BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing in regard to my personal credit information being shared on my consumer report. Pursuant to federal law 15 U.S.C. 1681a and 1666b, there is certain information being shared on my consumer report that I would like to cease immediately. This includes transaction and payment history information that is explicitly excluded from being shared.

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to follow certain procedures in order to ensure the accuracy and fair reflection of the information in their reports. These procedures include but are not limited to, the requirement that the CRA must limit and remove any information that is exempt ( i.e. illegal ) from being shared as stated in their own laws. 

The accounts that are legally exempt from being shared are : XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX I would like to request that you immediately take action to remove this credit information from my consumer report, as required by federal law. Additionally, I request that you take appropriate steps to ensure that this does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, 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 2023-04-26
Company: Experian Information Solutions Inc.
State: MO
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 a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DISCOVERBANK Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 3 . 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL 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, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL 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, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2000 XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ONLINE INFORMATION SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2022-10-27
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 explanation
Consumer complaint received 2022-10-27
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Account status incorrect

Complaint:
I just spoke to the Executive Team at Bank of America and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to Bank of America what I have paid and this person still tries to spin it in different ways and Bank of America now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed account.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
YOU ARE IN VIOLATION IT HAS BEEN ONE MONTH AND THESE ITEMS ARE STILL ON MY CONSUMER REPORT PLEASE REMOVE ALL THE FOLLOWING ITEMS AS I AM A VICTIM OF IDENTITY THEFT. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or I WOULD LIKE FOR ANY AND ALL ACCOUNTS RELATING TO XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TO BE REMOVED IMMEDIATELY.

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 2023-06-09
Company: Block, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a card called Cashapp, the parent company is Block ( formerly square ). Without warning the company closed my account; stating that I had violated their terns of service in some way. This occurred on the XXXX of XXXX and since then they have not told me what terms of service I violated. This is a transfer account I used to send money to my Son who has moved to another state and hasn't yet established a bank account. 

I simply want to know what terms of service I violated, I've read through the XXXX and don't see anything, and as I have asked several different " advocates '' and have received the same scripted response each time. They say they've sent my case to the escalation team and that I'll receive a response by email ; they never say how long it will take, nor do they reference a case number until asked. They do not give chat transcripts or phone call transcripts, so I've had to screenshot all of my chat correspondence with them. it's as if they just set everything up for their benefit, even in the terms of service the wording is weak at best. " If you do something bad '', we can close your account etc. 

I don't want the account reopened, but I do believe I have the right to an expedient answer as to why they closed the account. If they had said " hey, it'll take us 30 to 45 days to give you an answer, I wouldn't have been happy, but at least I'd know. As it stands, it's ambiguous and I don't think they intend to answer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Have been owner of a XXXX XXXX XXXX Credit Card for at least XXXX XXXX. No problems in that time period until recently when ( apparently ) there was fraudulent activity with my card. Was told to destroy my old card ( I did ) & that Capital One ( owner of card ) would send me a new one. Have been awaiting a new card for some XXXX XXXX or so. First they said I had to prove that I was who I said I was. I sent them a photo of my drivers license, which they said was unclear, so I sent a perfectly clear one via computer link. They apparently did not like that either, so then, I sent a copy of my passport. I STILL did not get my new credit card and in addition, I got a bill from them for {$95.00} which they said was composed of {$40.00} in " fees '' & {$69.00} in " interest ''. These XXXX figures add up to {$100.00} NOT {$95.00}. I have NO outstanding balance on this suspended credit card and am wondering how this bank can charge interest on a " XXXX '' XXXX & " fees '' without any explanation as to why they would charge me a fee, since they have not done anything that I can see which should cost me a " fee ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CREDIT ACCEPTANCE CORPORATION
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: Problem with personal statement of dispute

Complaint:
I've been trying to have this company removed from my report for quite sometime now. I've spoken to Credit acceptance on several occasions where they verbally agreed to have themselves removed from my credit report. This account has been paid in full and is closed since 2021 and yet it remains on my report. Ive been disputing this with the credit bureau 's as well and they intend to keep this on my report for 10 years. im currently trying to get funding a new home and the lenders are refusing to fund me because of this matter. I am XXXX XXXX XXXX that means id have to wait until im XXXX to get some kind funding. this isn't fair and I need this removed.

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 2022-10-27
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I entered into this contract agreement with ALLY BANK without 1 ). Full disclosure of my right to rescind. 2 ). Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that ALLY BANK AND XXXX XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. I gave them a negotiable instrument legal tender of payment for the full amount of the loan. Also, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1000.00}

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