BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Please be advised after careful review of my consumer report I have come across the following items on my report. 

XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX Duplicate account XXXX XXXX XXXX XXXX Account number XXXX XXXX ) ( XXXX ) There are multiple inaccuracies regarding the reporting of the said alleged debt. 
These accounts is currently reported as charged-off. 
This account exceeds the XXXX dollar threshold, I was never sent a 1099c which this account qualifies as realized income. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Delete these accounts IMMEDIATELY Failure to respond satisfactorily with the above accounts deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX enclosed is a copy of my ID and proof of address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Premier checking account with BMO Harris on XX/XX/2021 through a promotional campaign BMO had on their website. The promotion was for a {$400.00} account opening bonus if the consumer completed the following conditions : a ) setup a direct deposit with BMO, b ) deposit {$7500.00} or more within 90 days. 

Despite meeting these conditions, I never received my account opening bonus. This XXXX, I called BMO Harris several times at XXXX to follow up. Each time I called, there was a 20 min wait to even get to a customer service rep. Even after getting to the rep, I was bounced around to various departments - everything from sales to servicing. After the third call, I finally got to an agent who could look into my file.

BMO claimed that when I went through their online application, the " promo code '' was not filled in. I explained to them that I applied through a promotion they ran directly on their website. I did not see any promo code requirement nor did I see a place to enter a promo code on their online application. Furthermore, I asked them even if there was a promo code, why wasn't it pre-populated on the form for the consumer especially when I applied through BMO 's promotion advertisement directly?

Finally, since this was their " Premier '' account, BMO charges a monthly service fee if the account balance is not at least {$25000.00}. I was actually charged these fees for several months because my balance was under {$25000.00}. 

I am filing this compliant because I feel BMO ran a very deceptive ad campaign. Given how messy this whole experience was, I suspect other consumers have also incurred financial loss.

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 2021-04-20
Company: EQUIFAX, 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:
Equifax and removing comments from a dispute : I asked that the comments from a dispute on my credit report be removed. I was assured by the agent that my request was documented and was given a confirmation number ( XXXX ). I requested the comments be removed from all 5 accounts I had open. This was requested on XXXX. I was told it could take up to 30 days to update and I would receive an email confirmation once complete. I questioned if this could be expedited like a request I made on XX/XX/19. That request was processed that day. The agent continued to tell me it could take 30 days. I accepted that response. 3 days later I called back for an update. The agent again stated that he would check on it and again assured me the issue was resolved and I would receive a confirmation email shortly. The phone conversation ended and I check my Equifax account ( I pay a {$20.00} fee per month for their premium service they offer ) and find there was a new dispute investigation request. I was calling for an update on the confirmation number I was given and not to open a new one. I called back to another number I found online ( XXXX ) and talked to a Executive Customer Service rep. He verified my identification by instructing me to open a dispute online to dispute the DOB in my personal file. He told to just update it to the same DOB already listed. He said the reason for this is to update the account as there were no comments in any of the disputes but it still was showing as " under investigation ''. He had me upload my drivers license and social security card to the dispute and then assure me it was complete. I then checked my Equifax account and the account that was opened in error was gone and the request filed on XXXX showed complete. The comments are still appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: PA
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:
all 3 credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX XX/XX/XXXX experian- XX/XX/XXXX XXXX XX/XX/XXXX date of last payment XXXX XXXXXX/XX/XXXX experian- XX/XX/XXXX XXXX XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit XXXX- {$2000.00} experianXXXX {$0.00} XXXX {$0.00} comments XXXX Charged off as bad debt Dispute resolved ; customer disagrees experian- Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. XXXXCONSUMER STATEMENTXXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Consumer disputes after resolution Account transferred or sold

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 2021-10-19
Company: ENCORE CAPITAL GROUP 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:
Midland credit purchased an account I had with XXXX XXXX credit card. The account was fraudulent and not my account. The police were notified back in XXXX  and XXXX  XXXX sold my account to Midland Credit and now reporting negative and adverse information to XXXX XXXX, XXXX, and XXXX for an account that was not mine. They even went as far as filing a lawsuit without my knowledge and had a judgment on me. I was able to hire an attorney to have the judgment vacated, because the account was fraud, yet Midland credit still reports adverse information and is destroying my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i have an account at PayPal NAME- XXXX XXXX . Email id- XXXX. 

my only mistake was I was a new user of paypal and was not familiar with terms and conditions, I missed to give my some id cards when they have sent A Email. 
I received my first order on etsy on XXXX XXXX of three painting and i have updated the Tracking detail on Paypal, but after that they locked my account permanently, and freeze my fund {$180.00} for 180 days. 
I sent many emails and requested them I am ready to give whatever ID they need from me, it was just that I didn't know about this before. but they are not helping me or not giving my money, they said that At PayPal, we value a safe community for our customers to do business. We noticed activity in your account that's inconsistent with our User Agreement and therefore can no longer offer you PayPal services. 

when my client is so happy with my painting, attaching her feedback with this complain, why they are holding my payment. i am a poor XXXX spent money on painting, sending couriers, paid fees of XXXX but now I AM IN BIG TROUBLE NOW, this is first time when i sold my painting in international market and this unfortunate thing happened with me, i beg for your help. please please please help to get my money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-06-18
Company: TD BANK US HOLDING COMPANY
State: NY
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 XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX  and XXXX XXXX Card who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B. 

I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. 


Thank you for your help and assistance. 

Sincerely, XXXX XXXX ____________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: MD
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 have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.

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 2022-01-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several Citibank accounts opened up in my name. I immediately notified the Citibank fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. CitiBank continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.

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 2021-10-19
Company: Experian Information Solutions Inc.
State: GA
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:
My wife and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on XXXX and Experian credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

My wife and I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my wife and me from XXXX XXXX XXXXXXXX XXXX XXXX. I told them we sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.

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 2020-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
While trying to pay my monthly fee at Capital One this month of XX/XX/2020 I was hampered with not having the XXXX numbers of my closed card handy. Using my social security number I learned that I have 2 closed accounts and one from very long ago that is still open. What??? But the privacy issue is that Capital One claims it tried to send me a text message to confirm my identity and that my phone refused the text. What??? Now they have placed a 'restriction ' on a closed account. I am supposed to send in a picture, front and back, of my driver 's license! I asked several times why they do not use my email address for identity confirmation like other businesses and banks do. They give some kind of run-a-round answer. I have had to hang up twice because they give me a XXXX. They sound like they are into some kind of criminal identity theft. Am I really communicating with Capital One? Remember XXXX XXXX? " Is this the party to whom I am speaking? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a 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 than records of convictions of crimes which antedates the report by more than 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 non-monetary relief
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXXXXXX XXXX XXXX XXXXXXXX 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 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 than records of convictions of crimes which antedates the report by more than XXXX 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 non-monetary relief