BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX  XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2020-03-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXXXXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2020-09-24
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is collecting asking for far more than what is owed and I have no recollection or proof of any of these fees incurred. This is bad for my credit I am trying to purchase a home and the company is being difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 accounts that's reporting on my credit report inwhich I have absolutely no knowledge of and respectfully requesting that they be blocked due to them obviously being someone else 's. And in accordance with the FCRA law, I'm requesting physical documentation with dates and signatures to collaborate what the agencies are reporting. So what I'm saying here is that I have no contract with the following companies ( 1 ) XXXX XXXX XXXX for {$120.00}, {$120.00}, {$1000.00} ( 2 ) XXXX XXXX XXXX, {$1000.00} ( 3 ) XXXX   XXXX XXXX, {$920.00} Please Block All the above accounts or send me physical documentation of such.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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  Designed 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 a 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
Consumer complaint received 2020-03-27
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am currently a customer with a car loan through Ally financial and it cant complain enough about the terrible customer service with this company. I went into my account to change my credit card information due to changing banks and after applying my new card Information they locked me out of my account. So I called and they told me to try logging back in in about 5-7 days ( ok no problem ) after 7 days I try to log back in and still locked out so I called once again to see what the deal with and I get the same answer over and over again so I ended up having to pay my payment thru XXXX XXXX so I wouldnt get penalized. So the following month came along and STILL locked out of my account. Still no answer, still not one person tried to help me get into my account to pay my payment so once again I had to do XXXX XXXX and today I am once again in the same boat and I REFUSE TO KEEP USING XXXX XXXX. Im a very unhappy customer with Ally bank I have been a customer for about 1 year 1/2 and never once had a missed or late payment. I just dont get it. I need answers.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2023 I received a credit inquiry from my Experian credit report. The inquiry was from XXXXXXXX XXXX which I have never applied for before. Apparently, who ever stole my identity used a different address based off XXXX XXXX. I have never lived in XXXX XXXX, I am from XXXX Florida. I have contacted the credit Bureau and they have disputed the inquiry, address and phone number from my credit report. They have also placed a credit alert on my account, which will notify me of any new inquiries.

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 2023-02-28
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit Reporting act XXXX Account Discover Card has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TCF NATIONAL BANK
State: PR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To whom it may concern, Today, someone fraudulently took over my business email account, instructing my administrator to transfer {$48000.00} to an account in TCF Bank. The fraudster used by email address and my name to provide these instructions. Thankfully, my administrator validated this information before proceeding. I called TCF Bank and they communicated that they did not have access to investigate this claim. The bank account information is presented below. 

BANK NAME : TCF BANK ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX BANK ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX BENEFICIARY ADDRESS:XXXX XXXX XXXX XXXX XXXX IL XXXX Please, advice as to what additional measures I can take to protect my financial accounts from this fraudulent activity. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concerned, I sent in a dispute letter to XXXX and Experian around XXXX XXXX to removed negative accounts and inquiries that 'was opened fraudrulently, they never responded back I'm also was a victim in the XXXX  databreach on the attachments i attach the dispute letter that i had sent to both companies also in email showing that i was affected on the XXXX data breach..

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 2019-01-20
Company: EQUIFAX, 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:
ON XX/XX/XXXX I WAS A VICTIM OF ID THEFT. NUMEROUS ACCOUNT HAVE BEEN OPENED FRAUDULENTLY IN MY NAME WITH MY ID. BELOW ARE THE ACCOUNTS THAT I HAVE NOTICED ARE FRAUDULENT.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I HAVE FORWARDED THIS INFO TO : XXXX, XXXX  AND EQUIFAX. EACH CREDIT BUREAU HAS REFUSED TO REMOVE THE FORGOING DATA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BOA had me on a keep the change I had called several times to ask me to remove this they continued to move money from checking to saving daily whenever a transaction was made and then I would move it back and call them I was told that this had been taken care of just like someone was supposed to change my acct to the safe balance and they did not took several calls they have since charged me XXXX and when I called them they responded that they would not reverse the charges. I am not willing to pay a fee for keeping my checking acct from being over drawn they have since turned off the keep the change. They said I signed up for this years ago and I advise I had ask them to remove it before now due to COVID and my medical and financial situation. I medication I need to be buying XXXX XXXX XXXX XXXX in XXXX I have XXXX I need to wear the next XXXX mos. so I do not have money to give to a bank. Also during COVID they closed my business acct without telling me why and sent me to XXXX XXXX  and when I tried to address this with them they I have been blown off XXXX XXXX answers the phone but the amount they reported was in correct and there was money in another acct that this could be been cleared up they need to remove me from XXXX XXXX this is affecting my business, credit and ability to reopen my business since COVID I think closing my acct in the mist of COVID was a horrible decision for a small minority business and being a woman makes me a double minority. I have been through it with BOA and they really need to stop picking on the little people nickeling and diming along the way every little bit count these days please correct these action remove me from XXXX XXXX for I was not aware of this amount being owed and was not granted a proper notice to clear it up on my own. I am still banking with BOA with personal accts I do not want any retaliation for this complaint the XXXX fee has cause an overdraft please correct this. My cleaning company is 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 monetary relief
Consumer complaint received 2018-08-31
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:
ON XX/XX/2018 I SENT THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCY NOTIFICATIONS IN REFRENCE TO ACCOUNT # XXXX ALEEGED CREDITOR NAME : XXXX XXXX XXXX. THE ALLEGED CREDITOR HAS FAILED TO RESPOND TO MY NOTIFICATION THAT WAS SENT 30+ DAYS ALLEGED CREDITOR WAS MORE THEN THE TIME ALLOWED TO PROVIDE PROOF OF ALLEGED ALLIGATION, AND COMPLIANCE. THE ALLEGED CREDITOR XXXX XXXX XXXX HAS YET TO REPLY. THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCIES IS IN VIOLATION OF MY STATE AND FEDERAL LAWS. PLEASE DELTE IMMEDIATELY THIS UNVERFIED ACCOUNT THAT IS CONTINUING TO BE INJURIOUS TO ME. ATTACHED IS A COPY OF THE LETTER SENT TO CREDITOR AND CONFIRMATION OF SUCEEFUL DELIVARY OF MY NOTIFICATION

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 2023-10-18
Company: Experian Information Solutions Inc.
State: MO
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:
In accordance with the fair credit reporting act, XXXX  account number XXXX, has violated my rights.

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

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B 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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX - XXXX $ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My problem is with TransUnion. The company will show something wrong and I file a dispute. While my dispute is pending, suddenly other information will appear and be wrong dropping my credit score more, and I cant even dispute it because I have to wait for the first dispute to be resolved. TransUnion has continued to do this to me for nearly a year, after I paid my debts and received a XXXX credit score. I  currently have a dispute where I opened an acct with XXXX XXXX in XX/XX/XXXX and paid it in full by the XX/XX/XXXX ( within 2 wks ) before the very first payment was even due, however TransUnion shows I still owe that bill and owed it since XX/XX/XXXX now theyve brought up closed accts and placed them as loans AGAIN dropping my credit score. My student loans were consolidated and taken over by XXXX, and I do not owe any payment to XXXX I have proof, but TransUnion listed XXXX as ANOTHER loan ADDING to my loans and stated I have a monthly payment, dropping my score again and again I can not dispute it bc I have to wait until the first dispute it resolved. Im going to follow protocol and then, hire a lawyer and sue TransUnion.

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 2023-02-07
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX, credit card was close by ( First National Bank of Omaha ). On ( XX/XX/XXXX ) As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Also I did not grant permission or authorize for another soft pull on my consumer credit report. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( First National Bank of Omaha ) has violated my federally protected consumer rights : 1.15 U.S Code {$1600.00} 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated ( XX/XX/XXXX ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( First National Bank of Omaha ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. I will like both of my personal credit card account to be reopen Ending in XXXX and XXXX immediately BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

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