BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, the consume and natural person, was denied a car loan by USAA when I applied on

XXXX.XXXXAdverse action against a consumer is AGAINST THE LAW according to 12 CFR Part 1002 of the Equal Opportunity Act. In which Regulation B protects applicants from discrimination in any aspect of a credit transaction and aspects of credit transactions include the following : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit The Equal Opportunity Act is codified in 15 U.S. Code 1691 ( c ) and is pursuant to civil liability under U.S.C 1692k . USAA is subject to criminal liability for violating 15 U.S. Code 1691 as I have the proof that I was discriminated due to the response I received. I the consumer made the application in good faith, but loan was not issued.

Furthermore, because USAA as access to my social security number, described as a credit card under 15 U.S. Code 1602 ( l ). I received no benefit. This is proof of fraudulent activity ( unauthorized use ) o
n behalf of USAA.

I am the original creditor by means of my social security number. 12 U.S. Code 1431 - Powers and duties of banks, stipulate USAA can ONLY borrow, and is only loaning the funds created from my social security number and signature on file.

If USAA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card ( social security ). I will indeed make USAA criminally liable for all actual damages pursuant to 15 U.S. Code 1681 ( n ) and 15 U.S. Code 1681 ( o ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/22 at XXXX XXXX I got a phone call saying my electricity was being cut off and that I could pay with my Bank of America mobile app using XXXX XXXX I authorized the XXXX payment for {$200.00} but I did not authorize the XXXX other payments.During this phone call I became worried so I hung up and tried to cancel the transaction on the BOA mobile app, I tried to cancel all four transactions. I called BOA and XXXX and tried to cancel the transactions and also I informed BOA and XXXX that the transactions were and are fraudulent and not authorized. All transactions were sent XXXX. These fraudulent transactions cost myself {$3400.00} I am XXXX old an live on a fixed income

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 2022-09-27
Company: Experian Information Solutions Inc.
State: AK
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 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. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AK 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 2022-12-07
Company: Universal Recovery Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account was added to my collections account XXXX XXXX and XXXX. XXXXXXXX XXXX  total amount {$550.00} opening date XX/XX/2020. Ive never received documentation or bills from this insurance carrier. I made initiative to call and very collections and when was their an option to settle or dispute, no results no options given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: M&T BANK CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an account with M and T bank for 2.5 years and I tried to call them to ask about how much interest iv paid for the past 2.5 years on XX/XX/2022 Saturday. My payment is due on the second. I can't get a hold of anyone except an automated system and when I got a hold of a representative once she asked for my name and social sending me through 5 automated unsolicited advertisments than I hear good bye at the end of the call suddenly. I have a secured loan with them so I take this seriously. I can't get a hold of the bank and I'm being going to be charged more interest because I am unable to talk to anyone and my payment may not even get made because no one will answer the phone plus these advertisments are completely unacceptable and unwelcome.

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 2022-09-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Account information incorrect

Complaint:
Dear XXXX  : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : XXXX XXXX XXXX XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.

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 2022-08-23
Company: Experian Information Solutions 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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX WAY XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4000.00}, XXXX XXXX XXXX Balance : {$660.00}, XXXX OF MO XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX OF MO XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: OH
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 am filing this complaint due to a unauthorized account from XXXXXXXX XXXX, XXXX # XXXX ( XXXX XXXX XXXX ) I have never had a XXXX account for cable or internet. Someone has use my name and information to open up an account. I am disputing this under the FCRA 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 non-monetary relief
Consumer complaint received 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America illegally withheld rightfully earned rewards on XXXX of the credit cards I have with them. They did not allow me to redeem rewards where the transactions were completed successfully and shown on my statement. Instead bank of American decided that I was a risk and closed my accounts. I have been with them for more than 5 years with the same activity throughout those years. Bank of America not paying rewards to customers who have rightfully earned them is illegal. Bank of America has been penalized before for wrong doings like this and it seems they just keep on repeating said violations. XXXX XXXX XXXX XXXX XXXX XX/XX/2023.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 this creditor, XXXX XXXX XXXX, has violated my rights. Under15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. In addition, I was not given the option to optout under 15 USC 6802 B. Also, under 15 USC 1681a ( 2 ) ( a ) ( 1 ) late payments should not be reported as negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Today XX/XX/12 I checked my TransUnion credit report and saw a notification that my score dropped XXXX points due to an inaccurate reporting. The account is XXXX XXXX - XXXX XXXX The account was closed and have been reporting closed for over 1 year as a charged off account ( with a balance still reporting ). Now on XX/XX/12 after checking it shows the account as opened ( see attached ) with 229 % utilization on an already closed account. This inaccurate information not only dropped my score but puts more distrust in these CRA and banking systems more than ever.

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 2022-09-27
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX. 

XXXX BANK # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX AUTO XXXX, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: OH
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 am filing this complaint due to a unauthorized account from XXXXXXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX ) I have never had a XXXX account for cable or internet. Someone has use my name and information to open up an account. I am disputing this under the FCRA XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NE
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 submitted a complaint again XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX Account # XXXX : XXXX XXXX has violated my rights. 


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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted a dispute to your company after i found several inconsistencies and errors. The responsibility of the credit bureaus remains to verify information before posting. if inaccurate information is found it must be deleted immediately according to the FCRA. 
I did not request these accounts to be updated, I requested for them to be verified or deleted. this is my final attempt to resolve before contacting attorneys.

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 2022-07-30
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX, Enter into a settlement agreement with XXXX BANK XXXX XXXX A. AS XXXX THE XXXX XXXX XXXX.AND THEIR SERVICERS : XXXX XXXX XXXX XXXX. 
and I placed a complaint with this agency on ; XX/XX/XXXX complaint that XXXX have never provided proof that they honor the settlement agreement terms by the removal of fees and a reduction of outstanding balance ; reducing principal and interest from : {$470000.00} to {$430000.00} on XX/XX/XXXX see attached settlement agreement copy and payment of taxes, interest and principal payment according to promissory note ; PRINC & INTEREST {$1300.00} ESCROW UNTIL XX/XX/XXXX : {$95.00} PAYMENT EFFECTIVE XX/XX/XXXX {$1400.00} PER MONTH See escrow activity ( attached ) So We have request in Writing phone calls and Error resolution letter of our account activities and never got any answer on XXXX XXXX XXXX XXXX  transfer loan to : SN SERVICING XXXX XXXX XXXX ; building XXXX XXXX XXXX, LA XXXX Loan # XXXX Hoping the new servicer will Honor the agreement it got worse request again again for account activity, statements, proof of correction of fees and balances reflecting settlement agreement to this date they have ignored all my requests by writing and phone calls and emails see attached corresponds from SN SERVICING our dispute is {$36000.00} settlement agreement and {$13000.00} of unspecified fees WE WANT PROOF OF CORRECTION AND A W-9 AND A DETAIL OF ACCOUNT ACTIVITY WE HAVE NOT BEING ABLE TO DO ANY LOSSMITIGATION BECAUSE OF THIS ERRORS see all attached documents to collaborate our dispute. 

XXXX and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: MD
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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