior written approval of BMW XXXX. A copy of the Lease Agreement is enclosed for your review. '' So, now, I am asking BMW Financial Services to provide me, in writing, a full and exhaustive list of " locations '' where I may return this wholly defective car which has always been defective, is currently defective, and will always be defective. 

I'll wait for you next response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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 XXXX accounts 1 ). # XXXX XXXXXXXX XXXX XXXXXXXX, 2 ). # XXXX XXXX XXXX XXXX 3 ). # XXXX XXXX XXXX XXXX, 4 ). # XXXX XXXXXXXX XXXX 5 ). # XXXX XXXXXXXX XXXX, 6 ). # XXXXXXXX XXXX XXXX XXXX 7 ). # XXXXXXXX XXXX XXXX XXXX XXXX 8 ). # XXXXXXXX XXXX XXXXXXXX 9 ). # XXXX XXXX, 10 ) > # XXXXXXXX XXXX XXXX XXXX 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX Collecons : XXXXXXXX  XXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX XXXX Employers : XXXX  XXXX  Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX UHEAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: FL
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:
Request XXXX  to remove me from their credit reporting. Name spell wrong, DOB wrong. Address wrong

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 2022-09-29
Company: EQUIFAX, INC.
State: FL
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:
Request XXXX  to remove me from their credit reporting. Name spell wrong, DOB wrong. Address wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A Sates I have the right to privacy 15 U.S.C 1681 section 2 it also states a consumer reporting agency can not furnish a account 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 2022-09-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has my named spelled incorrectly. They told me to correct the problem I needed to fax a letter along with my ID and social security card. I have faxed it twice and the spelling is still not corrected. They have my name spelled XXXX and it is XXXX.

Company response to consumer: Closed with explanation