BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
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:
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 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
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 hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. 

XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide 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 explanation
Consumer complaint received 2023-12-04
Company: Prosper Marketplace, Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive had a credit card with Prosper for about two months. So far, Ive had no missed payments, I pay my bills early and never carry a balance, and there have been no issues with my account. Out of nowhere, Prosper sent me an email that they decreased my credit limit in half from {$1000.00} to {$500.00} with no reason. This has been a terrible experience so far, as I only agreed to apply for this card ( connecting my bank account and affecting my credit score with a hard inquiry ) due to the limit I was promised. I need my original credit limit to be reinstated on this card or an explanation of a direct path to increasing it back to {$1000.00} right away.

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 2023-12-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX  I received a certified check for a closed account at Chase Bank. I deposited that cashiers check into XXXX XXXXXXXX XXXX account. They are saying the check received was fraudulent and not issued from Chase Bank. The name of the company is XXXXXXXX XXXX XXXXXXXX XXXX. They have been on hold at XXXX XXXX XXXX  since XX/XX/. Please assist. Why would they say the funds are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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:
This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that this WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on XXXX and XXXX XXXX I already have disputed the fraudulent information from my credit report but until now no changes were made. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EdFinancial Services
State: IL
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:
My loans are with EdFinancials, I applied and was approved for the SAVE plan and when I went to make my first payment in XXXX, everything seemed to be fine, but then I saw the payment was reversed. Then on XX/XX/XXXX {$410.00} was taken out of my bank account. I contact EdFinancial three separate times since the payment was not being reflected on my account. I was told to submit a ticket, I did on XXXX. Then I was also told that the proof I provided ( my account showing the amount, date, time ) details of the withdrawl it was not enough proof. I deactivated my AutoPay and decided to just pay myself every month. I went to check my statement and again on XX/XX/XXXX {$410.00} was taken out of my account and AGAIN is not showing on my account at all. Although all of the representatives I have worked with have been kind I am not getting any answers at all. It's clear that the Dept of Ed is not showing my acceptance of the SAVE program because the amount that's being taken out was my original amount due before I applied for SAVE. EdFinancial has been BEYOND unhelpful and it is so frustrating to see the money being taken out yet not applied to my balance whatsoever.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-04
Company: Marlette Funding, LLC
State: CA
Product: Credit 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 was trying to dispute {$100.00} out of this following transaction - XXXX  XXXXXXXX {$320.00} Amount Merchant NameXXXX XXXXXXXX DateXXXX XXXX XXXX  I called best Egg at customer service to dispute it, it's a nightmare to dispute a transaction, for for my future XXXX  or any of the big transactions I will stop using best Egg credit card. 

I wanted to dispute this transaction because it was a nightmare living at this XXXX  and there were lots of amenities which were missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a secured master card with 5th 3rd bank. Every time I call requesting that all my accounts be closed I get a different excuse as to why it cant happen. I have been asking since XX/XX/23, yet they keep taking on fees. This bank is flat out stealing from the customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: VA
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 do not recognize these inquiries XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 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 2023-12-04
Company: U.S. BANCORP
State: SC
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:
Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has ov

er 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. This is the List of companies that did this. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ELAN FINANCIAL SERVI 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 2020-05-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON THE XX/XX/2020 I RECEIVED A TEXT FORM A COMPANY USING " XXXX  NAME THEY LOOKING FOR PEOPLE TO HOLD A XXXX  SIGN IN MY CAR I ACCEPTED THE TEXT FOLLOW UP WITH MONDAY THE XX/XX/XXXX I RECEIVED AND EMAIL(XXXX)  REGARDING THE SAME PERSON I GOING TO GET A CHECK FOR $XXXX AND THEN SAY THAT I WILL KEEP $XXXX   MY WEEKLY PAY AND THE REST GOING TO AN INSTALLATION GUY BY BITCOIN I DEPOSED THE CHECK ON WEDNESDAY XX/XX/2020- AND WITHDRAWAL $XXXX ON FRIDAY TO SEND FOR THE INSTALLER ON SATURDAY XX/XX/2020 I NEVER KNEW ITS WAS FRAUD UNTIL THIS MORNING THE BLOCK MY ACCOUNT AND ALL MONEY WAS FRAUD I NEED MY BANK TO OPEN MY ACCOUNT FOR ME AND HELP ME PAY THE FEE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-11
Company: Halsted Financial Services, LLC.
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Had been being harassed by a fraudulent company called Halstead financial about a payday advance loan via email and text message, I contacted XXXX XXXX and after collecting the necessary information we filed a fraud report and I was informed to report this company after being told that XXXX XXXX does not do business with them. I was contacted today by this phone number XXXX from halstead saying that they are a LLC that works with XXXX XXXX and after telling them what I was told they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX  XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview  Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX  XXXX Bankruptcy XXXX XXXX XXXX  Amount 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX Date of issue : XX/XX/XXXX Wells Fargo Bank, XXXX. 
Check Number XXXX AMOUNT OF FUNDING {$13.00} " XXXX And XXXX/XXXX Dollars Originally my total amount, facts are suppose to claim a number of {$130.00} " Pay to the Order of : XXXX XXXX '' XXXX As soon as I realized that my account was still active and still running that I contacted XXXX and made sure that I got a refund request to them and I had to make sure that it get processed correctly so that was in my XXXX weeks to XXXX weeks that's not even from Wells Fargo so technically the account was supposed to be closed probably like 8 months and there's two account activity so same XXXX account but two different apps so it's considered two different policies two different accounts will XXXX pay so prior that of me requesting a refund XXXX actually contacted me first and implied that there were two accounts in my name with the same email because of the two different apps so one had the card and one didn't not realizing but I didn't approve of those purposes there was three different three four different purchases one was for like {$150.00} and then the others were no more than {$40.00} so regardless XXXX and XXXX cents still waiting get nowhere without having a XXXX  explanation what the XXXX XXXXs going on at least I XXXX  summary right cuz money we have to get put back into that account and then wherever it went from there I would want to see it deducted of a list that's why there's monthly summary reports all I ask is for a sheet of everything that has my name on it that has ever been processed into that system I have a investment package from a previous employer round table XXXX XXXX from XXXX XXXX it was initially put into my account signed by the owner himself and XXXX THEN JUST THE CHECK HERE THAT I HAVE XXXX AND XXXX CENTS THAT ORIGINALLY SHOULD BE ON THE CHECK BUT THERE'S I SIGNED IT BUT I WAS NEVER GOING TO GOING TO XXXX DEPOSIT IT CASH IT WHATEVER TRANSFER WHATEVER THE XXXX! I'M JUST CALL ME PATIENTLY WAITING SO NO ONE COULD SAY THAT I'M COMING OUT OF A PORTION WHERE THE ATTITUDE OR ANYTHING LIKE THAT CUSSING WHATEVER BUT MAINTAINING COMPOSURE THAT'S WHAT I GET PAID FOR SO BREAK IT DOWN

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 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
CFR Violations. 
This correspondence is in regard to violations of Coded Federal regulations committed by CAPITAL ONE. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that CAPITAL ONE does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XX/XX/XXXX closed account. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. XXXX Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and experian has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.

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