BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
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 fraud alerts or security freezes

Complaint:
There's a fraud alert placed on my credit report. At the time, I didn't recognize any fraud reported so I requested that the credit bureau remove the fraud alert. They gave me grief and continued to say they would remove it yet they have failed to do so. I've been calling and writing letters to remove the fraud alert for the past couple of months. 

I figured that since they have failed to comply with removing the fraud alert per my request, that I would request that they add my phone number so that way if I do apply for credit then the company could call me and I could verify my identity. They have still failed to even do this. 

I'm in the process of trying to purchase a vehicle and this is the only thing holding me up. The dealership runs my credit every couple of days as the credit bureau said it would take 24-48 hours to update on my credit report, yet it still hasn't. 

At this point, this has gone on far too long. I need help and assistance to get the fraud alert removed from 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion, XXXX and XXXX is reporting a Bankruptcy on my credit report and they have put in the data furnisher as being the XXXX XXXX  XXXX XXXX XXXX of Ohio which is false. I have attached a letter from the XXXX XXXX XXXX  XXXX XXXX Ohio verifying and stating that they do no furnish information over to the Credit Bureaus or any credit Monitoring Services nor do they verify, validate any information concerning Bankruptcy. TransUnion, XXXX and XXXX is falsely stating this information and yet to remove this from 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
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:
In my credit record it shows me that I have a Citi bank card worth {$30000.00} which does not belong to me, at no time have I shared my personal information or any other information so that this account appears in my report. 

There are so many errors in this account that only the XXXX  reflects is not an account that the 3 credit agencies verify so any information about this account does not belong to me at all.

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX, I sent over detailed documentation to Capital One related to a service that was fraudulent. I provided documents including the owner/ service provider admitting that the service was faulty. When the service provider offered myself an alternative service and a later date, she never followed through with scheduling leaving myself with a faulty service and no accommodation. Capital One has no interest in protecting their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX XXXX account 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 2022-05-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in a letter asking them to remove old addresses that I no longer live at them removed some but not all. I also sent in dispute letters asking to remove inaccurate/unapproved items from my credit report they have not responded in the time allotted which is 30 days.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, We have been a victim of a scam. My wife applied for a job on XXXX for which she had some communications back and forth and ultimately she was told that she has been hired. Company representative sent her a check of {$2900.00} ( XXXX XXXX XXXX  ) and told her that she need to use this money to set up office at her home and would require us to send money to some company authorized vendor to purchase work equipments. We submitted that check in our Chase Bank thru the app. Upon submitting check was showing as pending. We called the Chase Bank and we were told that when check will be cleared it will show Money in our account as available balance and nothing will show as pending. That will be the confirmation from our side that check got cleared. Status in the bank account was showing as pending until XX/XX/XXXX before the check was reverted by the company ( XXXX  ) stating us that they will issue us a new check. We were issued a new check on XX/XX/XXXX which we submitted again thru the app It was still showing as pending same day. Next day ( XXXX XXXX XXXX ), money was available in my account and it was showing nothing as pending. Based on the earlier communication and online status in our chase account we were satisfied that check has been cleared and there is no risk now. After that Company representative has sent us a contact saying this is a vendor you need to transfer her {$2900.00} ( Two transactions {$1400.00} and {$1500.00} ) so that work equipment 's can be shipped. We did the XXXX transfer thinking that check has already been cleared since at Chase bank side nothing was showing as pending. Eventually we found out that company was a fraud and after the XXXX transfer chase informed us that check has bounced deducted {$2900.00} from our account leaving our account in negative. We became victim of fraud. We have already filed a complain with chase bank saying that why you confirmed us that check has been cleared. Based on the confirmation only we did the XXXX transfer. We help us getting our money back. We lost {$2900.00}. We can provide additional information if asked. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
Numerous attempts have been made to contact XXXX as well as Capital one and after my 3rd attempt I am forced to file a complaint. 

XXXX is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily.

XXXX is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX   and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my Capital One card.

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my XXXX  score is around 600 with inaccurate information.

Your help with this matter is much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT MGMT is claiming that I owe them {$86.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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:
When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: AL
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 might have overseas accounts in my name or individual accounts in my name or in the name of XXXX XXXX an individual who has been caught for phishing before and XXXX XXXX XXXX internet as my neighbor at one point. He might have misused info of mine for his own banking use.

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 2022-11-30
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 an ACH in the amount of {$48000.00} was sent from my account in Fifth Third bank to an individul account with XXXX XXXX. This ACH was sent in error, and recalled within 24 hours and on XX/XX/XXXX. I was advised by 5/3 that the ACH was not reversed in-time, and the funds were not available to be recalled. Myaccount was deducted {$48000.00}. 

I filed a police report. The police invetigation revealed through subpoena to XXXX bank that in fact the ACH was reversed and no funds were disbursed to XXXX customer. However, I never received the funds back into my account. When I ask Fifth Third they are telling me that XXXX is not responding. When I ask XXXX, they tell me that they can't tell me anything as I am not their customer. I have been out of {$48000.00} for almost a year, and neither bank is doing anything about it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: ECMC GROUP, INC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of XXXX I found out fraudulent student loans were taken out in my name in XXXX while I was still in high school. I contacted ECMC to make them aware I was a victim of identity theft and they refused to remove the loans. On XX/XX/XXXX I received a Finding and Order from the XXXX XXXX XXXX XXXX in XXXX XXXX Texas. This finding specifically addressed the fact that I was a victim of identity theft regarding these fraudulent loans. On XX/XX/XXXX I submitted the Order and Finding to ECMC and as of todays date they have refused to remove the fraudulent loans from my record. The loans are fraudulent and I am unable to attend school due to this. The loans are fraudulent and need removed. 

Finding and Order of Identity Theft attached to complaint.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: FISERV INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
California issued me a debit card for a tax refund. I have tried to initiate a transfer to my bank account over several days and multiple times. The website is BOGUS. I have tried 4 different browsers and unexpected problems occurred in each attempt. Primarily the " system '' seems to object to the amount of the transfer after I have tried to adjust it to less than the balance to cover any fees even though they state there is no fee for online bank transfers and even though the website acknowledges I have a balance of XXXX. I tried every amount to XXXX. I just got work my wife was allowed to get XXXX at the ATM with fees (? ) - NO DOUBT! 

My wife is now driving a XXXX mile round trip to a ATM for Money Network. I believe the reason for the BOGUS website is because they want to cause a fee to charged at the ATM. I don't care about the fee. I OBJECT strenuously to the BOGUS web site. 

Not only did they harvest my banking information, they FAILED to perform a task which happens millions of times a day. That is, a simple bank to bank transfer. 

I believe the bank should be sanctioned for their deliberate poor performance. 
Thank you for your attention to this matter.

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 2022-11-15
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted a dispute on XX/XX/2023 about this. It is with Mountain American CU. I have already tried to dispute it with them. Somebody took out a loan in my name, and I did not authorize it for {$1900.00}. Their phone number is XXXX. Their address is XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I sent a certified letter to both tower loan central and to their corporate office in Mississippi about the constant harassment I have received from Tower Loan Central. The letter has made no difference they are still constantly harassing me calling my phone. calling my relative and friends phone, and showing up at my house everything that I had asked them not to do in the letter. This is not my first complaint on this company. This time is however the worse because even when I told a representative that she is not supposed to be contacting me by phone and can only contact me by mail she got aggressive in her tone with me and continued to ignore my request for me to not be contacted by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Today XX/XX/2018 I just received an e-mail alert from XXXX XXXX and XXXX XXXX stating that an credit inquiry has just been made on my report, these inquiries definately are unauthorized

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