BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You 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 2023-05-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/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 2023-05-13
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureau on XX/XX/XXXX, 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 XXXXXXXX Date opened : XX/XX/XXXX Balance : {$180.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$93.00}.

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 explanation
Consumer complaint received 2022-08-15
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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:
On XX/XX/2021 a fraudulent credit card account was opened in my name using information that was stolen from me. The amount of credit was {$14000.00} and the balance remaining is {$13000.00}. I have sent them ( FNBO OMAHA ) FTC reports, 609 letters and other info required in order to prove my innocence. XXXX is still reporting it fraudulently on my credit report and FNBO keeps reporting to them as accurate. XXXX XXXX and XXXX has deleted/removed from my report over 2 months ago and the same information was sent to all 3 credit bureaus. They are in violation of US Codes and falsely reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-08-24
Company: U.S. BANCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
will not unfreeze my account, also will not disclose the reason of why account had been frozen and each rep spoken with have lied numerous times about situation as well as being rude and ignorant and just completly unprofessional, and as well as supervisors i was trans over to speak with them as well. i need help with this please my account has been frozen for months now and ive been lied to for months on who to call to reslove this ive been lied to and told the state of PA froze the account which is not true at all the bank put a freeze of account with no legitimate honest reasoning why and refusing to give me explaination of why and how to unfreeze, i have submitted every document i was asked over 10 differnt times with proof of phone calls, emails and faxes ive sent. please help

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 2023-05-13
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on 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 2021-08-25
Company: JPMORGAN CHASE & CO.
State: AE
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 am trying to get an auto loan and was asked to provide an update on a credit card from JPMCB that was opened on XX/XX/XXXX regarding a closed account with a balance is {$10.00}. This account was closed XXXX of XXXX with a {$0.00} balance. I contacted the company directly and they told me they could not pull up my account to even provide me any information regarding a card. I need this off of my report as it is incorrect and the company can not assist with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I signed up for paperless billing years ago and as a result would receive an email notification of my bill - when it's due, amount due, etc. I also downloaded the app so that when I do get the email notification I can go right on the app to make a payment. Capital One seemingly wants to make it easy and user friendly. 

Here 's the problem. 

Many, many months ago they stopped sending the email billing notification ( and also didn't reinstate the paper bill. ) I checked my email in case I had inadvertently blocked the email address ( I didn't ), and then went on the app to make a payment because I realized by now I must have been late. I was. And was charged late fees. 

Here 's what I saw on the app when I went to make a payment - a small notification at the bottom of the home screen that says if I wanted to keep getting an email billing notification I had to logon to the website at least once during the year. A. why is the app even available if it doesn't count that you use it to make payments? and B. why do I have to go on to the app to see this type of notice? 

It's pretty obvious that this is a tactic to collect late fees because people may not notice a missing email from Capital One. They don't send red flag SOS notices if you're late, or a notice to remind you to log on at least once to keep getting emails. I bet Capital One 's income as a result of late fees has close to doubled if not more. This was the first time I saw this notification on the app after using it monthly to make payments - the notice wasn't there previously. 

I ended up reinstating a paper bill which I also NEVER received. So, to confirm - no email and no paper bill. 

I closed my account today. 

It was all done through electronic prompt. I never got to speak with anybody about it - no customer retention or interest in why I was closing. Not unexpected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: SC
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 XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$7900.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$710.00}

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 explanation
Consumer complaint received 2023-02-26
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:
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,

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 2017-11-27
Company: Forest Recovery Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$120.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious Forest Recovery Service {$120.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: MD
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:
We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' XXXX, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXX of XXXX ( see attached XXXX ) and note sale and balance ( attached XXXX ). 
XXXX, Remove or provide signed document that has both my wife and my name that supports the XXXX  month term ( attached XXXX ). 
XXXX, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). 
XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our XXXX consecutive and on time payment history. 
XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX Transaction History ( XXXX ) according to the XXXX Transaction History. There is an {$3700.00} difference according to the XXXX Transaction History. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXX - XXXX ) ( attached XXXX ). 
We also ask to have the loan Serviced according to the Note or XXXX loan XXXX, which are the only Active Loan Documents for our loan. 
The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since XX/XX/2022, my checking account has been assessed a - {$25.00} monthly service fee. The account has existed for years and had never been subjected to such a fee. Citibank claims this fee was assessed because the balance in the account was below the " minimum '' requirement and, allegedly, I agreed to such a fee when opening the account. 

The balance in these accounts has remained stable. In other words, there were no withdrawals in the years leading up to such fee assessments. Why did the monthly service fees suddenly start in XX/XX/2022? 

Upon calling and bringing this matter to Citibank 's attention, I learned that Citibank had unilaterally transferred this checking account ( and a savings account of mine ) to inactive status. This was despite my consistent monitoring of the accounts via the Citibank mobile app and Citibank website. 

In order to switch the account back to " active '' status, I was told to mail a signed declaration to Citibank 's service center requesting they " update my date of last contact ''. I followed these directions and the accounts are now active ; however, requests for reimbursement of those monthly service fees assessed while my accounts were in " inactive status '' have been repeatedly denied.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXXXXXX 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