BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
im writing to you regarding discrepancies i have found on my credit report. 
XXXX XXXX XXXX  # XXXX XXXX, transunion, XXXX is account as opened. Obviously a account thats been sent to collection should not be listed as an " open account. '' I do not recall having this account or being associated with this company ever i am asking this agency to provide the monthly payments, credit limit, terms, date of first delinquency and date closed as they are missing from the report. 

You were this letter is formal notice that you have failed to respond to my dispute letter in case you are unaware, in accordance with the FAIR COLLECTION PRATICES ACT 15 USC 1692g '' Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " delete '' this item immediatley

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 2023-12-31
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: MicroBilt / PRBC (formerly CL Verify)
State: NV
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 Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICROBILT 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

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 2023-01-11
Company: BMW Financial Services NA, LLC
State: NV
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 Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 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 BMW FIN 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 BMW FIN 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 2023-09-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had recently mistakenly deposited an erroneous check in my account on XX/XX/2023. 
I had created a new account and had attempted to move the money in an effort to not co-mingle or spend the funds as a legal precaution. XXXX were able to go into the account and XXXX were on hold.The same day I called USAA to inform them I suspected the check was fraudulent and advise them to look into it. This was reported to the fraud department of USAA. 

I gave additional information to include the addresses names and the like that were given me to assist in the investigation. 
On XX/XX/2023 I received a call from USAA that my accounts were locked due to a negative balance on my way home from work. I was literally running out of gas attempting to get home to my daughter. All of my accounts are locked because they are under review due to a negative balance of - {$2500.00}. This {$2500.00} resides in another account and is inaccessible to anyone at this time. I am unable to use my debit card as well. No one at USAA can do anything about it. Members as a whole are unable to talk to managers or supervisors due to something? Additionally there are no contingencies available for such situations such as expediting, debiting another owned account by request, etc.. The only option being an additional deposit which would require access to another bank account since they would be external sources I had since switch the auto overdraft to take from the account where the money resides in the hopes that something can be done. 

I am now in a scenario where I can not access any funds, my paycheck has gone into the bank before I knew what had happened, and I am being punished for being a victim of a work online scam all while attempting to assist the authorities in catching the culprit. 

I am left with no way to access my money, very little gas, and a child. All while the Member resolution team is not allowing members to speak with any supervisors or managers as a defacto unwritten policy as the money sits in the bank ready to be transferred to cover the defrauded account. 

This bank is supposed to be for veterans, active, and reserve military. How in the world can you treat those who would lay down their lives for their countries in such an extremely inappropriate fashion? 

Imagine if this happened abroad?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
In XXXX of XXXX Bank of America opened an " XXXX XXXX XXXX '' account in my name without asking me. I have never had a Bank of America Checking account or Savings account. I do have a mortgage and have made several complaints about Bank of America 's handling of my mortgage to the CFPB over the past year. 

In XXXX  v. Bank of America ( 2017 ), XXXX XXXX XXXX, Bankruptcy Judge, wrote : XXXX XXXX lives. This automatic stay violation case reveals that he works at Bank of America. https : XXXX As of XX/XX/XXXX Bank of America states that I have a negative balance of {$14.00}. That is XXXX for XXXX, XXXX and XXXX of XXXX. 

I have no idea how this account was opened and honestly wonder if it is a punishment for complaining to the CFPB about my mortgage. I would have not considered that prior to reading this article about the XXXX  case : https : XXXX " The judge cited communications from the office of Bank of America 's CEO, both to the Sundquists and to the Consumer Financial Protection Bureau , the watchdog agency currently under attack by the Trump administration . After the XXXX  petitioned CFPB about the case, Judge Klein wrote that BofA lied to the agency by denying that they ever foreclosed. '' " The oppression of the XXXX  can not be chalked off to rogue employees betraying an upstanding employer, '' XXXX XXXX wrote. " This indicates that the engine is driven by direction from senior management. '' He even added that the misconduct of the CEO 's office " strayed across the civil-criminal frontier. ''

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 2023-08-24
Company: JPMORGAN CHASE & CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I notified Chase bank in regards to my denial for a vehicle from XXXX XXXX XXXX. The representative that I spoke with explained to me that he was aware of the Federal Reserve Act Section 16 and Equal Credit Opportunity Act and that Chase Bank doesnt have to abide by the Constitutional guidelines and policies. Roughly thirty minutes to an hour later a supervisor reached out to me. I expressed my same concern and she gave me the same answer. She also switched me over to her supervisor. They had me on off and suddenly the phone hung up mid ring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Tried to order a mover on XXXX XXXX to move Friday XX/XX/15 and chime card got denied for temporary hold. I just got paid 15 mins prior so I went online on XXXX find chime support number XXXX  XXXX spoke with XXXX who told me I need to go to XXXXXXXX XXXX and download app called XXXX Remote desktop to reset my phone and he will assist me. He said to go to settings hit permissions then go into the app and highlight every part of the device so he can have remote access. He took over and told me to log into my chime account which I did via finger log in. He then took {$200.00} out of my checking account then said he needs to verify it is working he will take funds out then put it back after verification clears and to wait. My {$200.00} disappears and he sends it to pay anyone named XXXX XXXX under XXXX. Then he goes into my savings and takes my direct deposited employee check of {$1000.00} and sends it to pay anyone named XXXX XXXX under XXXX XXXX. He then ask to pull up my XXXX XXXX I say what for that's when the red flags come out I say put my $ $ back in my account now. He then hangs up. I call back and he states I am crazy. I contact chime support again at different number from XXXX XXXX XXXXXXXX. I spoke with chime support first who sent me to fraud dept. I explained what happened freaking out. I was told I could file a dispute had to answer some questions. I was told if I am approved by fraud investigators I could receive a temporary credit to my account within 10 days. I explained I needed to move now and need my money now for me and my son. I was told the investigation could take up to XXXX days. So now I am stuck with no money to move. I feel like this is unfair and I want my money back right away from Chime no delays. I am unaware of online fraud until now and feel as the victim of online fraud and misrepresentation online that I should be reimbursed immediately! No questions. I was also told that I should only use the mobile app for chime and not search online for chime support by chime support representative. Please I need your help to make chime reimburse all my money immediately. I can be reached via email XXXX which is the best method of contact instead of phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please see document provided from the company ( 3rd party ) handled the debt owed stating the debt was paid in full and I requested a written document to prove this just in case they continued to report this debt unpaid, which is the problem. Company name ProCollect for XXXX XXXX. 

ProCollect I n c o r p o r a t e d XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX ( XXXX ) XXXX Office Hours : Mon-Thurs XXXX - XXXX ( XXXX ) Fri XXXX - XXXX ( XXXX ) Sat XXXX - XXXX ( XXXX ) XX/XX/2022 Creditor : LEASE TERM INSURANCE GROUP Office Manager : XXXX Attached letter came from manager with ProCollect who handled XXXX XXXX 


*** PAID IN FULL LETTER*** Receipt of this letter acknowledges that the above referenced account is paid in full. This will release you from any further obligation concerning this matter. Any derogatory credit reported by ProCollect , Inc. on this account will be adjusted. 

Sincerely, XXXX XXXX Office Manager

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 2023-05-16
Company: Spring Oaks Capital, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXXXXXX XXXX XXXX my mortgage was transferred from XXXX XXXX to Roundpoint Mortgage Servicing, my final payment was misapplied showing me as more than 31 days late. In XXXX of XXXX  this was rectified by XXXX XXXX and Roundpoint. During this time my credit was affected and Roundpoint has charged me late fees. My account still shows over 31 days late for each month.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is showing a credit report online from XX/XX/2023. I have made several calls to dispute old information and request for an updated credit report online to date my credit report has not been updated

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 2022-11-26
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The following is the fraudulent account : 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 2023-01-12
Company: EQUIFAX, INC.
State: MD
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. 

Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX BANK XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : 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 2023-01-12
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Disputed through credit report as well, but I did not receive any communication from the original Creditor about debt owed or the new creditor about transfer of any debt nor did I receive and validation information to make sure it was correct. 
Payments in full were made to original owner before debt was transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation