BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: TCF NATIONAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was a victim of identity theft in XXXX of XXXX. On XX/XX/XXXX a Checking Account was fraudulently opened in my name with TCF Bank and a deposit of {$750.00} was made. I had already set up XXXX at the time, so they notified me of the account being opened and we called TCF Bank together. We spoke with Customer Service and I requested they close this account as fraud. We were told that the account was marked as fraud and would be sent to their fraud department for follow up and there should be nothing else I need to do. I continued to receive mail from TCF Bank, so I called again ( not sure of exact date ) and was again told that they would close the account as fraud. In XXXX of XXXX I received a notice that my account was assessed a fee for being dormant and the account was now overdrawn by {$4.00}. I called Customer Service again and was told that they would close the account and waive the fee, however the representative was having trouble waiving the fee in the system, so he said he would call me back when the issue was resolved. I didn't hear anything for a week, so I called again on XX/XX/XXXX and was told that the only way they can close my account is for me to send a notarized letter to TCF Bank requesting for the account to be closed. The explanation for this was that their fraud department ( they call it something else, but I can't remember ) froze the account, but did not close it. The freeze prevents them from closing it in their system and, since there is no branch in my home state, the only recourse for account closure is the notarized letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
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: Information belongs to someone else

Complaint:
I never contracted with XXXX XXXX XXXX. They should not be reporting on my consumer report. I have been patiently working through the administrative process with the company since XXXX. Having this account on my report is causing me distress and wrecking havoc on my credit consumer reputation. It is making it extremely difficult to apply for new cards and even get to a place where I can move. Applications for apartments are not being accepted due to the alleged late payment and this alleged debt that I do not owe. This is identity theft. It is the duty of the bureaus to be reporting accurate information. I don't understand how you were able to remove the hard inquiries associated with the fraudulent account but not the account itself. 

As soon as this is delivered to the bureaus I demand that the account be removed from my credit report. Please see attached document to view a handwritten letter addressing my concerns, and attachments of my process so far including two identity theft reports against the alleged 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 2022-04-20
Company: EQUIFAX, 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:
In accordance with the Fir Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX & XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXX/XX/XXXX has violated my rights. 
EQUIFAX MORTAGE SERVIC XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX/XXXX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/23 I went to make payment on my credit card and noticed that my credit limit had been reduced from {$8000.00} to {$4200.00}, which was very close to the balance that was on the card. I attempted to reach out to a customer service representative via chat and informed them I was recently released from being hospitalized for 3 weeks from a motorcycle accident. I was informed to call the customer service, which I called twice and was hung up on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX Balance : {$470.00}

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 2021-05-11
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX and XXXX of 2021, I filed a dispute with this credit bureau about Us bankruptcy of XXXX Reference Number XXXX that's reporting on my credit report that is 7 years past the filing date. I have sent proof and ask for the deletion of this outdated account. I've asked several times and In those over 3 month and i have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: LA
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 ; Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: OH
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 accordance with the Fair Credit Reporting Act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, 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:
I don't recognize this inquiries, i never applied for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent out a letter to Equifax Information Services LLC on XX/XX/2023 and it was received on XX/XX/2023. This letter was in regards to XXXX accounts on my credit report I believe to be inaccurate, as there are major discrepancies between credit bureaus. In this letter I included the last XXXX digits of my SSN, along with a letter from the XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX confirming by address. 

I received a letter back from Equifax, dated XX/XX/2023, saying that they could not match my identity based on the documents I provided. I thought thought that was fair and so I followed the directions of their letter and sent back a letter acknowledging their concerns and including the XXXX forms of identification they requested : a large photocopy of my Social Security Card and a large photocopy of my Driver 's License. I also included a copy of my original complaint letter, along with a copy of their response. This letter was received by them on XX/XX/2023. 

I received a letter back from Equifax, dated XX/XX/2023, that was the same exact letter that I had received on XX/XX/XXXX. It verbatim said the same thing and asked once again for those XXXX forms of identification. I was very upset at their stall tactics but I obliged and sent them another letter addressing that this was the second time responding to the letter and I once again included those XXXX forms of identification again : a large photocopy of my Social Security Card and a large photocopy of my Driver 's License this time printed in XXXX just in case. This letter was received by them on XX/XX/2023. 

Today I received a letter from Equifax, dated XX/XX/2023 stating that the security freeze I requested ( I never requested XXXX ) can not be processed because they once again need my XXXX forms of identification. 

This is absolutely ridiculous. Not only are they now sending me letters responding to requests I did not make but this is the the third time they ask me for the same type of identification. If I were to send it to them again, it would be my fourth time verifying my identity to them. It is also important to note that every time, I send them the most irrefutable forms of identification from the XXXX category of identifications they ask for : my Social Security Card and my Driver 's License. 

NOTE : All my letters were sent with USPS certified mail and using Letter Stream as my printer and mailer so I have proof of every letter I sent, along with copies of every letter I received from the. I can provide this if necessary, although they include my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: BMW Financial Services NA, LLC
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 status incorrect

Complaint:
In XXXX of XX/XX/XXXX, I cosigned on a car lease with my estranged husband, with him as primary and myself as secondary. Later the following year we filed for the divorce and he defaulted on the BMW lease. As a result, I was forced to temporally pick up the payments and the lease was in good standing until the courts were able to intervene and force my ex-husband to agree to surrender the car and take on FULL financial responsibility for the arrears, including the late payments. After the courts assigned responsibility of the lease/debt, including the late payments, to my ex-husband I had notified BMW Finance and provided them the information hey had requested. 

Despite this and being able to substantiate legal responsibility as assigned by the courts, BMW Finance failed to rectify the issue and continued to report on my credit report, including the late payments that were assigned to my ex-husband during the divorce proceedings. BMW Finance also listed my ex-husband on my new vehicle as an authorized person, despite him not being listed on the sales agreement or credit application. The was a blatant violation of my privacy. It also exposed me and compromised the restraining order that I had in place against my ex-husband at the time. Of course, BMWs negligence in doing this provided my ex-husband temporary access to my account until we were able to correct the issue. BMW not only continues to incorrectly report late payments ( that my ex-husband was legally responsible for ) to my credit report, but have also added my ex-husband 's current address ( where I have never stepped foot in, let alone lived in ) to my credit report as one my previous residences. I am asking that in light of the aforementioned, that both late payments and incorrect address be immediately removed from all 3 credit reporting agencies. I also recently paid off another lease that was in good standing through the duration of the loan. BMW failed to report that the financial obligation was met and in good standing to the 3 reporting agencies. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Equifax XX/XX/22 about inaccurate and incomplete information on my credit report. I have asked for verification and proof that the accounts I have asked to be removed but they have refused to send me any of which I have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I qualified for XXXX XXXX XXXX XXXX almost 2 years ago, and my loans have still not been forgiven. The threshold for forgiveness is XXXX payments, and Mohela currently has my account listed as having made XXXX qualifying payments towards loan forgiveness. I contacted Mohela ( the loan servicer ) today, and no one could give me any concrete information on my account status. 

I have completed all of the necessary forms and continue to update my employment via the XXXX employment certification forms, but no one can tell me when or if my loans will be forgiven. 

My account is now 22 months past the date that I should have been forgiven, and during that time my loans continue to sit on my credit report and limit my ability to receive financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX,, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : 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 2021-05-11
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: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/XXXX Account number : XXXX XXXX DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number:XXXXXXXX DPT ED/XXXX Account number:XXXX  DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Google Compare Credit Cards Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
There is an individual using my social security number my name but he uses a different email. XXXX is the address that I use he's got a mortgage loan loan in my name he's got a car loan and my name. I believe with individual state in Kentucky because he just opened up a utility account and my name I don't know if it's water gas or electric but it's a utility in my name and mantuck Kentucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX acct # XXXX 30 day late payment, XXXX acct # XXXXXXXX XXXX Acct # XXXX, XXXX acct # XXXX XXXX XXXX 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX, XXXX acct # XXXX, paragon rev acct # XXXX, credit coll acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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