BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My wallet was stolen. I have a police report inquiries was made on my credit without my permission. I am submitting a copy of the police report and screenshots of the inquiry on my Trans Union.

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 2023-01-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 I opened a Citi Business Checking Account in branch in XXXX XXXX, CA. I was enrolled in a promotion that required I make a deposit with 20 days, hold the funds for 60 days to receive a {$1000.00} bonus. On XX/XX/22 my account balance reached {$50000.00}. I maintained that balance through XX/XX/22. The terms stipulated that the bonus would be paid within 90 days of meeting the terms. The bonus has not been paid. I have called three times regarnding the bonus and the representatives have let me know that I have met the terms but tell me to wait. The last time I was given the reference number XXXX by a manager who said she was raising an investivation. I would appreciate the bonus being paid now as I have met the terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX. Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something 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 explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting 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 any item 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 Balance {$7900.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiredon XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired onXXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, 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 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 2023-12-15
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
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 XX/XX/2023 XXXX XXXX XXXX XXXXXXXX Fl XXXX RE Account : XXXX XXXX XXXX XXXX Dear XXXX I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed 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 2023-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a victim of identity theft so I signed up for Experian 's membership to freeze and lock my credit. I was then locked out of my account multiple times and now I have no access to my account. I faxed over all the important documents to get access to my account. My membership case was closed due to the customer service rep mishandling the case. It was then reopened and the same issue happened. The purpose of me starting the case was for the account to be removed and I would then be able to create a NEW account and get access. As of today, I still have no access to my account and each day I am without access, Experian is putting my identity at risk for more potential theft and 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 2023-07-02
Company: Experian Information Solutions Inc.
State: PA
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:
PLEASE CAREFULLY READ FTC REPORT, AND ALL OTHER ATTACHMENTS. PROPER IDENTIFICATION IS ATTACHED AS WELL. 

XXXX XXXX XXXX IS COMMUNICATING WITH ME ABOUT AN ALLEGED DEBT THAT I DO NOT OWE THEM. DEBT IS AN OBLIGATION OF THE UNITED STATES..NOT ME. I HAVE NO CONTRACTUAL AGREEMENT WITH XXXX XXXX XXXX.CXXXX XXXX XXXX HAS OBTAINED MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT AND SHARED IT WITH A NONAFFILIATED THIRD-PARTY ( EXPERIAN ) AND USING IT FOR THEIR FINANCIAL GAIN AND AT MY EXPENSE AND ARE HARASSING ME AND TRYING TO COERCE ME TO PAY A DEBT I DO NOT OWE. XXXX XXXX XXXX IS IN DIRECT VIOLATION OF THE GLBA, FCRA, AND THE FDCPA. PLEASE DELETE THE ALLEGED DEBT AND ACCOUNT FROM YOUR FILES AND RECORDS IMMEDIATELY!! I AM ENFORCING MY RIGHTS AS A CONSUMER WHICH XXXX XXXX XXXXXXXX AND EXPERIAN ARE TO HONOR. 

EXPERIAN IS REPORTING INFORMATION FROM XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT WHICH I DO NOT AUTHORIZE. EXPERIAN IS IN DIRECT VIOLATION OF THE GLBA AND THE FCRA. EXPERIAN FAILED TO CONDUCT THOROUGH INVESTIGATION RELATING TO THE ALLEGED ACCOUNT BEFORE REPORTING IT ON MY CONSUMER REPORT. EXPERIAN DID NOT CONTACT ME NOR GET CONSENT NOR AUTHORIZATION TO REPORT THE ALLEGED ACCOUNT NOR ANYTHING ON MY CONSUMER 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 2023-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Bank of America has failed to reimburse me a majority of bogus cash advance fees related to a checking account that was used immediately & closed shortly afterwords after being told a check would be issued ( with no time frame given )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have not tried to contact Sychrony bank because they either do not care, their managers are rude and couldn't care less, and they do respond to emails that have been sent. 

My credit limit on my Verizon Wireless account was reduced from {$800.00} to {$240.00}. I use the card regularly to pay my Verizon Wireless account. It is paid in full every month. Synchrony bank basically left me enough credit to pay one bill and charged the next. Should I thank them????? This is the XXXX credit account they have slashed. They send the same form letter for every credit card. Can they please leave me alone!!!!! They ruining my credit that I am diligently trying to repair!!!!!

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 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
reviewed my credit report from Experian and noticed that the report has credit inquiries that I did not authorize. I request you to investigate and remove the inquiries as soon as possible. I will be applying for a loan very soon and it is crucial that my credit score reflects my accurate credit standing. In case you come across evidence that counters my claim, I request you to please send me a copy XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-07-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a fraud dispute under the claim XXXX, I said that all transactions made with my debit card ending in XXXX from XX/XX/XXXX are non authorized. Due a mistake from the representative he also included 2 transactions that were authorized by me on XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} ( both same amount date and merchant ) So thats why the claim was denied. I need to reopen the case as fraud dispute taking out those 2 transactions from the claim. 

and also open another claim, merchant dispute for merchandize not received. card ending in XXXX XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} both are an XXXX XXXX, the merchant must delivered the purchase on or before XXXX XXXX XXXX, they never sent the items. I tried to contact them by the website without any answer several times starting on XX/XX/XXXX I attached the letter from the bank highlighted those 2 transactions I tried to fix this by customer service, after speaking like 30 minutes with the representative the call was disconnected and I tried to call 5 times after and the answer was " we cant locate any account with that account number '', doesnt make sense if I gave the same information as the first call. Please fix that, I have the same problem many times when I call customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
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:
The following inquiries need to be deleted. 
I included my report from 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : ACCOUNT NAME : MOUNTAIN AMERICAN CU Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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:
Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: M&T BANK CORPORATION
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX you are in direct violation of the fair credit reporting act ( M $ T bank acct. XXXX ) has violated several of my rights 15 U.S.C 1681 section 602A. clearly states that i have the rights to pricacy.

15 U.S.C 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 16668 : A creditor may not trat a payment on a credit card account under an open- and consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
I have no idea where these accounts came from, but they have been recorded in my file. I started monitoring my credit because I want to buy a house, and I discovered these accounts that I have no idea what they are or where they originated from. I'd like to say the businesses have responded, but they haven't. They have failed to react to my request for clarification. I don't know where else to turn because this information is false, and I need assistance in contacting the appropriate authorities to complain about the violation of my rights and the identity theft that has occurred in my life. Please assist! - EQUIFAX XXXX XXXXXXXX XXXX XXXX XX/XX/2023, EQUIFAX XXXX XXXX XXXX XX/XX/2023, EQUIFAX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief