BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
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: Information belongs to someone else

Complaint:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX  XXXX {$4200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX {$400.00} 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 explanation
Consumer complaint received 2023-12-08
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I had submitted a dispute to transunion and upon transunion investigation the results came back accurate today ( XX/XX/2023 ). How can the results be accurate? When my whole payment history is missing on my XXXX XXXX XXXX. account on my credit report especially when this account is a Charged off account. But Transunion has put it as a satisfactory account which it is not. Transunion have not done a THOROUGH INVESTIGATION and Transunion have not contacted XXXX XXXX XXXXabout this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a check was deposited into my account. It cleared the sender 's account on XX/XX/XXXX. The bank has not deposited the money into my account and is telling me that they will hold the money until XX/XX/XXXX. It is not XX/XX/XXXX and I have spoken to XXXX people at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Block, Inc.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX my brother needed an airline ticket and had funds in his friend 's account his friend gave him his debit card number he funded my dad 's cash app account with {$230.00} to buy an airline ticket my dad sent the {$230.00} to me and I bought the ticket from XXXX XXXX return XXXX a lot and now 4 months later my brother 's friend files a dispute with his bank about the money that went to cash app my dad 's account when my dad 's account did not have any money in it with that dispute they saw that the money went to me to my cash app account and they took the money from my cash app account but they could also see that the money went straight from my account straight to XXXX XXXX we've called them and asked them about it and they always tell us is that we can't answer questions about that and hang up on us my dad never filed a dispute like it says on my messaging from cash app saying that XXXX XXXX filed the dispute on this charge he did not file a dispute he does not have an account with XXXX he only banks with XXXXXXXX XXXX cash app is telling him he needs to call his bank and find out what's going on his bank don't know nothing about it as I said he banks with XXXXXXXX XXXX XXXX will not talk to him because he does not have an account there they zapped my account for {$100.00} and they tried doing it again for {$130.00} when they couldn't get it out of my cash app they went to my chime account and try to get it out of my XXXX account with no warning no nothing just a text message seconds before they took money out of my account and how can they use my dad 's name saying that he filed a dispute when he did not he knew nothing about it that's another thing of fraud I just want my money back from cash app that they took to begin with my brother had all the permission in the world to access that account the gentleman gave him the debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had purchased 2 tickets to a music festival called XXXX on XX/XX/XXXX for a total of {$720.00}. The festival was cancelled as of XX/XX/XXXX and was told to reach out to the point of purchase for a refund. I contacted the ticketing agency, XXXX, who stated that I would need to reach out to the merchant themselves, XXXX XXXX, XXXX. I attempted to email them and contact them by phone number that was provided but have received no response. I reached out to Capital One who stated that because it was past the 60 days, they were unable to move forward with the process. At this point, there have been multiple news articles related to the fraudulent festival and others that have worked with their credit card companies to have funds returned to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-13
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a cosignor on my ex wifes student loan. I have been eligible for cosignor release for many years. We are not in contact and she refuses to sign the paperwork. The servicer will not release me without signature from my exwife. This was not int the contract and i believe it is just a way to for the bank/servicer to keep me attached to this loan. I have requested in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The current sercicer is XXXX/ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
Dear Sir/Madam, I am writing to dispute fraudulent accounts that have appeared on my credit reports from XXXX, Experian, and XXXX. The accounts in question are associated with XXXX  XXXX and XXXX XXXX, and they were opened without my knowledge or consent. 

XXXX. XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX - XXXX As a victim of identity theft, I am deeply concerned about the impact that these fraudulent accounts will have on my credit score and my ability to obtain credit in the future. I am writing to request that these accounts be deleted from my credit reports immediately, and that any associated negative marks or comments be removed as well.

I have taken all necessary steps to protect myself from identity theft, including notifying the Federal Trade Commission. I have also contacted XXXX  XXXX and XXXX XXXX directly to inform them of the fraudulent accounts and request that they be closed. 

I understand that as a consumer, I have certain rights under the Fair Credit Reporting Act ( FCRA ). These rights include the right to dispute inaccurate or fraudulent information on my credit reports, and the right to have that information corrected or removed. 

I urge you to take swift action to remove these fraudulent accounts from my credit reports, and to take steps to prevent similar incidents from occurring in the future. I have attached copies of relevant documentation to support my claim. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2022-11-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX fraudulently submitted two charges to Citi XXXX for scam cash advances, although I had no XXXX account and have never, ever, made a cash transfer on line. Citibank added {$200.00} in fees and interest for the two non-existent cash advances. After several telephone calls, Citi Customer Service removed the charges ( XXXX x {$1900.00} ) AND the {$200.00} in fees and interest, BUT the fees and interest keep reappearing on my Citi credit card bill. All those reachable at Citi by telephone, in XXXX, are consistent only in stating that I have reached the wrong department, whether Customer Service, '' " Fraud, '' or " Security. '' Each of those departments say one or both of the other two should take care of the matter. Transfers to " technical support '' mostly result in recordings to call back at " normal business hours '' even when the attempted transfer by Customer Service was is well-within the Citi business day. You are then disconnected. The one time I got through, the rep listened in silence and then hung-up. Citi seems to have no way for customers to get errors in billing by Citi permanently corrected. The bill for XX/XX/2022, billed the same {$200.00} for a cash advance in XXXX even though the bill shows no such cash advance. This amount, identical to the former, removed, fee and interest changes, is, presumably, the Citi computers trying to get the amounts removed by Customer Service. The " dispute '' record on line claims that Citi has never issued any credit for the XX/XX/XXXX and XXXX, 2022 XXXX fraud, which is also false. 

XXXX, whose " security department '' informed me on XX/XX/XXXX, XXXX, the " cash advances '' were a " known scam, keeps sending what it imagines are threatening emails. I forward the emails to XXXX security and will never pay them a cent.

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 2023-12-07
Company: 2288984 Ontario Inc.
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am getting multiple stories on the customary fee, I even received an email stating that i am not charged a customary fee, but it's 260 % interest. I need to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Cascade CISS Holdings, LLC
State: GA
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:
Contacted the companies on XXXX to get inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not know how Penn Credit Corporation obtained my information. I've never resided in Pennsylvania and I have attempted to identify the breach of my information. I have also challenged this derogatory with the credit bureau 's who validated the debt without investing at all, rendering a verdict within days ( Report NumberXXXX Date generatedXX/XX/2020). According to FCRA I am entitled to due process in reference to Pennsylvania law should not reflect due to statue of limitations. I've never received literature to upload on this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-12-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
FDPCA ALL INFO ON MY CREDIT REPORT MUST BE ACCURATE.

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 2020-09-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-01-09
Company: DISCOVER BANK
State: SC
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:
discover financial is constantly reporting incorrect information to my credit file. they are trying to ruin my credit because i am an XXXX american. they have XXXX  fraud protection agents that constantly call my phone and refuse to identify themselves. i have asked them to remove this account and they refuse. I am going to hire A lawyer and sue the company. Please remove this account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
***Please see attached letter and full timeline and dates of correspondence with USAA . 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX, D.C. XXXX Dear Sir or Madam : I am writing to request your assistance in resolving a missing deposit with USAA Federal Savings Bank. We have attempted without avail to locate {$620.00} of EFT/ACH transfers that were sent by another institution and failed to credit to our account. USAA acknowledges the transactions and yet our accounts have not been credited the money. We have exhausted all opportunities to resolve this matter with each institution and as of XX/XX/2018 have yet to see the money. After nearly 30 days of extensive communication and efforts neither bank is willing to address our concerns or escalate our concerns internally. Furthermore, internet research has revealed that our experience regarding USAAs obfuscation and denials of requests for assistance ( despite clear evidence that USAA was at fault ) is not unique to us. There are numerous instances of similar experiences occurring to others. Based upon our experience, it is also likely that there may be similar situations in which customers have no idea that USAA has simply kept their money without depositing it into their accounts. Therefore, we request the following : 1 ) Assistance in returning {$620.00} owed to us by USAA ; 2 ) Initiate an investigation of USAAs electronic banking practices to address the broader systemic problem of failure to provide clients with timely access to their funds ; and 3 ) Levy fine fines upon USAA that are significant enough to deter USAA from creating similar situations/problems in the future.

We have spent an extensive number of hours with both banking institutions support teams attempting to facilitate remediation and we requested escalation of the matter. We attempted to obtain the name and address of an appropriate level of management and/or a compliance officer to express our concerns in writing. USAA was unwilling to provide this information. In fact, they indicated they would charge us a research fee of {$50.00} per hour to further research the matter of our missing deposits. I have attached a timeline of events for your review.

We appreciate your assistance in resolving this matter and for proactively insuring that others do not have a similar experience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to address the unresolved matter regarding previous CFPB complaints numbered XXXX and XXXX. Despite previous instructions provided by the consumer, your consumer reporting agency has not complied accordingly. 

I have reported identity theft against me and have attached the corresponding report for your reference. It is imperative that the inaccuracies in my consumer report be rectified immediately to reflect the accurate restricted information. 

Failure to correct these errors promptly may result in further legal action due to continued reporting of restricted information without correction. 

I kindly request your urgent attention to this matter and prompt action to rectify the discrepancies in my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-19
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to get this deleted and removed from my credit report, because this is in my belief is a form a double billing. This is and XXXX visit where I have dual insurance that paid in full the hospital. I am not responsible to paid the doctor separately who was employed by the hospital at that time, not as I informed that it would be a separate charge. Now the hospital have shared my records and billing to an 3rd party. I did not authorize them to share any of medical information to anyone which I believe it falls under the Hipaa law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation