BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am filing a formal complaint against CIT BANK, XXXX ( a division of XXXX XXXXXXXX XXXX ) and seeking compensation. 


There has been a pattern observed from this bank to use " XXXX XXXX XXXX '' as an excuse to intentionally hold and freeze client money for as long as 90 days. 


In details, this bank had been holding my hard-earned money in a no-penalty CD account ( Acct # XXXX ) from XX/XX/XXXX to XXXX with the excuse of " Under Security Review '' ( though I authorized my husband to discuss my account during the phone calls ). That caused my huge losses. As a result, CIT Bank should be held accountable. 


I would like to withdraw my money deposited from the bank to make a lump sum payment -- for emergency use, but I had been unable to move my money from XX/XX/XXXX to XXXX ( for two months long ). For two months, I hadn't received a single phone call or email from CIT Bank, and I hadn't been able to access and move my hard-earned money either, causing my huge losses.

Worse yet, I was told clearly by CIT Bank 's different agents that their review would be done within 24 hours, 48 hours, or 10 business days, respectively -- so, each time when I called, I was told a different story/lie. From the latest call, I was told to wait for 90 days -- that's absolutely a joke, absurd, and ridiculous! The fact of the matter is -- from the calls, I, as an XXXX, feel discriminated against by CIT bank, XXXX. 



The bottomline is that CIT Bank can not and should not hold and freeze client money during an emergency family situation, causing big losses -- worst ever seen! As a result, CIT Bank should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
This is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me 30 days past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2023-01-05
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 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 2023-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently contacted by Portfolio Recovery Associates regarding a debt they purchased from XXXX XXXX in XX/XX/XXXX. The debt they purchased was due to fraudulent charges and accumulated fees. I had numerous conversations with XXXX  XXXX about resolving the matter regarding the fraudulent charges and they never followed through. The last payment XX/XX/XXXX to XXXX XXXX was a good faith payment to keep the account open and for them to finish the fraud investigation which never occurred. As noted, PRA acquired this back in XXXX but I did not hear from them until XX/XX/XXXX. They attempted to settle the debt but I had XXXX balance prior to the fraud charges that went unsettled with XXXX XXXX. I requested itemized statements that validate the balance which would show as disputed on XXXX XXXX  side. I did not receive the itemized statements, instead I received XXXX statement of the total balance and accrued fees/ interest. They have failed to work with XXXX XXXX to procure the necessary information regarding my fraud dispute to dismiss this collection. PRA has not added this to my credit report as of yet but they have been threatening to do so even though they have not properly validated any of the debt nor the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: WELLS FARGO & COMPANY
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My name is XXXX XXXX XXXX. I 'm a bank customer of Wells Fargo Bank. In XX/XX/XXXX with absolutely no action taken on my own, XXXX offered me an automatic credit increase of {$300.00} on my credit card. I had taken out the card in XX/XX/XXXX/XX/XX/XXXX with a {$1000.00} security deposit. After XXXX consecutive months the bank returned the deposit, when I never asked them to, nor wanted them to. My intention from the start was to build my credit. Which I feel I have done after making approximately XXXX consecutive monthly payments on this credit card account on time!!! In XX/XX/XXXX of this year, I telephoned XXXX and spoke with a banker/supervisor about receiving another automatic credit limit increase, since not having received XXXX in 4 years. I was told by the banker that I was correct and was in line for such a decision. He also told me I would hear from the bank the following month ( XX/XX/XXXX ). I waited until after XXXX, and when I did n't hear from the bank I called them. That call was with a banker/supervisor, also. Diuring that phone call I was lied to, and told that no automatic credit increase review was forthcoming. The supervisor confirmed the bank does in fact have a random system of selecting card holders for credit line increases. But when I asked for the criteria which card holders are selected this person kept repeating there was none! That it 's all done randomly. My response was, does n't the bank think XXXX consecutive timely payments counts for something? The supervisor said the decision was random. Because the bank could not account for the criteria used nor explain why I had been lied to not once but twice it was clear to me I was the target of discrimination. Furthermore, the supervisor alluded to the bank secretly pulling my credit without my permission. Listen to the tape XXXX, becausr the conversation was recorded. You have an unexplainable discriminating process snd you 're secretly pulling my credit. There should n't be a random system that does n't reward customers likee that has made my credit card payments on time every month for XXXX or XXXX years. No lates. No over the credit line charges. This is the bank making decisions about my account illegally. Otherwise, how is someone expected to elevate their credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
TRANSUNION CONTINUES TO VIOLATE MY CONSUMER RIGHTS WITH INACCURATE REPORTING AND NOT REMOVING INVALID ACCOUNTS THAT I DSIPUTED 10 TIMES. TRANSUNION IS STILL INACCURATELY REPORTING : XXXX XXXX XXXX  ACCT # XXXX THIS ACCOUNT WAS REMOVED SEVERAL MONTHS AGO FROM XXXX AND XXXX XXXX BECAUSE IT WAS INVALID, INACCURATE, UNPROVEN AND UNVERIFIED. 
ONLY TRANSUNION CONTINUES TO REPORT THIS INVALID ACCOUNT. 
I HAVE DISPUTED THIS ACCOUNT WITH TRANSUNION 10 TIMES AND HAVE NEVER RECEIVED ANY PROOF OF HOW TRANSUNION SUPPOSEDLY VERIFIED THIS ACCOUNT? WHAT METHODS WERE USED TO VERIFY THIS ACCOUNT? 
WHAT DOCUMENTS WERE PROVIDED SHOWING ANY PROOF THAT THIS ACCOUNT WAS IN MY LEGAL NAME, WHERE ARE COPIES OF BILLS OR STATEMENTS WITH MY LEGAL ADDRESS? 
XXXX AND XXXX REALIZED THAT THIS ACCOUNT WAS INVALID AND REMOVED IT FROM MY REPORT TO REPSECT MY RIGHTS. BUT TRANSUNION REFUSES TO FOLLOW FCRA RULES?

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 2023-06-01
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; 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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion LLC Credit Reporting Company, TransUnion is listing a paid and closed account from 2013 ; the name of the account is XXXX/XXXX  ; this account requires Deletion from my TransUnion Credit Profile because it is older than seven ( 7 ) years.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2021-10-06
Company: ERC
State: IA
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:
On XX/XX/2021 I sent a letter to ENHANCED RECOVERY COMPANY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that the erroneous account is still in my file despite it being erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account immediately Kindly fix the negativity of this account : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXX XXXX XXXX. Please correct and update.

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 2023-06-01
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:
When I reviewed my credit report, I discovered that these items were 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 deleted for 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

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 2023-01-05
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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:
Mariner Finance approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX/XXXX/XXXX I noticed on my XXXX Account that XXXX XXXX had sent in a report for 60 days late and when checking the amount the charged by checking on the phone on the amount vs the late fee exceeded federal limits. I personally do not have a XXXX XXXX XXXX credit card, but my wife does and it is not a joint account. I discussed this with my wife and she has not used this card in XXXX at all. In direct violation and prohibited by the XXXX XXXX XXXX XXXX. XXXX sent no statements and made no phone calls. The made no attempt to notify of any amount owed. Nor did they send emails or communications simply placed it as late on the credit report for charges we never made. In putting dispute information in the is insufficient space to list all the details. We contacted XXXX XXXX who has been fined billions of dollars for illegal credit practices in the last few years and investigated by numerous state and federal officials. CFR section XXXX lists these practices as direct violations of federal law. We contacted XXXX and filed a fraud complaint on unauthorize used of the card on XXXX. On XX/XX/XXXX we paid the charged balance and XXXX waived the late fees and found the amount was about XXXX dollars charged. My wife, whose credit report shows contact, address and phone number information that does not belong to her and never did whose name is XXXX XXXX XXXX of birth XX/XX/XXXX Address XXXX XXXX XXXX, XXXX, XXXX  XXXX. Phone number ( XXXX ) XXXX showed someone elses information completely on her credit report. On XX/XX/XXXX we paid the amount to avoid any more negative reports on our credit report, and it should never have been placed on mine as the account is not joint, we then as someone else is using the account cancelled the credit line. We have prohibited all our employees, and our purchasing agent from purchasing, visiting or even going into a XXXX XXXX XXXX because although I do not have a credit card do have a pro rewards card for my business which employees 40 people. Thank you, see that these violations are properly investigated and please have the negative information removed from all three credit bureaus as the practice being followed by XXXX is prohibited under federal law.

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