BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America opened an account in my name without my consent or request. Since about XX/XX/1922 I have been receiving monthly bank statements in my name that contain no balance but includes a service fee of {$4.00} per month. I have not approached the bank about this because I understand this is an illegal practice as per the XXXX XXXX fraud case years ago. I do not have any personal accounts with Bank of America but my company does have a business account with them.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

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 2023-03-03
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act 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 XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) ; XXXX - XXXX XXXX ; XXXX - XXXX XXXX  XXXX ; XXXX - XXXX  ; XXXX - XXXXXXXX XXXX ; XXXX - XXXX XXXX  ; XXXX - XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) ; XXXX - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ; XXXX - XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Information belongs to someone else

Complaint:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} 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/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/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A-section2 also states that 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
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Greetings my name is XXXX XXXX  My Only Social Security number is XXXX My Address is XXXX XXXX XXXX XXXX XXXX VA XXXX. 
I am self-employed, I have a driving school. I train people how to drive. My credit is like around XXXX or it should be around XXXX or more with the 3 Credit beurres, XXXX, XXXX, and XXXX. But for some reasons each time there is information that is lowering on my credit appears not mind. it lowers my credit report for home buying. 
It refuses me credit most of the time. I got denied for credit cards and auto loans and home buying. I do not know what to do. it is a complication I have it is keeping me behind and not so much of credit I disserve more credit. please help with this matte email Guide me. 
thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/2022 {$1000.00} secured loan was opened without my consent or knowledge Company name : XXXX Account # XXXX Because of this my credit score has dropped dramatically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Someone applied for and obtained credit cards and loans in my name with different financial Im not sure how they got my information Im not the owner of these accounts XXXX XXXX XXXX opened XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Inquiries XXXX XXXX  XXXX Banking  : XXXX XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Banking : XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX : XXXX XXXX Finance : XXXX XXXX Finance : XXXX XXXX Finance : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Report Created On XX/XX/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 2022-12-08
Company: CarMax, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I received and auto loan from CarMax Auto Financing to pay for a portion of vehicle that was purchased through CarMax. Before purchasing the car we asked questions about the auto loan including if there are prepayment penalties and how to make additional principal payments to our loan. We were told to just include the additional amount into the payment we send it and it will be applied to principal, or to write a separate check designating it as principal payment and it will be applied to principal. For our very first I sent in one check for the full bill amount. I sent in a second check for the principal payment amount noting principal payment on the memo line of the check. The payment was not applied to principal. It was used to pre-pay our next payment. I called to have this corrected and was told that I was wrong, and that is just how it works. I was told that it will reduce the principal by reducing the next payment. I shared that this is not how principal payments should be applied and this is not appropriate. After spending ample amounts of time on the phone with them, management and accounting department they were able to re-allocate the amount to principal for this one payment, but the statements and information online are still not fully accurate, though the do total to the correct numbers. I asked how I can ensure that it is allocated correctly in the future, and was told that any time a principal payment was made I would have to call in and ask for it be changed. I asked for any other option that may be available, and they would not provide me with one. I asked for a direct line and they would not provide me with one. I asked for any additional assistance to help my principal payments be applied as designated and they demanded that I needed to call every time. I plan to make an additional principal payment each month and spending nearly an hour on the phone each time is intentionally having a barrier in place to prevent people from doing this, and unmorally keeping customers funds in their pockets. Additionally I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and talking on the phone is challenging for me. To have a process that required people to call and speak with someone is XXXX to those who are XXXX XXXX XXXX because of the desperate impact for those who are XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/ XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES AN UNAUTHORIZED COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.

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 2023-06-22
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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I completed a loan modification following a covid hardship on my Truist mortgage for my primary residence roughly three months ago. On XX/XX/XXXX a letter was received stating a form had not been notarised properly and that i would be required to redo the loan modification documents by XX/XX/XXXX ( now XX/XX/XXXX after several phone calls ) or I risked losing my home. I am currently on assignment for the State Department in XXXX where mail takes 4-6 weeks to arrive and another 4-6 weeks to arrive back stateside once signed/notarised. This would make it impossible for me to meet this deadline and Truist has provided me no recourse otherwise. Without sufficient time to even receive the document its impossible for me to meet their deadlines.

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 2022-12-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-01-09
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX has harassed me trying to collect a credit card debt XXXX, after being informed over and over again that my only income is XXXX XXXX XXXXXXXX Social Security. I sent a Cease and Desist letter in XXXX. They have got a garnishment order twice in XXXX XXXX Kansas District Court and my Credit Union has charged me a {$60.00} garnishment fee which caused my account to overdraft and took out the {$60.00} fee from the next month 's Social Security deposiXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i pay account in full and it is sill 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