BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion : The below are hard inquires on my Transunion report that are unauthorized. 

XXXX  XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 According to 15 USC 1681 Section 604A. States that a consumer reporting agency can not furnish an account without my written instruction. They have violated my rights.

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 2023-09-06
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my Equifax credit report are XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. 
The unauthorized and fraudulent inquiries appearing on my Equifax credit report are : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes in most cases sent me an automated email saying your investigation is complete. Meanwhile, the two other credit bureaus removed the fraudulent info but Equifax sent a robotic automated response refusing to do anything. This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable. 

Their actions are hurting me and my family massively. 

Claims/Disputes # with Equifax are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please make Equifax comply with the Fair Credit Reporting Act and remove all incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
Someone opened this account with my information. I have supplied Experian Credit Reporting with proof that it was fraud along with the police and FTC report. They have failed to remove it. I am a victim of fraud! The account is as follows : XXXX XXXX XXXX XXXX Account 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 2020-08-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, my name is XXXX XXXX, I am submitting a complaint with ERC Account # : XXXX ref # XXXX ( XXXX XXXX is Original creditor reporting on my credit report ). I called them to discuss a collection on my credit report and I had agreed over the phone to settle the account with the condition of them to REMOVE it from my credit report. Recently, I received a letter ( I have included ) and when I checked my credit report and score it still shows on my credit report. It not only shows on my credit report, but my credit SCORE has dropped almost XXXX points as a result of PAYING this account. I am very upset of this tactic of collection and them saying over one thing over the phone and doing something different once they received my payment. I believe this is unethical collections practices. This has caused extensive damage to my credit profile, I was qualifying to buy a home ( which is the reason I chose to pay this alleged debt ) and now this has greatly impacted my ability to do so, by drastically affecting my credit score. My score dropped from XXXX to XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX : XXXX DEPT OF EDUCATIONXXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I recently received an unsolicited US Bank reliacard prepaid debit card in the mail. I have not claimed government benefits nor did I sign up for one at work. There does not appear to be any way to contact the company directly to inquire how they received my information to open the account as I will not activate the card, therefore I have no account information to give their automated system. Nor do I trust the any of the information materials included with the unsolicited visa 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 non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX 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

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 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello it is now, XX/XX/XXXX and I still havent recovered my funds that were stolen and used as fraud back in XXXX of XXXX. I have not received any compensating check. This is absolutely ridiculous. Somebody has ahold of my identification and I and being held accountable for it. 

Ive given police reports, identity theft report. Letters, statements, supporting documents to help my case and prove I am innocent and nothing has been resolved I have been homeless because of all of this mess and its only getting worse. 

PLEASE HELP. 

I am getting ready to get an attorney, I can not wait anymore. I am XXXX on the street and Im only XXXX. 
I have medical problems to tend to and I can not because Bank of America is taking this like a joke. This is my life Please help

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 2020-08-09
Company: Paypal Holdings, Inc
State: CA
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:
On XX/XX/2020, I made a purchase through PayPal using my MasterCard Debit card. Upon checking the status of my order on XX/XX/2020 I discovered that the website used to make the purchase was used fraudulently and my order did not exist. I immediately reported it to PayPal and requested a refund of my purchase price on XX/XX/2020 and disputed the transaction as fraud. My dispute was denied and my account charged. The seller is not able to be reached and also does not exist, there was no proof of delivery and no tracking number issued. PayPal can not be reached by phone and I have continued to attempt to file disputes reporting the fraud. 
Transaction date : XX/XX/2020 Transaction ID : XXXX Order : XXXX Purchase amount : {$89.00} Purchase details : XXXX XXXX Seller info : XXXX Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had received a promotion mail promising that I would get 12 month of interest fee purchases and an XXXX XXXX from TD Bank for new credit card opening. I did get the XXXX XXXX, but the bank kept charging me additional interest for all new purchases. 

The disclosure was stated as follows APR for Balance Transfers : 0 % introductory APR for first 12 billing cycles after account opening. After that, 14.99 %, 19.99 % or 24.99 % based on your creditworthiness .If you take advantage of this offer and use your account to make new purchases, you can avoid paying interest on those new purchases if you pay the minimum payment due and the total outstanding purchases balance, including any fees that may have been assessed, by the payment due date shown on your monthly billing statement.. 

With the above statement, basically the the bank says, only if I do a balance transfer, I am eligible for new purchase credits for 12 months. As an average consumer, I did not understand that 'only If I do the balance transfers that my purchases will be waived for 12 months '. 

The language in the disclosure seems to have been made intentionally to confuse the average consumer. 

I had called customer service for TD bank, they refuse to refund my money, saying you signed the disclosure and there is nothing we can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 found inquiries on my credit report that do not belong to me

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 2023-09-22
Company: Experian Information Solutions 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:
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 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX 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 2023-09-22
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX THESE ACCOUNTS, IS NOT MINE C XXXX XXXX - XXXX XXXX - XXXX IS NOT MINE 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 2023-10-13
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:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2020-08-09
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:
After applying for a credit card and being denied I decided to review my credit and was devastated to learn that my identity has been compromised and used for things that I have no knowledge of. I am angry to have learned this and would like this resolved as soon as possible.

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 2020-08-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called XXXX, equifax, XXXX   in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
ln accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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.

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 2019-05-29
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CHOICE RECOVERY INC # XXXX I dispute this account I have never done any business with this company. Please forward me any and all documentation concerning this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following account # XXXX. please fill out and return the attached CREDITOR DISCLOSURE STATEMENT, or I can not take this account to be valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant anxiety and distress

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 2023-09-28
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:
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 of complying 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 failed 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 XXXX 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 2022-04-01
Company: CITIBANK, N.A.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I requested an XXXX XXXX Credit Card with Citi bank, I live in Hawaii, and on XX/XX/XXXX, I got a text message saying that there is suspicious activity in my account. So I checked my Citi bank app and there were different charges placed on Florida and the XXXX XXXX with a total of ( {$200.00} approx ). 
I called Citi Bank, they said they will start an investigation and they will send me a different credit card, well after what happened I felt so insecure that I decided to not activate the new credit card. 
On XX/XX/XXXX, I got the same text message saying that there was suspicious activity in my account, I called Citi Bank, the agent told me that there was an XXXX account that they did not disconnect from my previous card and the charges were placed thru the XXXX XXXX ( I don't have any XXXX products I use XXXX ). She said I did not have to worry and they will send me a new credit card, I asked to please close my account I was not interested in getting a new credit card after what happened twice. 
But on XX/XX/XXXX, I got a bank statement saying that I have a balance of {$490.00} Which I did not know how that happened if I did not have a pending balance after my first card and I never activated my second card. 
I sent an email and I called Citi bank again but since my account was closed they did not help me. 
I refuse to pay that balance because I did not use it, and again all those charges were placed in a different State. 

I have attached to screenshot of the text messages. 
Also a report of the day I closed my account and an email with a statement after that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief