BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted this letter below to XXXXXXXX XXXX as well as XXXX, XXXX, Transunion. XXXX responds with everything is correct with being 30 days late. I talked to a representative at XXXX, explaining the situation. Which they were closed on the last day I could pay within 30 days because it was after XXXX and I needed a 4 digit pin code to pay with XXXX XXXX. I never received an email from them only a letter dated XX/XX/2023. They said they cant change it and they legally have to report me. I think its unfair that they have the last say and couldnt understand where I was coming from in this situation. I even send them a credit report of how I have never missed or been late for an appointment. 

Reference # XXXX To whom it may concern ; I am writing in regards to a late payment that is reflected on my credit. This late payment was a result of a cascade of events unbeknownst to me. The original payment was made through an auto payment that is scheduled biweekly. On XX/XX/2023 the payment was credited back to my account. I received a letter from XXXX on XX/XX/2023 and did not receive the letter until XX/XX/2023 due to being out of town due to a work obligation. I attempted to schedule a payment immediately but was unable to due to this service being unavailable. I contacted XXXX on the next business day ( XX/XX/2023 ) to schedule a payment. During this phone call I was directed to send payment via XXXX XXXX, money order or XXXX XXXX. 

I would like a full review of my credit report and reconsideration of this late payment. My credit history is notable for a long standing 18 year account with no missed payments, among other notable histories. This late payment is very harmful to my credit report and would ask if there would be consideration for a one time removal of this late payment. 

I appreciate your consideration.

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 2021-03-22
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: Information belongs to someone else

Complaint:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PLEASE HELP ME!, I AM A VICTIM OF IDENTITY THEFT. I HAVE IDENTIFIED THESE INQUIRIES ON MY CONSUMER REPORT AS IDENTITY THEFT. THIS INFORMATION ARE NOT RELATED TO ANY TRANSACTIONS BY ME. THIS IS IDENTITY THEFT. SOMEONE USE MY IDENTITY AND THEY DID NOT GET WRITTEN PERMISSION, AUTHORIZATION TO ACCESS AND/OR TO REPORT MY PERSONAL INFORMATION. 
PLEASE DELETE THIS OFF MY CONSUMER REPORT. DELETE THESE INQUIRIES 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. ALL OTHER ADDRESS PLEASE DELETE. NOT MINE! 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 non-monetary relief
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX account opened XX/XX/2019 balance of {$1000.00} Account was opened fraudulently without my consent and or knowledge

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 2021-03-22
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An Ohio Department Job & Family Services data breach a card issued wrongly.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to bring to your attention an error in my credit file. I recently reviewed my credit report and noticed that : : XXXX XXXX Inquires and inaccurate account, XXXX XXXX XXXX XXXX inaccurate Account, XXXX XXXX XXXX inaccurate Account, XXXX XXXX inaccurate/fraudulent account : : : Despite my previous requests, this transaction has not been removed from my credit file. This inaccurate information has been negatively impacting my credit score and financial well-being.

I would like to draw your attention to the following laws that protect consumer rights and mandate the accurate reporting of credit information : 1. Fair Credit Reporting Act ( FCRA ) - This federal law promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
2. Fair and Accurate Credit Transactions Act ( FACTA ) - This amendment to the FCRA provides consumers with the ability to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

3. Consumer Financial Protection Act ( CFPA ) - This Act provides consumers with protections against unfair, deceptive, or abusive acts or practices by financial institutions.

I kindly request that you take immediate action to rectify this error and remove the inaccurate transaction from my credit file. Failure to do so not only violates my rights under the aforementioned laws but also subjects your company to potential legal consequences. 

Please provide written confirmation once the necessary corrections have been made. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue.

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 2023-07-20
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: Information belongs to someone else

Complaint:
XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Authorized User Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.

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 2021-03-22
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: Personal information incorrect

Complaint:
This is my second time submitting a complaint. The first time was on XX/XX/2021 and no changes have been made and my information is still incorrect. The incorrect name, addresses, and telephone numbers are under my current report. I have contacted the respective companies through the number to which they provided during the first complaint attempt, but have only been met with poor telephone machine customer service and no option to speak to a human representative.

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: 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:
INQUIRY
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
THESE PERSONAL INFORMATION IS INCORRECT:

-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 2019-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00}. 95 XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$22.00} XX/XX/XXXX- {$1.00} BANK FEE TOTAL= {$2500.00} I spoke with XXXX at Bank of America on XX/XX/XXXX to dispute the transactions and faxed paperwork of proof to fax number XXXX ; this is my XXXX account so I never look at it unless I have to and I never received any notifications from the bank stating that there was weird activity going on. A letter was sent from the bank to an unknown address with the results of my dispute, since I have never lived there before I did not know what the status was ; at that point I was already dealing with my brother getting severely ill. On XX/XX/XXXX I re faxed all paperwork to the above number since I had yet to hear a response from the bank. The bank states that since time has passed there is nothing they can do, but this is my money and way more than I can just give up on and I never received a letter if not I wouldve continued to fight it.

In the attachments you will see an XXXX summary on the transactions, steps taken, cards used, and address the letter was sent to. There are also a few statements to show that money was taken out, and it shows how often I actually use it and view it ( other transactions not included above are mine ). Finally, the locations that the transactions were made ; there are multiple XXXX XXXX ATMs along with views of the remainder balances. These transactions were made in XXXX XXXX while I was in my city of XXXX XXXX, proof of me being in XXXX XXXX is also included in the attachments ( my work log ins and emails ). The transactions themselves look fraudulent, the person checked balances and took the same amount every day at different ATMs.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 


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 2021-03-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX a payment was issued from my title company via check in the amount of {$8400.00} to Macy 's Credit Card services. The check was to pay-off my account balance from a refinance on my home. Macy 's received the check and posted it ( cashed it ) on XX/XX/XXXX. The money never was posted to my account. After calling Macy 's customer service they can not find my money. Macy 's misappropriated the payment. I provided them a copy of the transaction from the bank to confirm the payment belonged to me with my account number and filed a dispute with Macy 's. To this date, XX/XX/XXXX, no one will provide me any information. They only say that it is being investigated and can take 30 days or longer! I have asked them to credit my account for the amount I paid. I can never speak to a manager, no one provides me any information! PLEASE, I NEED HELP with this issue. This is a lot of money!

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 2019-09-28
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 don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2023-12-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
on XX/XX/XXXX, I found that the XXXX XXXX rewards certificate with a value of {$160.00} of my XXXX XXXX XXXX XXXX by Citi was never sent to me via email as they claimed in XX/XX/XXXX. 

Also, on the same day, I talked with XXXX XXXX and they said they can redeem that expired rewards. 

However, on the next day ( XX/XX/XXXX ), I chatted with XXXX customer service and asked for the XXXX rewards certificate. They refused to re-issue the XXXX rewards certificate, which they never did in the first place.

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 2021-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX the consumer received a letter from Portfolio Recovery Associates stating an alleged debt is owed.This is a violation pursuant to 15 USC 1692b ( 2 ) A debt collector shall not state that a consumer owes any debt.I gave no consent to Portfolio Recovery Associates to contact me at anytime pursuant to 15 USC 1692c ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: General Motors Financial Company, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had XXXX leases with GM FInancial. A XXXX XXXX XXXX and a XXXX XXXX XXXX. I returned the vehicles at the end of the lease term. I received a repair estimate for the XXXX and disputed the amount asking for additional information which the company refused to provide. The company unilaterally refused to acknowledge my dispute or provide the information requested, has reported the disputed debt to the credit agencies which has lowered my credit rating by almost XXXX points. I paid the lease return fee immediately, but am still disputing the damage estimate. The XXXX was returned to the dealer in early XX/XX/XXXX. 

The XXXX XXXX was returned to the dealership at the end of lease term, on or about XX/XX/XXXX. I never received an end of lease bill or damage estimate from GM Financial, The car was returned in good condition with only XXXX miles on it. Even though I had never received a bill or end of lease statement, GM Financial reported my account delinquent. I contacted GM Financial in XXXX when I finally found out about the delinquent mark on my credit report, disputed the damage amount but paid the end of lease return charge of {$490.00}. I still have not received anything from GM Financial what the damage charges were for, nor have they provided me of my request for both the XXXX and XXXX for a paid receipt showing the repairs had been made, or the information regarding what the car was sold for. If the company did not make the repairs or were made for less money than I was charged, I was overbilled for the purported damages. 

How can a company send me a bill and not have to prove that the repairs were made so I know that they are not billing me more than the repair cost, and that the repairs are made. How can a company report my account to a collection agency and ruin my credit unilaterally when I have disputed the charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on or about XXXX of XXXX i sent a request to review investigate and correct inaccurate errors in my payment history for XXXX can you send the results of your investigation adjustments you made to correct the payments and escrow account

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 2023-04-28
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I mailed a certified letter to the company XXXX XXXX XXXX XXXX, in regards to an alleged collection account on my consumer report. Also on XX/XX/2023 I made a complaint on this platform portal that the companies XXXX XXXX XXXX XXXX  and EXPERIAN were negatively affecting my consumer report by reporting false and inaccurate4 information of this alleged collection Account # XXXX, on my behalf. It has been well over the allotted timeframe of response and verification, pursuant to 12 CFR 1006.34-Notice for Validation of debts must be within five ( 5 ) days. Being that either of these companies can not validate, prove and provide the authenticity of this alleged collection account, under federal law and to, my fair act consumer rights, this alleged collection account # XXXX is to be immediately removed from my consumer report, along with a written letter to my home address stating that this alleged collection account is removed. I am not sure where this alleged account came from and I don't know who it belongs to, however this alleged collection is not mine. This action will be taken to federal court, as it is against my consumer rights of unfair practicing and false reporting in regard to 15 USC 1692 validation of debt, and Fair Credit billing act. Once a consumer files a complaint to the Consumer Finance Protection Bureau, that the company must respond. The XXXX XXXXXXXX XXXX XXXX company HAS NOT and IS NOT responded by mail or consumer portal. I humbly demand a removal of this alleged account that does NOT belong to me, removed. Attached are Exhibits A and B, of the Debt Verification certified letter with return signature to the company XXXX XXXX XXXX XXXX with evidence that this company has received the document and signed for it.

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