BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 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 2023-09-16
Company: EdFinancial Services
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ED Financial services my Federal student loans. I have XXXX student loans that have always been paid with XXXX payment per month ( XXXX payment covers the due balance of them all ). I missed XXXX monthly payment. However, ED Financial reported in my credit score that I missed XXXX separate payments. I don't think this is legal. I have tried to contact them but they don't return my calls ( XXXX hours wait on hold ). My credit score dropped by over XXXX points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but you failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing this letter to address the delinquent accounts listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 noticed that a XXXX XXXX XXXX  collection was added to my credit. This is NOT my collection and should not be on there 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I went to close my account XX/XX/2019 upon this discovered my account was being fraudulently used with out my knowledge or consent, I reported this upon closing account they stated accounts closed we will be issuing you a check for remaining funds in account and a check for 1 year back of fraudulent charges which were actually 1 1/2 years but would only reimburse back 1 yr. The bank did not close my account for several months accruing maintenance charges also, I was not notified of this nor the denial of reported fraudulent charges which were for XXXX. I didnt even have an account with XXXX it was being used for a woman named XXXX XXXX XXXX to bank of America . I tried for a year to contact anyone at bAnk of America but was repeatedly given wrong numbers for contacts to fix this, I finally got sick of this and scheduled an appointment with a manager at Bank of America in XXXX nh which I was there for hours. The manager said he cant do anything or he would get fired but the bank was in the wrong but according to their policies the only way rectify this situation was for me to repay all of America the XXXX $ something they refunded me for fraudulent charges. Its not much money at all its the principal. My account was being fraudulently used I reported it and did everything I was suppose to, I was lied to by Bank of America saying my accounts were closed and never notified of this with me which In turn led to maintenance fees etc ultimately hurting my credit ability to obtain employment, housing, the ability to obtain a checking account at any bank I still can not get a bank account anywhere! I would greatly appreciate any help or advice I also have an Audio recording of meeting with bank manager and paperwork if you need me to provide any information please let me know and I will provide ASAP. I will only be submitting a few documents/ pictures please let me know if you need more, Thank you respectfully XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had some fraud activity on my account back in XXXX of XXXX I was disputing with XXXX card services, I believed it was resolved but in XX/XX/XXXX I received a card from Ally bank with a new credit card? I open the envelope and I activated the card and turned out ally bank now owned my XXXX account but it had a {$800.00} balance? So I called ally bank to find out what this card balance was and was told it was rolled over from XXXX bank? So I explained what had happened with the fruad and they started a dispute & credited my account on XX/XX/XXXX fir {$550.00}? Which did not include all the late fees that they added for not making payments, I called and explained why I was responsible for the fees when I believed the XXXX  account was closed or resolved because I did not get any correspondence from any of the banks until XX/XX/XXXX 9 months later?? Now I open the app to check if this has been resolved & it says I currently have no open accounts with ally bank? So they resolved my fraudulent charges by closing my account? Charged off?

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 2023-11-07
Company: Experian Information Solutions Inc.
State: VA
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 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 2023-11-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When checking my credit report to buy a home, I saw XXXX XXXX XXXX listed. I called them to request a 1099c because the debt showed as charged-off and written off for {$6600.00} on both my and cosigner credit reports back in XX/XX/XXXX. However, it also strangely showed an updated balance of {$7400.00} as of XX/XX/XXXX. 

I asked the XXXX XXXX representative to explain why they were reporting the debt this contradictory way when she stated it was not written off. The rep claimed it was not actually written off again, despite what the credit reports stated. I requested the 1099-C cancellation of debt form they should have sent me. The rep backtracked and said no 1099-C was available because the debt wasn't written off after all. 
This confused me, since they seemed to be reporting it as written off while still trying to collect on it from me and the primary borrower. The rep told me to contact law office who now has loan, admitting she couldn't properly answer my questions. 
I'm very concerned XXXX XXXX is being intentionally misleading and evasive about this debt they claim is not written off but reported that way. I'm seeking clear answers on why they are reporting and collecting on it contradictorily from 2 people as well as stating written off, which means it was filled on there taxes without sending me a 1099c form. According to the FCRA they are in violation as well as credit bureaus for reporting non verified information on my credit report. A written off or charged off account is a loss and is closed to any future charges. 
XXXX XXXX XXXX is reporting this account as charged-off and written off on my credit report, indicating they have canceled the debt. However, they are now suing me to collect on this same account. This contradictory reporting is inaccurate and violates provisions of the FCRA relating to consumer credit reporting rights. I formally dispute this misleading account information and request a full investigation and correction with deletion.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: AZ
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 ActXX/XX/XXXX ; Account : XX/XX/XXXX XXXX - XXXX, Account : XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XX/XX/XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, Account : XXXXXX/XX/XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XX/XX/XXXX( XXXX XXXX XXXX XX/XX/XXXXXXXX Account XXXX XXXX (XX/XX/XXXX XXXX XX/XX/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 an 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 explanation
Consumer complaint received 2017-08-22
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have tried to fix the accounts I have with Fox Collections. These medical bills where charged to the old insurance instead of the one I had at time of service. Also these balances where discharged through Chapter XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
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 am writing to express my concern and frustration regarding my recent dispute to correct a late open account on my credit report. Despite my initial attempt to rectify this issue, it remains unresolved, and I urge you to take immediate action.

I submitted a dispute with your organization to address an erroneous late open account on my credit report. I provided comprehensive evidence supporting my claim, including documentation that verifies the inaccuracy of this information. However, it has come to my attention that the late open account still appears on my credit report.

I insist that this matter be addressed urgently, as the presence of this late open account is causing significant harm to my financial life. It has unjustly lowered my credit score, affecting my ability to access loans, credit cards, and other financial services. I am entitled, as a consumer, to have a credit report that accurately represents my financial history.

I request the following actions to be taken promptly : A thorough and expeditious reexamination of the late open account in question.

Immediate removal of the inaccurate information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I trust that you will treat this matter with the urgency and professionalism it deserves. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to correct this account : XXXX XXXX Balance : {$470.00}.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: KY
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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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

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 2023-12-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
CITIBANK XXXX ID : XXXX Case ID : XXXX I Opened a fraud dispute for XXXX transactions made with my debit card ending in XXXX XX/XX/2023 XXXX XXXX {$19000.00} XX/XX/2023 XXXX XXXX {$43000.00} The bank denied the claim on XX/XX/2023. Saying that the documentation provided by the airlines shows my name on the tickets. 
I request that letter from the bank and now checking the name XXXX cant see mine. 
The passengers are other people that I dont know them So, the bank denied the claim saying a LIE and false information, Im not on those air tickets. 
I called today XX/XX/2023 to reopen the case but the supervisor XXXX denied my right to have this fixed under the transfer act, regulation C and Z.

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 2023-11-27
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:
As I am looking at my consumer report. I see that TransUnion has not only failed to do an accurate investigation but they have also not responded to my request of method of verification that I asked for regarding accounts : XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Current Status : Open : XXXX XXXX 30-day late payment 2. Creditor Name : XXXX Account Number : # XXXX of First Delinquency : XX/XX/XXXX Amount : {$1500.00} It is being considered a charge off 3. Creditor Name : XXXX XXXX Account Number : # XXXXDate of First Delinquency : UNKOWN Amount : {$2100.00} It is being considered a charge off 4. Creditor Name : XXXX XXXX Account Number : # XXXXDate of First Delinquency : UNKOWN Amount : {$160.00} It is being considered a charge off 5. Creditor Name : XXXX XXXX XXXX Account Number : # XXXXDate of First Delinquency : XX/XX/XXXX Amount : {$5000.00} It is being considered a charge off. Not only did I request the method of verification, but they did not warn me ahead of time that they were going to report this and I did not give them written or expressed consent to do so. They are violating my consumer rights and SO MANY levels. They are failing to accurately report information on my consumer report and everything that is inaccurate will now be listed and shown since they did not do their job. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life. Below are the damages done by not having the correct information on my consumer 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