BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

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 2023-10-03
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company provided on here only a bill after a full validation was requested. I submitted a letter back to them indicating that they did not provide all the requested validation information 's as required. I still have not received the proper validation and rather only a bill that was attached to a complaint on here. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

All of this information was requested by them and they failed to provide it.

They failed to obtain and send verification of the alleged debt by not mailing me the contact, instead of sending me a signed contact or agreement signed by all parties involved as requested, you mailed me a Final Bill and Account Ledger NOT a contact or agreement and are non-responsive to my validation request. Under the FDCPA, it is unfair and unconscionable to attempt to collect a debt in any amount that is not expressly authorized by agreement creating a debt permitted by law. 


They have failed to provide a valid basis for the calming I am required to pay the alleged amount owed. Additionally, you have failed to provide details about the age and amount of the debt ; a detailed explanation of any interest added and the legal authorization for this interest ; the date the original creditor claims it became delinquent. And whether this debt is within the statute of limitation and how that was determined. 

They failed to provide any details on your authority to collect this debt that was requested : whether you are licensed in my state and if so ; provide the date and license name on the license and license number along with the address and telephone number of the sate agency issuing the license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the TransUnion XXXX XXXX credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


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 2022-06-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 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 2022-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Someone ran my credit without my permission and dropped my score XXXX points!! 
XXXX, XXXX, and Experian I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...

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 2022-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
I am writing to complain about claims I made with bank of America regarding the total amount of {$9700.00} charged to my debit card on various dates. These charges were made after I lost my Bank Of America debit card back in XX/XX/2021.. Below are the unrecognized charges that occurred on XX/XX/XXXX : XXXX : {$150.00} ( XX/XX/2021 ) XXXX  : {$20.00} ( XX/XX/2021 ) XXXX  : {$170.00} ( XX/XX/2021 ) XXXX  : {$1700.00} ( XX/XX/2021 ) XXXX  : {$7600.00} ( XX/XX/2021 ) I received a call from Bank of America XXXX XX/XX/XXXX, to confirm some changes made on my card, and as the agent was going through them I was not recognizing any of the charges. 

The BOA agent opened a claim that day and canceled my lost debit card and ordered a new one for me. He also told me that a couple of charges was being made with my card for a total amount of {$9700.00}. But he will open a case and that my money will be reimbursed while investigations are being conducted. 

I will like to reiterate that I have not initiated the above-said transaction made on XX/XX/2021. However, the original claim I made, had a mistake on one of the unauthorized transactions. Hence, I would like to file a new claim on the unauthorized transaction from XXXX and XXXX only, as I could not recall the exact date where I entered my pin at XXXX. 

I am appealing to Bank Of America to reconsider their decision and to keep their promises of paying me all that money back while they are still pursuing their investigations. Also, you have all the recordings of my communication with your co-workers to verify the veracity of my claims. 

I have tried XXXX attempts to solve this problem with Bank Of America in vain, instead of solving the issue they closed all my account related to them without telling me the reason. 

Hope to hear good news from you as soon as possible because I am relatively irritated and frustrated about this ordeal.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Inaccurate information is being reported on this account.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) I was notified in writing within 5 business days. This account is in violation XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX- Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY! 
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 2022-04-21
Company: EQUIFAX, 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:
Someone ran my credit without my permission and dropped my score XXXX points!! 
Equifax, XXXX, and XXXX I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX received notice of property tax delinquency. Mortgage company did not pay my winter taxes for XXXX from my escrow account. Phones and emails have not resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: RockLoans Holdings LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Received a loan you didn't apply for

Complaint:
I was a victim of cyber fraud starting XX/XX/XXXX. Criminals hacked my checking and savings accounts and stole all assets. By the time I discovered what was going on, I immediately contacted my bank ( XXXX XXXX ), debit and credit cards and filed a case of fraud with all of them. Accounts were frozen and I was issued new account numbers, checks, and cards. Also reported fraud to credit reporting bureaus and blocked my information. Also reported fraud to the XXXX Police Dept, FTC, and XXXX XXXXXXXX XXXX XXXX. When I discovered the damage I noticed that the fraudsters applied for loans to add to my checking account I'm sure to replenish the money in my checking account in an effort to steal even more, they applied for loans with Rocket Loans, XXXX XXXX, and XXXX XXXX. The latter two companies denied the loans after doing due diligence by making sure I applied for the loans which I DID NOT. Rocket Loans, the loan company about which I am filing this complaint, did not do the required due diligence. They notified me that " a one-time payment of {$7000.00} was authorized ( NOT BY ME ) on XXXX XXXX, XXXX. I was stuck with paying off this loan as I don't have the resources to hire a lawyer to fight this corrupt loan company and did not want to risk further ruining my formerly very high credit score. I paid the amount in full with a check which I mailed on XXXX XXXX, XXXX. 

I would like my money back since this company granted this loan without my authorization. They are responsible for dumping this money into my checking account and charging high interest rates to be paid for this unauthorized loan. However, I've had little help from the bank and the reporting agencies mainly because I had little information on the individuals that did this to me. 

At the very least I want this company publicly reported so that others will be aware of their unlawful, predatory practices against vulnerable and unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo refused to approve my credit card application after it was proven by a representative that I shouldve been approved but they still denied it

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 2023-09-12
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received an email solicitation from Citibank, with Invitation Code : XXXX, to open a Citi Accelerate Online Savings Account and receive a bonus if deposit minimums were met for a period of time. 

On XX/XX/XXXX I followed through with the Citibank email offer and opened a a Citi Accelerate Online Savings Account. 

I also deposited new-to-Citibank funds in the amount of $ XXXX into that account and kept that amount in that account for the period of time to meet the bonus requirements, which was, make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional XXXX consecutive days. 

On XX/XX/XXXX I called Citibank looking for my {$450.00} bonus that was overdue and was informed after filing a dispute, that I was not eligible for the bonus due to my account type. 

I do not agree with their decision since I followed their solicitation to open the account under the promotion that they presented to me. 


Parts of the Citibank email to me contain verbiage similar to the below : " As a cardmember, you can save fast and open a Citi Accelerate Online Savings Account with easy signup. 

Citi Logo XXXX XXXX XXXX since : XXXX | Account ending in : XXXX Citi XXXX XXXX XXXX Earn up to a {$450.00} bonus* plus grow your savings with a 3.85 % annual percentage yield* XXXX  as a Citi cardmember XXXX you already get benefits like acceptance at over XXXX XXXX locations and {$0.00} Liability on unauthorized charges. Now you can grow your savings fast with this special offer too. Reach your savings goals fast with a Citi Accelerate Online Savings Account. Earn a cash bonus of up to {$450.00} after completing required activities + Grow your savings with a XXXX XXXX annual percentage yield* Save at XXXX the national average rate when you open a Citi Accelerate Online Savings Account - there's no initial minimum deposit required to get started. 

As a loyal Citi cardmember, you can earn a {$150.00} or {$450.00} bonus with this offer. Make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional XXXX consecutive days. 

Minimum Deposit & Minimum Balance Cash Bonus {$20000.00} - {$49000.00} {$150.00} {$50000.00} or more {$450.00} Your Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. 

Best of all, it's never been easier to get started open an account online with easy signup. 

Apply Now *See Terms and Conditions Invitation Code : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit reporting agency is mixing up mortgage loan with the credit card limit and showing the debt to credit ratio of 289 %, whereas the mortgage of {$420000.00} ( refinanced on XX/XX/2020 ) owed to XXXX XXXX is on a house that was recently appraised at $ XXXX. We owe a total of about $ XXXX on three credit cards with a total credit limit of $ XXXX as follows : XXXX XXXX - Credit Limit $ XXXX, balance {$0.00} ; XXXX XXXX XXXX limit $ XXXX balance {$0.00} dollars. XXXX XXXX XXXX credit limit $ XXXX, balance $ XXXX. Attached is the Experian 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 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am writing to formally dispute and request a thorough investigation into the account information related to the alleged fraudulent account, which Capital One claims to be mine. I believe that Capital One 's actions in this matter are in violation of federal laws, including 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). I am seeking resolution and clarification regarding the following matters :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CITIBANK, N.A.
State: GA
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:
These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I disputed them and they remain on 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 explanation