BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Trans Union I was just sitting here wondering if you could except a drivers license number from my state to identify who I am I mean I have proof that Ive sent you and certified mail and you still seem to cant verify me because this is beginning to be a hassle with the errors on my credit report or do I need to take legal action on the court date the attorney that you chose to represent you can identify and verify who I am! You are causing major destruction of my good name! Legally there are ways that you could verify me if you really wanted to but I really think that you choose not to but my next step will be going to the courthouse in which I have to show my ID to get a summons please respond so I know which proper route to take because this is very willful reckless on your behalf of me having negative information on my credit report and youre not taking any courtesy to try and identify me I know a lot of companies now I asked for a drivers license number and it certainly can identify it so you let me know Or otherwise Im gon na have to take legal action to get your response

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to XXXX and TransUnion on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9800.00}.

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 2021-03-08
Company: CITIBANK, N.A.
State: NC
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:
CITI CARDS CBNA XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-11-08
Company: EQUIFAX, INC.
State: FL
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:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest. Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that XXXX thoroughly assess the eligibility of my account under this regulation. Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations. By Section 611 of the FCRA provides your rights to dispute inaccurate information on your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sometime last week, I'm not positive about dates due to the fact I have zero access to my own account, someone attempted to deposit a counterfeit check in the amount of {$500.00}. The bank returned the check and then closed my account. I have been speaking with them since last Thursday XX/XX/XXXX, about needing my funds immediately, as a single mother of XXXX young children my money is very important to us. I was told by the first person I spoke to that she would put in an expedited claim to release funds to me and that she would have an answer in 24 to 48 hours. I called back the next day and was given 3 separate timelines on when my money would be " sent back to me. '' One gentleman even spoke to a supervisor asking that there be a credit given to allow me to have some sort of funds available to me immediately given I have XXXX young kids who rely on me, the supervisor denied the request. I called back first thing this morning, since they were closed during the weekend, for them to tell me that there has been no expedited claim filed for my account and it will take an additional 3 days to be able to access my money. This is absolutely ridiculous. I'm being treated like a criminal over something I didn't do to a bank I've been banking with since XX/XX/XXXX, 10 years of loyal service to be treated like a criminal and have my money basically stolen from me. I am supposed to be paid this Friday again, and I can't even go open another account at another bank because I have XXXX money to do so.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX '', has inaccurately violated my rights. Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. I applied for this inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the removal date for all should have been XX/XX/XXXX and or before XX/XX/XXXX, It still has not been removed

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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My credit shows a collections account for a service that I did authorize or sign for. I sent a certified letter to the collections agency asking them to provide me with any information about the debt because it is not mine. I sent this on XX/XX/XXXX. I have not yet heard anything back from them. I next sent a certified letter to both TransUnion and XXXX  on XX/XX/XXXX with no response. I do not know what else to do. The debt is not mine. Please advise on what next steps I need to take.

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 2021-03-08
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice in the mail today XX/XX/21 even thought the notice is from XX/XX/21 about a debt to XXXX. The amount is for {$590.00} and they were willing to accept {$410.00} to resolve the debt. I checked the company which was Jefferson Capital Systems and the phone numbers did not match. I also checked the account number on their official website and there was no record of the debt. I also checked my XXXX account for transactions over the past 10 years starting from today and there is no transaction of such amount. I have never been sent a letter about this debt prior to the one I received today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: Long & Foster Financial Services, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX This is my complaint id. I was told the inquiries would be removed from my credit report in 30 days and a follow up contact would be made with me. The inquiries are still there. I understand one would remain. I still see 6. This is unacceptable. I should not have to continue to spend time disputing this due to the negligence of your former employee XXXX XXXX with Prosperity Mortgage. Please have XXXX remove the inquiries aside from the one that should in fact be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a graphics card on XX/XX/2021 at XXXX XXXX  on XXXX for {$510.00}. On XX/XX/XXXX, the seller added a tracking number. I checked my XXXX XXXX, and to my surprise, the tracking number said the item arrived on XX/XX/XXXX! 

I did not receive any package the day before, so I decided to do some investigative work. I called UPS and provided the tracking number, and my name and shipping address. The representative on the phone confirmed the package did not arrive to my address, but shared the same city. 

After doing some XXXX, it seems to be a common scamming tactic. The scammer uses a random tracking number that goes to the same city as the buyer. Since the tracking website only provides the city for privacy reasons, automated systems show the package as delivered. 

After frustrating attempts with both XXXX and XXXX to try and get my money back, I finally filed a charge-back with Citi. The representative on the phone assured me that Citi would reach out to collect more evidence from me. 

However, Citi closed my case in the favor of the scammer without ever reaching out to me to get my side of the story.

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 2023-11-07
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I received an alert that someone applied for a Barclays credit card at Barclays Bank Delaware in my name without my permission. I received a hard inquiry on my XXXX Credit Report from Barclays. I immediately called Barclays and spoke with a guy in the fraud department who found the application and stated they would submit it as fraud in their system and XXXX should receive something within 30 days for removal of hard inquiry, also the guy stated I would receive a letter in the mail within XXXX business days. I never received the letter after 30 days of waiting, so I called Barclays on XX/XX/XXXX and spoke with XXXX people in the investigations unit, and all of a sudden they have no record of anything, not even the conversations. I called again today XX/XX/XXXX and spoke with the fraud department and the representative as well was unable to find or locate the application or any previous conversation that was had. This is unacceptable because the hard inquiry still shows on my XXXX credit report. 

Barclays Bank Delaware - 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 2021-03-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient continues to contact me and I assume other borrowers for repayment of federal student loans, despite the federal governement 's deferment of student loan payments and interest until XX/XX/2021. They are asking for payment during this time, despite knowing that it is not required of borrowers. In addition, when I have attempted to contact Navient by phone, their representatives are appearing to be unaware of the government 's deferment of student loan payments and interest. They have also told me that it is my responsibility to contact them to have payment and interest deferred until XXXX, which is false, as borrowers are NOT required to do anything to take advantage of this deferred period until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is 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. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW : XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX inquired in XX/XX/XXXX, XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Account Inquiries 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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:
I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. I demand the following accounts be verified or removed 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 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 2019-09-30
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Netspend sent me text messages and emails saying that I needed to call in. I called on XX/XX/XXXX and found out that Netspend stopped paying Unauthorized - Foreign transaction is : XXXX XXXX XXXX XXXX XXXX. {$56.00} five times. 

Both the XXXX and XXXX claim that they do not recognize either my Soc. Security #  or my now shut down card account #. 

Being a veteran and having lived in the XXXX XXXX XXXX area for XXXX years, I know a XXXX accent when I hear it. 

The exact same problem happened to my account in XX/XX/2019. But Netspend finally figured it out, and my phone calls to them are ( or were ) not being 'transferred ' overseas, XXXX , PI for example. 

You would have thought that Netspend would spend extra resources to find out that a ROGUE CUSTOMER SERVICE is ripping people off and shut it down, especially their overseas affiliates. 

So I called again on XX/XX/XXXX ( using the XXXX # ) and was then transferred to a supervisor who said she saw that the XXXX XXXX XXXX XXXX XXXX was thought to be 'approved ' per what the initial customer svc rep had indicated. I said that he apparently wasn't listening because each time he asked I said NO, I do not know who this is. 

It should have been obvious to Netspend that these were suspicious transactions since they came one after the other AND the amount was the SAME, until XX/XX/XXXX that says the amount is {$54.00} --. 

As of XXXX XXXX CST, I emailed the President of Netspend giving them 4 hours to correct this or my next phone call will be to the FBI. 

Still waiting. The CFPB should also investigate XXXX XXXX XXXX because they have the legacy phone systems that a poor nation as the XXXX still rely on. Plusm all this nefarious activity came around the time of my Pension Payout from XXXX XXXX XXXX. Fortunately, I did miss that first deadline or my $ XXXX would have been toast, overseas, and without an ability to get at it. 

XXXX XXXX XXXX and I have a 'history ' - and needs to be looked into with a fine tooth comb in regards to XXXX and to my own personal history.

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