BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: MA
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 writing to bring to your attention a matter of concern regarding inaccurate information on my credit report provided by Experian. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies in my credit report. Despite the lapse of time, I have not received any response from Experian. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the inaccurate information and required corrections are as follows : 1. Account with XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Please remove this account from my credit report as it does not belong to me. 

2. Account with XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$430.00} Please remove this account from my credit report as it does not belong to me. 

3. Account with XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Please remove this account from my credit report as it does not belong to me. 

4. Account with XXXX XXXX ( never late ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Please correct/update this inaccurate information on my credit report as the account was never late. 

5. Account with XXXX XXXX XXXX ( never late ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$25000.00} Please correct/update this inaccurate information on my credit report as the account was never late. 

6. Account with XXXX XXXX ( never late ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please correct/update this inaccurate information on my credit report as the account was never late.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several inaccurate late payments on my consumer report. I am demanding that these companies show me concrete proof that I was ever late on any account by sending my the accounting records of each following account number. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681i I am also requesting the procedure you used to " verify '' these inaccurate late payments.

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 2023-11-29
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: Information belongs to someone else

Complaint:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 explanation
Consumer complaint received 2023-03-09
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I would like to report inconsistencies with my account. I have been double charged it seems and funds go missing out of my account without any proof of the transaction. I have been charged overdraft fees twice and random deposits of money have been placed in my account multiple times

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 2024-01-02
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-11-11
Company: PNC Bank N.A.
State: MD
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 XX/XX/2019 an automated charge for {$390.00} was placed on my PNC credit card which was erroneous and not authorized and requested the bacnk reverse the charge back to the vendor. PNC said the matter should be worked out with the vedor and I advised them that I did not have any contact with the vendor regarding the charge and ask then to reverse it. They refused to reverse the charge and subsequently reported the past due payment as delinquent and charged it off on their records earlier this year. As the charge was erroneous and not authorized I am asking they remove the delinquency status for the account along with the reported charge off that has been reported to the credit bereaus as unpaid as they should have never allowed the charge to being with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open my business account with BMO bank, and I deposited a business check back to XX/XX/XXXX and they freeze my account from XX/XX/XXXX and that ruin my business I cant pay my suppliers. I cant access to my money

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 2023-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 been a victim of identity theft. The information being reported is not in any relation to any transaction conducted by myself.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} WHILE TRYING TO PURCHASE MY FIRST HOME I REALIZED I HAD DAMAGES ON MY CREDIT REPORT. ACCORDING TO THE 15 U.S.C. 1681 LAW, THERE SHOULD NOT BE ANY DAMAGES ON MY CREDIT REPORT. IT IS A DEFAMATION OF CHARACTER.

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 2023-11-12
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:
Child Support should not be on my credit report. XXXX, XXXX, and Experian sent a notice to child support enforcement/OAG over 20 years ago stating that it is unlawful for Child Support to be on my credit report. This has been unlawful for over 20 years. This did not start from a credit transaction.

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 2022-02-17
Company: Rausch Sturm LLP
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022, I was served what looked like to be legal, country documents for wage garnishment. This XXXX XXXX debt collector must have one a previous judgement vs. me. The County documents have no seal of authenticity or filing dates in my county. They have the name of my employer and myself as defendant and garnishee. Not only do I not make enough money to meet the legal requirements for garnishment, I see no date where it was even filed in court. They are using County documents as a scare tactic.

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 2023-11-12
Company: Experian Information Solutions Inc.
State: FL
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:
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.

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 explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed certain items that have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. Regrettably, I've become a victim of identity theft, compelling me to take action to report this incident.

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 2023-01-11
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just received an email stating that my credit was changed to my experience credit report so when I logged into my account it say something about a discover or XXXX credit card now look I worked hard to get my credit where its at I know XXXX well I didnt try to open an account now my XXXX XXXX is going to change because somebody wants to be a thief and use my information this needs to stop and stop fast because its people like me that came from the struggle started to make my way up to the top then for somebody to prey on you like this Im tryna buy a house not stay in debt I been in debt majority of my life please help me figure this out please I dont want to go backwards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Receivables Management Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter one XX/XX/23. This was delivered via certified mail USPS on XX/XX/23 at XXXX. I have not received any communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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:
this account XXXX  XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: UMB FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a XXXX spending account card issued by UMB Bank, N.A. The monthly spending limit on transit ticket purchase is {$250.00} dollars. On XX/XX/XXXX, I used the Visa Debit card to make two purchases of {$90.00} each, both transactions went through and processed on XX/XX/18 ( see statement ) ; on XX/XX/XXXX, I tried to make the purchase of {$75.00} dollar, the transaction was denied, the message on the MTA vending machine was '' transaction denied, contact the card issuer ''. I called the card issuer and reported the problem, the customer representative told me that the transaction didn't go through and asked me to wait 7 days and they sent me an email to confirm it on XX/XX/18. After 7 days, on XX/XX/18, I tried to make the purchase of {$75.00} dollar, transaction was denied, same message came up, so I call the card issuer again reported the same problem, the customer representative set up a case and told me they need 2-3 business days to resolve, so I waited another 3 days, tried to make a purchase on XX/XX/18 and XX/XX/18, the problem still remained, so I called again, they asked me to wait another 3 business days to investigate. they already see my account have balance of {$200.00}, and I still have {$75.00} dollars to reach my monthly limit of {$250.00}, no one can help me solve the problem, I even requested to speak to a supervisor, the problem remained. As the timing is critical on these kind of account, if I don't use the funds within a month, I will lose it, because next month I will have another contribution of {$250.00} to use. They should provide a credit {$75.00} to my account for me to use within XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One has NOT provided any meaningful response. I challenged XXXX XXXX unauthorized credit card charges on my Capital One credit card account by disputing the charges and requesting verification documents ( invoice ) from the creditor, XXXX. I never received a product or service from XXXX. There are no documents that exist for this transaction, other than the charges on my Capital One account. Furthermore, there is no cancellation or return policy that is relevant here.Capital One needs to credit my account for {$210.00}.

Company response to consumer: Closed with explanation