BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached and sent them corresponding documents to prove inaccuracies ( photos of my DL, SSN, & utility bills ). Yet has anything been resolved from my report. 

According to the FDRC the term " Investigate 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 stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate and its not and i have the photos with highlighted inaccuracies. 

XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-27
Company: EQUIFAX, INC.
State: NJ
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:
RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. 

XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported oXXXX XXXX XXXX XXXX XXXX  Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX  Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: RIA FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I created a money transfer transaction on XE.com, on XX/XX/2022, sending {$6000.00} USD to XXXX. I deposited a draft at a XXXX XXXX XXXX branch, into XE ( continental exchange solution ) 's bank account. The {$6000.00} was debited in my account on the next day. Later on when I contacted with XE customer service, I was told they do not accept counter deposit and my deposit would be rejected. My funds would be returned to my US Bank account. However, it's already 4 and half months, I still have not received the funds. I had tons of emails and phone calls with XE customer service, they just told me they were investigating. They could not provide proof they had rejected the deposit, nor they had returned the funds. They could not provide bank tracking numbers. They just kicked ball to XXXX XXXX XXXXXXXX and would not take responsibility to complete the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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: 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX BY XXXX XXXX XXXX : {$120.00} Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, 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 an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: NY
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, 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 1681 s-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 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 2022-10-11
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:
Institution Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX, XXXX 2020 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business 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 explanation
Consumer complaint received 2022-10-11
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I spoke with a BMWF rep by name of XXXX several days ago, requested an extension for month of XXXX as a courtesy, due to fact the account has a little more than a year left on it, payoff quote is around {$15000.00} as of today, XX/XX/11. I was denied an extension, account is now over 30 days past due including month of XXXX I plan to make a payment in amount of {$1000.00} on or around XXXX, unfortunately, this will cause the account to become past due again for month of XXXX. I request BMWF grant extension as requested prior, due to length of loan remainder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: OneMain Finance Corporation
State: IL
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:
To Whom It May Concern, After checking my consumer report, to my surprise the following company is report a late payment.

( List financial institution ) I am demanding the late payment be removed because I believe my consumer rights have been validated based on the law ( s ) listed below 15 us 1681a - Definitions ; rules of construction - Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.

Under 15 us 1681n, as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. 
Either the law is applicable or not! 
Send an updated copy once the item disputed has been removed XXXX! = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: OR
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 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 non-monetary relief
Consumer complaint received 2023-03-04
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:
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 have violated my rights. 15 U.S.C 1681 section 602 A. XXXX 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 XXXX 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 XXXX years. XXXX XXXX. XXXX ( 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. 

There have been attempts in XX/XX/XXXX and XX/XX/XXXX to delete this item from my TRANSUNION credit report. TRANSUNION is the remaining organization that has not deleted the referenced account from my consumer report. As indicated before, this account was opened in XXXX. I was 11 years of age at the time and incapable of opening an account with XXXX XXXXXXXX XXXX. I have previously provided my state identification and birth certificate but my efforts to remove the account have not been honored.

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 2023-10-23
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XXXX  XX/XX/2023 i went into the US Bank at XXXX XXXX XXXX XXXX in XXXX XXXX. I brought in XXXX checks to deposit. XXXX days later I notice that I was given {$10.00} for XXXX of the checks that was written to me for {$1000.00}. US Bank never called me ; didnt even notice the error until I came into the bank on the morning of XXXX  XX/XX/XXXX. I have still not recieved my missing {$990.00}. 

Bank did not seem very contrite about the accident. Blamed the error on their scanner machine.

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 monetary relief
Consumer complaint received 2023-10-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted I was in class rated in XXXX XXXX XXXX. I called the number during daytime and talked to XXXX XXXX. He stated that I was evicted from an apartment XXXX. I told him that I was never evicted from no property and then if I was my grandmother took care of the bill but she is deceased now and I have no record that was the end of the conversation several years later, I got a notice in the mail, stating that theyre going to garnish, massive wages in XXXX wages whenever garnished nothing ever came about it XXXX XXXXWe got a letter from his work stating they are garnishing your wages and Ive been trying to fix it ever since. I contacted the sheriffs department and the court from the paper that was sent to me. They were both closed during pandemic. I figured that it was fraud. I talk to XXXX XXXX again. He has me to remember talking to him. I said yes I told him that I did not have an eviction from XXXX he did not, believe me, I sent them a letter asking for proof they sent me a renewal for judgment. I called them to ask them to have a settlement they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BOA target my wife for retaliation XX/XX/XXXX she was served at home a subpoena by sheriff. BOA was suiting for debt dated XX/XX/XXXX amount {$14000.00}. They offered payment plan {$410.00} for 36 month. I didn't go to court. Debt was not mine. We never had credit cards. After hearing we receive letter from court stating Judge threw the case out. He said BOA came with one sheet of paper with {$14000.00} on it. He said he was not making us pay that bill. The only thing they had was one sheet of paper. After that we started receiving letters from BOA staying we had not made mortgage payment in 2 1/2 years. I started requesting payment History on the loan. We have never receive a payment history for XXXX, XXXX, XXXX, and 1/2 of XXXX. I filed complaint with Hud. They had the case for 1 year. They first said they found Cause retaliation and they were going to do forensic audit to see how far back it went. After doing my research we found out the loan had 5 loan number and 4 FHA number. After a month or more Hud came back and change there finding to No Cause with no reason given. XXXX XXXX XXXX acted as if she never told me that. The good thing about that conversation was my daughter was in town and she heard it. ( information of the court case for the {$14000.00} ) XXXX XXXX XXXX Judgement Case /Cause XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX give my wife XXXX XXXX to speak on my behalf without signing additional separate Document for Bank of America. My wife XXXX XXXX and my name XXXX XXXX XXXX is on the Deed ) My name XXXX XXXX XXXX XXXX XXXX Deed only )

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 2023-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my credit report and noticed that some payments were being reported as late on my XXXX XXXX credit card. So, I immediately called my creditor and informed them of the matter. I even spoke with a higher up head person in charge at the time and was assured that they late payments being reported were false and that on their end everything on their system is showing as on time. Now I know I immediately called the credit reporting agencies and informed them of the matter. I requested that they investigate this matter properly and DELETE the late payments being reported or Update my account but rather than doing that they did nothing at all. They kept all the information the same and placed a marking on my profile as UPDATED. They clearly did not investigate the matter properly and decided to properly report false and inaccurate information on my consumer credit profile. 
I was also informed while on the phone with a representative that due to the COVID 19 pandemic for such period of time they do not report late payments on the consumer report so if there were any late payments being reported they are inaccurate and that they should not be reflecting on my consumer credit file.

Company response to consumer: Closed with non-monetary relief