BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
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 XXXX Account # ending in 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 Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$6700.00} Amount {$6700.00} Status Date XXXX XXXX, XXXX Status XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I put XXXX in my business checking account so I can get the XXXX bonus. I went to the bank and they said something was going on that I have not received the bonus in my business checking account. There was an error opening it up so I thought it started XX/XX/XXXX. I kept my money in there and made 10 transactions on XX/XX/XXXX. There was a lot of confusion because XXXX did not open the account correctly so I had to go back to bank the following week and she informed me that is when my account would be opened. She could not open it with the error that currently happened the week of XX/XX/XXXX. I was then told at the branch I had until the second the week of febuary the XXXX. So for one day im not getting the bonus

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 2022-08-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Not mine amount owed always changes. why what is the reason

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX, PA XXXX Dear TransUnion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX ( Bank ) I Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX ( Bank ) Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXXXXXX ( Bank ) Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX ( Bank XXXX XXXX XXXX : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX ( XXXX and XXXX ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX ( Bank ) Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX XXXX XXXX ( Miscellaneous ) Inquiry XXXX XXXX XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2022-07-27
Company: PLANET HOME LENDING, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the refi process with our current mortgage company in XX/XX/2022. By XX/XX/2022, we had still not gotten anywhere in the process so we canceled the refi and decided to sell our home. We are now under contract with our buyers and also under contract with a seller of our new home. The buyers lender is unable to order the appraisal because Planet Home Lending has not canceled the FHA refi. I have called numerous times to ask them to cancel. The manger in the XXXX department, XXXX XXXX told me on XX/XX/XXXX it was closed on XX/XX/XXXX. As of today XX/XX/XXXX it has still not been closed. I have sent many emails on XX/XX/XXXX as well as many calls to XXXX and his department and they refuse to speak to me. I spoke with 2 different people in customer service and they told me that the refi is still open and unfortunately I have to go through XXXX 's department to get it canceled and closed. I tried calling the XXXX department to speak to a different XXXX and a guy named XXXX answered my call. He said I needed to speak to the service department and transferred me in the middle of my sentence. Customer service was unable to assist since the XXXX is still open, she offered to transfer me directly to XXXX XXXX and when they did, they were told he would not take my call and that someone would contact me by the end of the day. They were just as baffled as me with the lack of customer service in the retention department and shocked they refused to take my call over what should be a simple fix. I have received no help with this company and it might end up costing me the sell and purchase of my new home. I have had my realtor contact them as well. The buyers lender has also gotten involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX {$84.00} closed XXXX XXXX {$8700.00} closed XXXX XXXX {$740.00} closed XXXX XXXX {$280.00} closed XXXX XXXX {$500.00} closed in accordance with fair credit reporting act XXXX Account # XXXX, has voilated 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 consumer reporting agency can not furnish a 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 2022-06-23
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:
XXXX XXXX XXXX XXXX  reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 Open Company response is in progress as of 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
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXXx Credit Bureau XXXX  Open Company response is in progress as of 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
Consumer complaint received 2019-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX 3 transactions of {$1500.00} for a total of {$4500.00} posted to my account without my authorization. I opened a complaint with Bank of America. They claimed the charges were teller withdrawals and the person I spoke with advised me the bank conducted their investigation. They tell me the cameras were not running at the counter on that day and that if they were a warrant would be required to access them. My statement shows it as a teller withdrawal, I did not make these transactions nor did anyone else I authorized with my card.

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 2022-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXXL XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 explanation
Consumer complaint received 2022-04-23
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:
I sent a dispute Dated XX/XX/XXXX in for some erroneous, inaccurate, incomplete items that are reporting on my consumer report. I received just update/ verified on the CRA 's app. I have not received any updated credit report from XXXX or XXXX. I also sent in debt validationXXXXand which not one of the CRA 's or debt furnisher validated the debt. I sent in a letter requesting proof of reinvestigation XX/XX/XXXX and gave them 15 days from the receipt of the certified letter and I still have not received any information from anyone other than verified/ updated in the CRA 's app. This is a major violation of my consumer rights per FCRA, FCDPA ... XX/XX/XXXX {$230.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$19000.00}, I also requested that my personal information be corrected that it reflects which I sent the CRA 's the information they requested, and they have violated my consumer rights. 15 USC 1681 ( a ) ( 4 ) there is a need to ensure that the credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. I demand all information be deleted of all personal identifiable information from my consumer report 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 explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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:
this is one of the account that I report as identity theft. I have attach a police report to this ..please delete this account. If not I will be force to sue all credit reporting agency... 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2022-11-25
Company: Experian Information Solutions Inc.
State: MS
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 company is reporting hard inquiries that I did not do.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  account # XXXXXXXX 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

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 2022-06-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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 and upon review of my credit report I discovered multiple fraudulent accounts, I reached out to the creditors with no response and now I am seeking you assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. 


On XX/XX/2022, I sent 3 certified letters to XXXX, XXXX, and Transunion. In those letters, I simply asked if it was possible to remove incorrect personal information from my credit report. There are too many inaccurate addresses, names, and employment information on my file that isn't supposed to be there. 


I've also taking into account that incorrect, and false information on my credit report is a violation of my personal and privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following XXXX Accounts have violated my rights. 

1. XXXX XXXX, Account XXXX 2. XXXX XXXX XXXX, Account XXXX 3. XXXX XXXX XXXX Account XXXX 4. XXXX XXXX XXXX XXXX, Account XXXX 5. XXXX, XXXX, Account XXXX 6. XXXX XXXX XXXX, Account XXXX 7. XXXX XXXX XXXX Account XXXX 8. XXXX XXXX XXXX Account Number : XXXX 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

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 2022-11-28
Company: LEXISNEXIS
State: MI
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 have several fraudulent accounts listed on my credit report. I have listed them and also the police report 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this is one of the account that I report as identity theft. I have attach a police report to this ..please delete this account. If not I will be force to sue all credit reporting agency... 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account 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 2022-08-21
Company: EQUIFAX, INC.
State: SC
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:
Account Name : XXXX BANK AND XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX BANK AND XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Account Name : XXXX BANK AND XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX BANK AND XXXX  Account # 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