BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 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 2023-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove the accounts on my credit report because those are not mine.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-03-03
Company: EQUIFAX, INC.
State: TX
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:
Dear CFPB, I never authorized any transactions or any account to be reported on my credit file. 
According to the Fair Credit Reporting Act, legally these unauthorized items must be removed and immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: AZ
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-04-22
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: Personal information incorrect

Complaint:
n accordance with the Fair Credit Reporting act XXXX my personal info, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I only authorized XXXX XXXX to pull my credit through the car dealership and they went ahead and had 6 other financial institutions pull my credit without my consent and I specially told them not to do that prior to giving them my personal information and was assured it would not happen and it happened anyways and they lied and tried to excuse it away with phony articles stating even though they send your credit to a million banks it only counts as one inquiry. That is a lie as I have my credit report to prove otherwise. 
Because of this now I can not refinance my house and will be stuck with a higher mortgage payment. 
The only reason I even considered a new truck was because of XXXX offer of 0 % interest for 84 months and six months no payment and I even told them my score and asked if I would qualify since they know what score is needed to qualify for their deals and they once again lied and said yes. 
I am a single mom and I dont like being lied to and taken advantage of and my credit destroyed due to unethical and sneaky business practices of car dealerships.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Update my Current personal info XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX see attachment 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 explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I only authorized XXXX XXXX to pull my credit through the car dealership and they went ahead and had 6 other financial institutions pull my credit without my consent and I specially told them not to do that prior to giving them my personal information and was assured it would not happen and it happened anyways and they lied and tried to excuse it away with phony articles stating even though they send your credit to a million banks it only counts as one inquiry. That is a lie as I have my credit report to prove otherwise. 
Because of this now I can not refinance my house and will be stuck with a higher mortgage payment. 
The only reason I even considered a new truck was because of XXXX  offer of 0 % interest for 84 months and six months no payment and I even told them my score and asked if I would qualify since they know what score is needed to qualify for their deals and they once again lied and said yes. 
I am a single mom and I dont like being lied to and taken advantage of and my credit destroyed due to unethical and sneaky business practices of car dealerships.

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 2018-09-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to TD Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX on XX/XX/XXXX ( Sunday ) to establish a Rental Deposit A/C ( Landlord & Tenant A/C ). Tenant 's check in {$3300.00} was deposited same day and a deposit slip provided to me before I left ( copy of bank 's account opening form with all the details and my signature is attached for reference ) On XX/XX/XXXX, after I have evicted the tenant not paying rent for 6 months, I went to the same TD Bank to close the rental deposit account and want to withdraw the deposit to compensate my rental loss. I was told that the rental deposit account was closed in XX/XX/XXXX after no activities for 6 months since account opening and they were unable to retrieve any history of this account. I was asked to request for a statement of this account to be mailed to me and then talk to the Branch Manager with the statement. Nothing was received so I went to the bank again on XX/XX/XXXX and meet the Manager, she was also unable to find anything ans request me to wait for her call after she investigate the case with the Back Office, nothing happened, so I called the Manager on XX/XX/XXXX and XX/XX/XXXX to follow the case. The Manager said they are unable to do anything without the deposit slip which I was unable to locate in my files. I raised the question to the Manager that who authorized the closing of the account without my signature and are they able to locate any record of the deposit made on XX/XX/XXXX or XX/XX/XXXX and where the fund goes after the check was cleared. 
The Manager was unable to give me an answer and keep asking me for the deposit slip and/or the check copy which I can not find. 
As far as I know, this kind of Rental Deposit A/C can not be closed without my authorization, but no one in the bank can tell what happened. 
I am requesting the Bureau to help that what I can do in order to get back the fund of {$3300.00} deposited by me to the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 had 2 secured credit cards with XXXX XXXX. After receiving a unsecured card from another credit provider I called XXXX XXXX and asked them to close these 2 accounts and refund what monies I had left in my savings after the accounts were closed. They stated that the deposits will be used to credit the amount owed on the cards, which I had no problem with that. I wasn't looking for a big refund since I had a balance on both cards. 
I just wanted the accounts closed! They said that it would be taken care of. So I waited for my refund, but instead I got a statement on both accounts that they were past due. So I was charged a late fee and I called right away to find out why these accounts were not closed as requested. They stated it takes 15 day to make sure no further charges came through. So they continued charging me late fees and if I recall I think they charged me a over the limit fee. I told them I was not going to pay late fees and these accounts should have been closed and my little refund sent to me. So since I told them I was not paying any late fees. They kept reporting my account late until they finally sent it to collections and wrote it off as a charge-off and continued reporting it to all the bureaus. These account were secured and they should have been closed as they were asked. Nope let 's charge him late fees/over limit fees and write it off as a charge-off.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2023-10-27
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the SAVE repayment plan on XXXX XXXX XXXX right after the new application was released. I was under the IBR repayment plan and, according to the application, I would need to make a one month reduced forbearance payment of {$5.00}. After some research, I found out that when changing payment plans from the IBR plan, interest is capitalized and you are required to make a standard payment when switching from IBR to another IDR plan. The SAVE plan created this reduced forbearance payment to help with the switch. I completed the application and selected to pay the {$5.00} reduced forbearance payment. Over two months passed and studentaid.gov showed that my application had been processed but my account was not updated on my loan servicer Aidvantage account. I called AidVantage several times in XXXX and was told there were different issues each time. The first being that I needed to recertify my income even though I provided authority to allow the servicer to obtain that information directly from the IRS in the SAVE application. I recertified online and with each rep I spoke with but their records still show that I have not recertified my income. Then a rep told me I needed to apply for forbearance and pay {$50.00}. I explained to the rep that this was not the case and that the application only said {$5.00} but they required me to pay {$50.00} so I did. Then I got a denial for forbearance. I called back and the new rep said that was a different type of forbearance and that I only needed to pay {$5.00} and that they were processing my application and to check back in a couple of weeks. I called back again and was told my application was approved and that my first payment would be in XXXX  as I had the 1 month reduced forbearance. However, in XXXX Aidvantage processed my new monthly payment causing me hardship because I had not budgeted for the payment in XXXX  due to the forbearance I was told I would be in. I called to complain and escalated to a supervisor who told me to stop the payment with my bank and was extremely rude and unhelpful. Additionally, my interest was never capitalized and my loan balance increased after the payment because my payment did not cover the interest despite the fact that the SAVE plan specifically states this would not happen. When I call during business hours to try to figure out why they did not capitalize the interest when I went into the SAVE plan and why my balance is increasing, they do not answer the phone, I am sent to a voicemail and they fail to return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CITIBANK, N.A.
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:
Sears/ Citi retaliated against me for a prior complaint and closed my Sears XXXX account. They based this closure on an unauthorized credit check, however I had not recently requested credit from them. Sear/ Citi is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Sears/Citi is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the XXXX XXXX  upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the XXXX XXXX . Sears/Citi has not been able to refute this information/ laws. Instead Sears/Citi has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Sears/Citi stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms XXXX XXXX XXXX XXXX XXXX XXXX which financial institutions such as Sears/Citi use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Sears/Citi is the XXXX debtor.

Therefore based on my various written requests via certified mail Sears/Citi should have applied to have my account balance discharged or mutually offset to XXXX through the XXXX XXXX  . As a result this Sears/Citi account is not delinquent and the balance should have already been set to zero as these requests have been made over XXXX XXXX ago. If Sears/Citi refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2018-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/18 I submitted a dispute/ claim ref # XXXX with Chase Bank for two unauthorized transactions. I personally contacted the merchant and Received email confirmation from XXXX XXXX ( merchant ) on XX/XX/18 that the disputed transaction would be refunded to my account. I provided chase with their contact number XXXX/XXXX-XXXX to verify the facts. Chase sent me letter dated XX/XX/18 stating they allegedly researched the dispute and that no error occured so they would be reversing the temporary credit out of my acct. On XX/XX/18 I faxed chase claims dept the attached letter providing them detailed info to verify so they dont take the $ back. On XX/XX/18 Chase withdrew the funds back out of my account leaving me in a negative status then proceeded to charge me overdraft fees. Chase obviously never investigated anything. I Spoke to XXXX on XX/XX/18 he states I failed to Provide them with documentation that I dont owe the funds then proceeded to state how they cant accept my letter. This is absurd. They have full knowledge the action they took is wring and are avoiding their responsibilities. I did my due diligence and am now being harassed by their collection dept. For money they actually owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had my Bluebird account was closed and the remaining VA pension funds are not being returned.

No one at Bluebird or American Express can help and I am afraid that they are going to keep any money that is scheduled to be deposited there including my Social Security check and the Federal Stimulus check. 



XXXX XXXX XXXX XXXX COPIES OF EMAILS InCommLossPrevention XXXX XX/XX/2020, XXXX XXXX ( 4 days ago ) to me to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I know tht some or all of you will delete this email, but I'm trying everything I can to get my money back. I'm a XXXX XXXX XXXX and a XXXX veteran who needs her money! 

XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX  ( 4 days ago ) to me I will have someone in my office look into this and get back to you XXXX XXXX XXXX XXXX XXXX ', m sorry tobother you, but no one is addressing what happens to my Social Security check from next week and to the money that Bluebird still has. I can not let this issue just be put away without an explanation of what I did and where my remaining money is. 
XXXX XXXX XXXX XXXX Good afternoon Ms. XXXX, We have reviewed your account and apologize for this inconvenience, however ; per the direction of the Social Security Office and the Inspector General Investigations team your account has been permanently suspended. Please contact the Social Security office for questions and concerns. 

Thank you, InComm Loss Prevention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a victim of id thief due to XXXX XXXX data breach, since then I have noticed multiple accounts pop up on my credit report that I did not authorize. I have submitted my ftc report to the credit bureaus multiple times. XXXX   XXXX  XXXX  also has a copy of this ftc report however it being reported negatively on my credit report and I would like this inaccurate information removed from my report stat

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