BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To : Whom it May Concern, I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C . {$16000.00}, every single one even each any or all of the unproven, non-compliant, Incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be negated in its entirety or the alleged accounts are to be completely deleted. 
The Following derogatory account allegation are either UNTRUE, UNVERIFLED, OR INCORRECT, or otherwise not proven compliant to regulatory federal reporting laws and or standards and MUST be removed immediately the Infraction are as follows : Account Name : XXXX XXXX Account # XXXX Late Payment : I am demanding that this account be updated to paid as agreed and never late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance Implemented with the CRSA enacted CDIA METRO 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my 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 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this 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 2022-09-03
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-03
Company: Experian Information Solutions 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:
This is XXXX XXXX submitting this CFPB complaint requesting that the Credit Bureaus remove the disputed fraudulent items reporting on my Credit Report. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I feel like the Credit Bureaus have done nothing to correct my Credit file. I am submitting this CFPB complaint to follow up the previous complaint I submitted last XX/XX/2022. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00}. If the Credit Bureaus claim that the Disputed items do belong under my name, I need the Credit Bureaus to provide me copies of proof of verification or any documents bearing my signatures. If the Credit Bureaus find no such documents, I would greatly appreciate it if the Credit Bureaus would immediately remove the disputed items 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 2022-02-13
Company: Experian Information Solutions Inc.
State: PA
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 have explained to Experian that these accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.My FTC report 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 2023-09-04
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: CITIBANK, N.A.
State: NJ
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:
My Sunoco/CBNA credit card has been closed for over 5 years and paid via settlement. Experience continues to report it as open with a {$950.00} balance. I've disputed this several times only to get results that's say " reported information accurate ''. This mistake by the credit bureaus as well as Sunoco/CBNA has affected my score negatively.

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 2018-03-13
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: Old information reappears or never goes away

Complaint:
XXXX, Transunion and XXXX all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..

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 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. US DEPT ED XXXX {$730.00} US DEPT ED XXXX {$6000.00} US DEPT ED XXXX {$8100.00} US DEPT ED XXXX {$4900.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$5200.00} US DEPT ED XXXX {$3900.00} Inquiries : XXXX  Date of Inquiry XX/XX/XXXX XXXX Premier Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: M&T BANK CORPORATION
State: NY
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:
Thank you for the opportunity for XXXX to bear witness to your failure to respond to the issues I presented in my complaint # XXXX through the CFPB. The issues which you avoided went right to my fundamental right to be free from inaccurate reporting as well as fraud and identity theft. One can only assume that the avoidance of those issues is an indication that you have more to hide. Your company failed to provide a responsive answer which would satisfy my right to information requested. I wish to make public notice of the following : 1. Notwithstanding the production of any substantively admissible facts to the contrary, the following shall stand as facts not reasonably in dispute in any adversarial proceeding : a. Your company furnished negative information to one or more consumer reporting agencies as evidenced in the above referenced complaint. ( See exhibits in the above referenced complaint ID # ) b. I filed a complaint with the cfpb. The complaint challenged the legal sufficiency of your actions. 
c. Your companys response appears intended to misrepresent and mislead me into believing that your company is in possession of sufficient substantively admissible facts to establish your right to report or collect on an alleged debt without having produced said facts. 
d. Your company has failed to provide me with substantively admissible facts sufficient to show that you have or had my express written authorization to use my personal identifying information in connection with the collection of the alleged debt in question. 
e. Your company has failed to provide me with verification of the alleged debt in question or contract in the form of a credit application. 
f. Your company has failed to provide me with substantively admissible facts which would show that I have agreed to any terms and conditions relative to an agreement with your company. 
g. Without a witness to swear to proof of service/proof of mailing of any billing statements, I am forced to deny the existence of any such account stated. 
h. Since the filing of the CFPB complaint specified above, I mailed a complete denial of the existence of any alleged debt and such mailing was not returned to me as undeliverable. 
i. Your company has portrayed me in a negative light to one or more consumer reporting agencies and in an unconscionable attempt to cause me to surrender money, rights, or property.

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 2023-03-13
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX Pollack and Rosen , P.A mailed out a correspondence to my home notifying me that they were the new lead of counsel for an alleged debt owed to XXXX XXXX XXXX XXXX I also received a letter telling me that a judgement has been entered against me and I would need to make an immediate payment. The correspondence also stated that is was a strong possibility I was facing a wage garnishment order. I called the company to advise them that this was an alleged old debt and another collection firm attempting to sue me for this matter. When I asked the representative on the phone how much did I allegedly owe this company. She stated that I owed {$14000.00} which was not what the paper stated. I was then transferred to the wage garnishment department. The gentlemen on the phone was extremely aggressive about the matter. He demanded that I pay {$410.00} a month or else. I advised the representative that I was on a fixed income and could barely pay my bills. The representative said Well i dont know what to tell you. After that call ended I was extremely upset, confused and scared for my life. I am already in the lower income class base and this erroneous debt is going to cost me my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
My son has an account in capital one bank. Someone used his debt card in XXXX We are in VA . I called capital one and got email fro them. But I want to report this and found out who it is. It's very scare. Please found it. 
Capital One XXXX XXXX, We've received your claim for your account ending in XXXX on XX/XX/2023 for {$75.00}. Your claim number is XXXX. Keep these details handy as we may follow up for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I logged into my savings account with the mobile bank XXXX. I currently have {$1100.00} in the account. The app told me that my account was restricted for a fraud investigation. I was given no other information, than to text the company during business hours. When I messaged the company again, a representative reached out and essentially said that the account will be frozen until they finish their investigation. After I searched online to see if this was a common problem, it seems the bank regularly freezes funds without proper reason, or way to unfreeze. I was unable to pay rent this month, and had to take money from other accounts to pay because I had no access to my money. XXXX will not allow me to screenshot their communications in the app.

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 2023-03-31
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 belongs to someone else

Complaint:
Said my XXXX account was opened XX/XX/2020 and being reported as a closed collection account on my consumer report ( XXXX, XXXX, Transunion ) which I have know nothing about this account. Request to verify validation of the debt including names, address, original signed signature from signed contract of the person in question about the service. If can not be verified within 30 days at a reasonable timely manner, delete the account from 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 2023-04-25
Company: Experian Information Solutions Inc.
State: SC
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 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.

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 2019-10-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of Identity theft notice my social security number was use to obtain a credit card from old navy on XX/XX/2019. I am in contact with all 3 credit bureaus to try to remove the inquiry and I have also tried to resolve with Synchronizy Bank.

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