BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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:
RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : This bureau is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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:
ftc violation caused by the apt manager remove it asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
US Bank has placed lates on my credit report with no attempt to resolve the delinquency, This appears to be some type of credit parking. Just placing the late and delinquent amount on a consumer 's credit with no intention to contact me. They are also charging me late fees and a {$20.00} fee each month since XXXX. 

In XX/XX/XXXX I used my ATM card thinking I had money in my checking account and took out {$300.00}, they approved the charge and gave me the money. I did not know that I did not have the money in there because this is not an account I used often, but an account I had some savings in and had needed for a 2nd mortgage i opened over 10 years ago. They used some type of over draft account I had and was not aware of this. 

In XXXX I sold my home and US Bank was notified. I also put in a forwarding order with the bank. I moved to paperless statements at some time as well. I had no need to access statements for US bank because I was not using their service. Well today when I accessed my account online I saw the delinquency and immediately paid it. 

They made no attempts to help me resolve the delinquent account before they parked this delinquency on my credit report and charged me over {$130.00} extra, which was paid. My phone number has not changed and no calls or messages have been left for me.

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 2023-02-27
Company: Avant Holding Company, Inc.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan obtained through XXXX XXXX to consolidate debts on XX/XX/23. One debtor included is Avant financial with a pay off quote of {$2900.00}. Avant charged my checking account for {$2900.00} under an error I made while obtaining the pay off amount. In error I entered XX/XX/23 as the date of pay off, believing XXXX XXXX would have sent {$2900.00} by then. Funds did not arrive, and as of today XX/XX/23, not received by Avant. 
After contacting XXXX XXXX I was informed that a check for {$2900.00} had been mailed to Avant possibly taking 10-15 days to process, which I was not told when I selected direct pay from XXXX XXXX XXXX Avant, meanwhile my checking account is overdrawn by over {$2000.00}. 
Contacting Avant in order to resolve this situation was futile. Contacting XXXX XXXX also led nowhere. 
My point is, had I had been made aware by XXXX XXXX, that Avant financial was being mailed a check instead of electronic payment, I wouldn't have entered a XX/XX/23 payment. I believe 2-3 weeks is an unreasonable time for completion of payment.Meanwhile my checking account remains overdrawn. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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:
This is my multiple attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The three credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with them. This account were opened fraudulently. I informed them of the issue & provided them with the required documents to remove this charge off account via FCRA Section 605b. They have failed to remove the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this charge off account to be removed from my report ASAP : XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this account immediately.

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, XXXX has removed from the 3 credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my credit score dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all 3 credit reports and couldnt identify a real issue. I called XXXX to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like XXXX, abuse regular citizens and harm their lives!

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 2023-11-22
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAINE & WEINER Original creditor : XXXX Has put a collections on my credit report. I would like this remark removed from all credit reporting agencies. I have no knowledge oft this debt nor own it. 

Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2022-07-07
Company: MoneyLion Inc.
State: MS
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:
The person I talked to when I settled this debt told me once settled they would delete from consumer reports XXXX, XXXX and XXXX. That was in 2021. Since then Ive been constantly denied credit and now unable to qualify for a mortgage because of this settled debt thats showing on my consumer reports incorrectly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and a saving account with Chase using a promo code that I will get {$900.00} when I fulfill the direct deposit and saving requirements. But it turned out Chase didnt apply the promo code to my account. I am very sure I entered the promo code when I opened the accounts online. Then I submitted a request for investigation. I got a phone call from the investigation team and the person left a voice message and asked me to call back. I called back within the working hour but the person who left me a voice message didnt put any notes or memo for his colleagues. So I didnt get any updates when I called back. If he has no information for me, why did he ask me to call back and waste my time? I have 2 requests : 1. I request Chase to apply the promo code to my accounts so that I can get the promised {$900.00}. 
2. I also request an apology from Chase for the meaningless voice message that wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-11
Company: BANK OZK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BANK OZX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Your company, XXXX XXXXXXXX XXXX is reporting inaccurate and incorrect information to my consumer reports TransUnion, XXXX, and XXXX. Your company reporting past due amounts for an account you labeled as charged-off. Your company did not have written permission from me to report any of the negative information to my consumer reports. 

Please see attached letter to understand the specifics and violations from your company. My mode of living has been affected and my ability to obtain credit to be able to take care of my family along with my children 's ability to pay for college.

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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was an authorized user on my father 's XXXX  credit card. He passed away. I never gave my permission and did not know I was authorized for this card. I never used the card. 

XXXX  credit card has told me I am responsible for my late father 's debt on two separate phone calls. This is false and illegal to tell me that I'm responsible when in fact I am not. They have added derogatory information on my credit report that took my score from XXXX to 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 2021-02-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Citibank BestBuy card just added over {$1000.00} worth of interest fees to my account. After notifying them of the financial difficulties I have experienced during this pandemic. I've been out of work for several month due to contracting Covid and I also loss several members of my immediate family to covid. I attempted to reach out to customer service regarding this matter and no one from that company was willing to help me. I was even denied to speak to a supervisor when requested. A copy of this complaint has also been sent to the Attorney general 's office.

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 2023-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 have several inquiries on my report from companies, I didnt authorize. 

XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX 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 Ive reached out multiple times no resolution was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The below was sent with an old email that I can't open anymore to see response. This is a second account being made by me with new email. Can response be sent here or what do I need to do. This is XXXX XXXX Old email : XXXX New email : XXXX Thank You This ticket ( # XXXX ) has been updated. 

Hi XXXX, Thank you again for your submission to the FCC. The FCC 's role in this process is to facilitate a conversation between you and your provider. We received a response from your provider to your XXXX XXXX. XXXX. 

Here 's what happens next : - Your provider is required to send you a written copy of its response. Keep in mind, If the carrier sends the response by postal mail, it could take up to 10 days for you to receive the response. 
- Please review your provider 's response. If the issues you raised in your ticket remain unresolved, you can reply directly to this email with a short description of the problem. 
- Keep in mind that billing adjustments or other actions by your provider could take time to implement. 
- If we do not hear from you within 30 days, your ticket will be closed. 
- If you have new issues with your provider, you can file an additional complaint by going to : consumercomplaints.fcc.gov This email is a service from FCC Consumer Inquires and Complaints.

Company response to consumer: Closed with explanation