BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX

Company 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Request to Citi Personal Wealth Management : Keep accounts below opened after a partial transfer order to XXXX was made : XXXX IRA ( ~ {$70000.00} ) XXXX ROTH IRA ( ~ {$2000.00} ) On XX/XX/23, I called XXXX, Citibank Investments, a phone number I had previously used to successfully contact Citibank Investments, in order to keep the accounts above open after a transfer order. I was rerouted to Citibank credit cards. 
On XX/XX/23, I called XXXX, Citibank Investments, I was rerouted to Citibank Business. 
On XX/XX/23 I called XXXX, a Citibank Investments representative, XXXX, sent me a secure email so I could attach a rescind letter to keep both accounts open. XXXX told me he will be looking into the issue of keeping the accounts open and told me he would call me back the next day. I never received a call from XXXX. 
On XX/XX/23, I reply to XXXX with a PDF attachment. 
On XX/XX/23, I received a reply form Citibank.securemail.citi.com telling me to attach and encrypted PDF without any instructions. 
On XX/XX/23, I wrote to Citibank.securemail.citi.com to asking for further instructions. I have received no response. 
On XX/XX/23 I called XXXX, Citibank Investments, I was rerouted to Citibank department other than Citibank Investments. On XX/XX/23 I called XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I called for a second time XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I called for a third time.XXXX, Citibank Investments . I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I sent a rescind letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX to request that the account above be kept opened. I have not received any response. 
On XX/XX/23 I called XXXX, Citibank Investments. I was assured my account will be kept open. 
On XX/XX/23. I called XXXX, Citibank Investments. I was told the account were still closed. 

Thank you for your help and time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo confirmed to me that my savings account was closed over a year ago. Yesterday ( XX/XX/19 ), I received what I'm assuming was an automated account activity summary for activity on my account from XX/XX/2019. It listed a {$0.00} beginning monthly balance ( which would be correct, had I not closed the account months ago ), with a withdrawal and later deposit, both for {$2.00}. 

I am deeply concerned that Wells Fargo is continuing their prior practice of maintaining a ghost account with my name on it, and conducting minor deposits and withdrawals for the purposes of inflating their number of active accounts. 

I have the statement that was sent to me ( the only communication I've received since closing my accounts ), and can provide that if needed.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 confidentially under 15 USC 1681. 


1. ) Account Name # : XXXX XXXX / Account # : XXXX Reference # XXXX, {$8800.00} 2. ) Account Name : XXXXXXXX XXXX XXXX XXXX {$440.00}, Account # XXXX 3. ) Account Name : XXXX {$240.00}, Reference # XXXX XXXX Account # XXXX T

hese companies 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

I have already submitted several letters sent via certified mail to resolve these inaccuracies and received no proof or help of these accounts

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 2022-03-03
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with the accounts below. I have always made my payments on time. Ive contacted the bank about the issue & they agreed to mark it as paid as agreed -- - never late. I believe their records are wrong & Id like this matter handled ASAP. Please update the accounts immediately and remove negativity. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions 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 am contesting the information on my credit report that I believe is not correct. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and talked to them about this matter. They agreed to REPAIR and UPDATE my accounts to positive. So please update and correct my accounts right away. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: NC
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:
Applied for an apartment for which I was denied based on a credit reporting item on my credit profile. In reaching out to the rental source that obtained the information, it referred me to reach out to Experian. In reaching out to Experian experienced very rude representatives as well as the the information regarding the XXXX XXXX XXXX via the phone call to Experian was never addressed, nor was any information verified regarding the collections company or source for the item listed on my credit file for XXXX XXXX XXXX. In following up with the Consumer and initiating a complaint onXX/XX/XXXX it was responped back to CFPB that the collections item had been confirmed and verified and a letter had been sent to me regarding this. To date no letter has been sent to me to confirm the XXXX XXXX XXXX debt, nor has any collection service verified or sent any type of correspondence confirming the source of this debt. This is the second attempt to address this concern and to get it removed from my credit file, since no correspondence has been provided to me to confirm this debt as was advised to CFPB that this step was taken.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This credit card information is incorrect. It was not made by me Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card

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 2022-10-12
Company: EQUIFAX, 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 submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TH Professional & Medical Collections LTD
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: MI
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 keep asking XXXX, XXXX, Experian to provide proof of why or how they claim the collection agency is accurate. I keep asking for what they used to investigation the collection agency is accurate. No one can provide the information because it does NOT exist. The collection agency is lying and Manipulating the system. The keep sending a copy of the lease. But fail to abide by the XXXX district court judgment

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 2021-05-20
Company: R & B Corporation of Virginia
State: VA
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX  XXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXXXXXX .... Balance : {$5300.00}

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 2023-10-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX with account number 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 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. I have tried to resolve this issue with EXPERIAN, XXXX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.

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 2021-05-14
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I receive Social Security/SSI benefits. In XXXX of XXXX, the SS Admin. notified me that a bank account at BBVA ( and also USA Bank ) was opened in my name, and someone deposited $ XXXXSocial Security considers this to be my money and it is not. I did not open this account and I had no access to it. The money was apparently withdrawn, but the account was left open. I immediately notified BBVA, the FTC, the IRS, and the local Sheriff Dept. I was told by BBVA customer representative that the account was successfully reported as fraud, and frozen. The rep told me I would receive some documents via email for me to submit to verify my identity. I never did receive anything from BBVA until XXXX, XXXX, ONE YEAR LATER. The email came randomly and I was not expecting it. It was one week after I left urgent emails to the person handling my account, and I specifically asked her to send whatever documents were needed to resolve this to my P.O. Box! So I did not look for this email because it was totally random. The Social Security Administration began sending me notifications that the {$5000.00} means they have " over paid '' me, and they will now deduct {$95.00} each month from my benefits. Finally I made a very aggressive effort to contact the person handling the account by contacting local bank branches and demanding that I make direct contact with the person handling my account. She called me while I was on the phone with BBVA asking to speak to a supervisor so I dropped the call and finally, more than one year later made direct contact with the person handling my account. She told me a new " investigation '' has to be opened. I have submitted all the necessary documentation needed to verify my identity and to verify that I have reported this matter to law enforcement. I submitted two FTC complaints, one for the BBVA account, and one affidavit to the IRS for identity theft. I also provided the case number for the identity theft report from the local Sheriff 's Office. I have spent hours and hours and hours on the phone trying to resolve this issue with customer service reps. Countless times I have been forwarded to voice mail. Although it appears that BBVA has the documentation they need to close this account, I need verification that I can provide to Social Security that this is not my account. Social Security will begin deducting {$95.00} per month effective XX/XX/XXXX as a result of the neglect of BBVA to handle this case. BBVA has completely neglected to resolve this within a timely manner and now they are saying they need to conduct a " new investigation. '' I need to provide verification to Social Security immediately! There is no more time to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im a victim of identity theft. Someone used my information to medical care at XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting on my credit report that I owe for this fraudulent charge Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking over my report and I noticed some inquiries I dont recognize reporting on my report I have waited for a response for more than 30 days and still yet have not to here anything back please remove this inaccurate 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