BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A Bank of America credit card appears in my credit report and does not belong to me. 
the account belongs to someone who has my same birthday and almost same name I have already obtained a police report and an affidavit of identity theft victim which I will be happy to submit to you Other items have been removed from my credit report who belong to the same person of the Bank of America credit card. 

I contacted Bank of America and they couldn't help me. 

Please assist me so Bank of America stops reporting such credit card in my credit report thank you.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: HI
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:
On XX/XX/2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XX/XX/2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XX/XX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted. 
-Investigation request letter with 2 forms of ID.

-Certified mail stubs, front and back.

-Request letter to update personal information, also sent with 2 forms of ID.

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 2022-11-29
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to make a formal complaint against TD Bank. I received multiple calls regarding escrow difference on my patient of XX/XX/22 of {$34.00}. I sent the payment which was {$1700.00}. Instead of applying that amount to the mortgage they held it in an escrow account. I agreed to go into the bank to make a payment of {$34.00} however when I arrived the bank then stated I was to pay {$1800.00}. 

I made another call to the bank where I was told that all fees would be waived and that this would not affect my credit report if I made the XXXX payment of {$1800.00}. At that time they were supposed to take the extra money to apply it to the XX/XX/22 payment and be current with all payments. 

As of today I received a notice that my credit report shows late payment from TD Bank XXXX and all late fees are still present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX US Dept of Education, Fed Loan # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX 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 US Dept of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX card services to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX card services business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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: AL
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:
XXXX XXXX  ( XXXX ) Violated my rights for years, i didnt give any consent to anyone, never received validation request, severly inaccurate that by law must be removed.. 
Account ( XXXX ) soc sec administration.. 
Is also in violations of never giving me validation, on saying " verified '' wrongfull Investigation.

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 2022-11-29
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
excessive closing penalty CD fully matured on XX/XX/2022 Requested that account be closed on XX/XX/2022 Bank charged penalty because account was not closed within 3 days of XX/XX/2022 My position on this account is that I should only forfeit interest earned after XX/XX/2022 the bank has instead cancelled all interest earned prior to XX/XX/2022

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed from 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
On XX/XX/2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XX/XX/2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XX/XX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted. 
-Investigation request letter with 2 forms of ID.

-Certified mail stubs, front and back. 
-Request letter to update personal information, also sent with 2 forms of ID.

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 2022-06-26
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo card services has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Wells Fargo card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Wells Fargo card services to furnish any late payments to my consumer report. It is my belief that due to Wells Fargo card services business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: TN
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:
The credit Bureaus never did a proper " Investigation '' According to the FCRA. 

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCRA And Congress Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my accounts was properly verified by FCRA method they took, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE is different with each Credit Bureaus Which mean Creditor is reporting inaccurate information to each Credit Bureaus. Or is the Credit Bureaus Reporting or furnishing whatever they choose. Moreover, whichever one of the two are still a Violation against MY Right and against the Law that CONGRESS HAS IMPLEMENTED. 

THIS IS A VIOLATION CAUSING ME DAMNAGES TO DEAL WITH ADVERSE REACTION IF I APPLY FOR CREDIT, HIGHER PREMIUMS, THIS IS NEGILENCES GROSS NEGILENCES AT THAT. MONETARY RELIEF AND DELETION IS WHAT I AM REQUESTING. XXXX FOR EACH VIOLATION. 

THEY ALSO VIOLATED THE LAW CONGRESS SET IN PLACE TO HELP CONSUMER BUT BIG COMPANIES ARE BREAKING THE LAW. 

15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY! 

15USC 1681 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT IWTH MY WRIITTEN INSTRUCTION. PLEASE FURNISH DOCUMENTs WHERE I HAVE GIVEN WRITTEN INSTRUCITON. IN WHICH I DID NOT BELOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: TN
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:
The credit Bureaus never did a proper " Investigation '' According to the FCRA. 

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCRA And Congress Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my accounts was properly verified by FCRA method they took, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE is different with each Credit Bureaus Which mean Creditor is reporting inaccurate information to each Credit Bureaus. Or is the Credit Bureaus Reporting or furnishing whatever they choose. Moreover, whichever one of the two are still a Violation against MY Right and against the Law that CONGRESS HAS IMPLEMENTED. 

THIS IS A VIOLATION CAUSING ME DAMNAGES TO DEAL WITH ADVERSE REACTION IF I APPLY FOR CREDIT, HIGHER PREMIUMS, THIS IS NEGILENCES GROSS NEGILENCES AT THAT. MONETARY RELIEF AND DELETION IS WHAT I AM REQUESTING. XXXX FOR EACH VIOLATION. 

THEY ALSO VIOLATED THE LAW CONGRESS SET IN PLACE TO HELP CONSUMER BUT BIG COMPANIES ARE BREAKING THE LAW. 

15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY! 

15USC 1681 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT IWTH MY WRIITTEN INSTRUCTION. PLEASE FURNISH DOCUMENTs WHERE I HAVE GIVEN WRITTEN INSTRUCITON. IN WHICH I DID NOT BELOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MI
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:
Inquiries were made without my consent

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
by law, under the FDCPA, a credit reporting agency must make sure, without a shadow of a doubt, that ALL information being reported is accurate and precise so that the consumer is being protected and provided for. my information is private and is NOT TO BE SHARED unless i consent to it!! In order for any consumer reporting agency or 3rd party debt collector to use ANY of my private information, they must have several things on file ( 1 ) MY WRITTEN CONSENT SIGNED AND DATED ( 2 ) AN SSA XXXX FORM ( XXXX ) THE CONSENT FOR RELEASE OF INFORMATION FORM and the DEED OF ASSIGNMENT, also the FULL ACCOUNTING FROM BEGINNING TO END OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE AND NOT SOME STATEMENTS OF ALL VITAL INFO. IDENTITY THEFT HAS BEEN COMMITTED AND FALSE REPORTING WITH MULTIPLE LAWFUL VIOLATIONS. just a few for complete clarity ; 15 usc 6801, 6802 and 6803. probably the most important statement in this correspondence is MY WRITTEN CONSENT and 15 usc 1681 ( c ) -2, IDENTITY THEFT. Everything pertaining to credit worthiness is centered around the Social Security Number, so in conclusion the Social Security Administration governs my information according to the 2 items i specified above and Congress governs ALL 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 explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was reviewing information on my consumer report and I noticed some information that was outdated, inconsistent and incorrect. I would like to remove the following information to make sure that things are in order. 

Any information that doesn't match my current information must be removed. 

Under ( FCRA ) it state 's that i have the right to privacy, accuracy, and what is reported on my consumer report pursuant to the following codes : 15 USC 1681 ( A ) ( 4 ) XXXX  : XXXX 15 USC 1681E ( B ) XXXX  : XXXX 15 USC 1681i ( 5 ) XXXX  : XXXX 15 USC 1681b XXXX : XXXX I have also enclosed a letter going stating the correct 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 2022-06-07
Company: Experian Information Solutions Inc.
State: AL
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 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 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 explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, 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 was trying to purchase a new home, so I decided to check my credit report, I then realized that I had damages on my credit report and accounts that were not recognizable to me/ accounts opened I have no knowledge of. I reached out to each bureau to notify them that there was information listed that was fraudulent and were from an alleged identity theft.

According to the 15 U.S.C 1681c-2 law 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have an Auto Loan through XXXX XXXX and have noticed inaccurate late payment reporting 's on my credit report. Upon finding these discrepancies I immediately disputed the late payments through the credit bureaus individually that reported incorrectly and no correction was made. Per section 312 of the Fair and Accurate Credit Transaction Act it is required by law to issue guidelines for furnishers regarding the accuracy and integrity of the information about consumers furnished to consumer reporting agencies ; prescribe regulations requiring furnishers to establish reasonable polices/procedures to implement the guidelines ; and issue regulations identifying the circumstances where a furnisher must reinvestigate a dispute about the accuracy of information in a consumer report based on a direct request from consumer. Furthermore, my rights were violated after requesting an investigation to rectify these inaccurate reporting 's and no changes were made. 
Listed below are the following incorrect reporting 's listed on my credit report that need to be corrected to appear as On Time Payments. 

XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 days Late ) XX/XX/XXXX ( 30 Days Late ) XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( Rated X )

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