BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have unauthorized inquiries on my consumer report. I didnt give these companies permission to check my credit. I dont know who gave them permission.I went to a car dealership with my own approval. They were informed that I had my own funding and i supplied them with my own approval letter. None of the listed companies had permissible purpose to check my reports. 

These are fraudulent. Also i have credit card inquiries that i did not authorize. The I called the credit reporting agencies last week and they refused to help me and told me to call the banks myself. As i understand Consumer reporting agencies have a duty to report 100 % accurate information and i am notifying you that you are reporting false information.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
...... 
This is hindering me from doing the things i am trying to do. 

The inquiries are : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; US XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ; XXXX & XXXX XXXX XXXX XXXX : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2015-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was trying to get direct deposit so bank of America can get there payment the payment did n't get set up in time so I all bank of America I spoke to one of the customer service representative I was told she would n't she could n't accept my payment but could accept my late fee which was XXXX dollar so from then on my account was late account was behind so far it is hard for me to catch so since then I have been making my payment so they told me they would wave all my late fee and for me to start paying XXXX a month to get caught by they are not fair and they tell you one thing and do something totally different so my credit is mess up so therefore they are giving me bad credit. please investigate this for me please Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX XXXX  Bankruptcy, 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

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 2019-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, 2019 I logged into my EXPERIAN account to unlock my 800+ credit report so I could complete a home improvement purchase. When I got into my account and clicked on unlock report, it did unlock, and then I saw there was a FREEZE on it also. I do not understand what or why that was there. Then I tried to UNfreeze my report and when it asked me for a pin # which I could not find and when I clicked I did not have it, the page said I need to WRITE by MAIL to them to unfreeze. That is and will be unacceptable to me. Again I had a business transaction going in my home and this outfit is " holding me up ''. I then tried to call a real human to get assistance and I tried a couple of numbers and got an identical robo voice with no assistance. The next day I tried to login and wow, I would use my username and password and get onto their site and the only page that would show was one wanting my credit card for {$19.00} a month. 
That made me contact you. Now I feel as thought I am being EXTORTED for money to unfreeze my report. And, please recall that these LOCKs etc. were suggested by these credit outfits because they got hacked and released personal information. What I want is my report unfrozen and to never have this happen to anyone else again. Please fix!

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 2022-12-20
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
With a good credit score of XXXX, I applied for XXXX XXXX XXXX XXXX XXXX " XXXX XXXX '' balance transfer card with the intention of using its advertised balance transfer feature. 

The card is advertised at this URL : XXXX : XXXX? XXXX & XXXX From that link you can see the boxes that I filled out : they include basic demographic information, XXXX, annual income, and a box that says " I'm interested in a balance transfer '' - which I selected. 

Radio silence for a few weeks with no emails in my inbox. I called to check on my application after a week and it was still pending. A week later, I called and was told that my card had just been mailed to me with a {$600.00} credit limit. Surprised, I asked what happened to the balance transfer - I was expecting that to be defined before the card application was complete. From a perspective of common sense, {$600.00} is not a reasonable amount for any conceivable balance transfer. I am left to think that there is a missing field on the form, and my application was processed carelessly or negligently. 

When I called, they told me they were unsure about what I could do about the balance transfer, but that I could request a higher balance, which would be yet another hard pull on my credit. Over the phone, I consented to another hard pull on my credit to increase the balance limit to something that would be reasonably useful for the advertised balance transfer feature. Just now, I called back and have been told I was declined because my account hasn't been active for 6 months yet. This obviously makes the balance transfer unusable, since only 18 months are held at 0 % APR. Consequently, I have been forced to close the card having never even activated it. 

I have no idea how these two hard pulls on my credit - one resulting in a decline- have affected my XXXX score. I feel like this whole interaction has been disastrous. Emails from XXXX XXXX XXXX come into my Spam inbox under the generic name " cardholder services '', and the underwriting phone support, when I have called, have not budged beyond their stock justifications for the likely erroneous {$600.00} credit limit.

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 2022-07-22
Company: Credit Service International Corp
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT SERVICE INTL CORP is claiming that I owe {$1300.00} to a company called XXXX XXXX. I have attempted to have the debt verified but have been unable to. I have disputed with credit reporting agencies but this company is claiming the debt is legitimate. I have not purchased anything from XXXX XXXX, never had any sort of credit through them and certainly never agreed to any sort of account, payments or money due as they're claiming.

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 2022-07-22
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Received a letter from XXXX, XXXX stating that I owe a XXXX debt. Letter came on XX/XX/2022. 
2. Called company right away and they said I did owe the debt and they would not explain any of it to me. Also, I asked for proof of the debt and was told that was in the letter ( it is not ). 
3. Told company that I NEVER had a Pay in 4 account EVER. They stated that I was still responsible for the {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NordstromTDBank open in XXXX my Identity was taken and chargers were made. I called in to report, creditor stopped chargers being made and a couple of weeks later it was reopened when the thieves called in pretending they were me in which it wasn't me but they had my personal info. Police report was given at the time of the call the first call. They

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/2020, I reported a fraudulent charge to Chase on my credit card, ( XXXX Chase Freedom Unlimited ), in the amount of {$150.00}. 

On XX/XX/2020 I received a letter in my Chase account, stating that I " received a benefit from this transaction '' and that I can see the balance on my statement for the fraudulent charge on my account in the next one or two billing cycles. 

On XX/XX/2020, after receiving the letter from Chase, I contacted the company ( XXXX ) to which the charge was made. A representative from XXXX informed me that they refunded the amount charged to my card ( email attached ). However, my credit card statement still shows the {$150.00} charge. 

On XX/XX/2020, after trying to go through Chase Fraud Recovery services, I received a subsequent letter stating that they confirmed the charges were " valid ''.

I'd like to speak to someone regarding this as 1 ) the letters received do not detail why Chase thinks I received a benefit ( I did not, as the charge was fraudulent and I did not make it ), and 2 ) the process of appealing the findings of the investigation. 

When I found out ( the day of the charge ) that there was a fraudulent charge on my account, I immediately reported it to Chase. I am stunned at the letter/disposition I received. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitting this CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. These are the item I am expecting you to remove from my Credit File : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive requested proof via mail and online of a judgement that was attached to my name on XX/XX/XXXX. I also submitted these papers as I was a victim of identity theft. 

Report Number : XXXX Date Generated : XX/XX/XXXX In their investigation they advised : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details '' 1. The Company? The company Experian is referring to is XXXX XXXX. Im not sure why this information isnt stated in the results of their " investigation '' but this is important information for consumers to know who is reporting these type of fraudulent claims. 

2. Experian did not provide any documentation that would solidify that this information is accurate. Proof should be provided and not just a broad statement that what was reported is inaccurate. What is accurate? 

XXXX. When I reached out to said company regarding the release of inaccurate information I was advised via mail at my address which is on file with EXPERIAN which included my name that I could not be located in their system. 

Experian is falsely reporting inaccurate information and anything tied to this judgement should be removed immediately. 

Experian should provide valid documentation to me as the consumer on how this information was validate for accuracy if I am not in XXXX XXXX database.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2022-07-22
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:
I recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Filed a complaint with Aidvantage last month and with XXXX before then. Still have not received any information regarding my account or loan refund request. I requested a refund of a student loan payment from XXXX back in XXXX of this year. I requested a refund of my last payment that was made on XX/XX/2020, for the amount of {$21000.00}. I didn't hear anything back. I called back 2 months later and found out that my account had been transferred to Aidvantage. 

So I called Aidvantage and they did not have my account info. They said that it would be available " mid XXXX ''. XXXX XXXX has since passed and I still can not create an account with Aidvantage or get any information about my payment refund request, or my account at all. They lied several times and switched up the story each time I called and gave me conflicting information about dates. 

In general I received no notification at all from Aidvantage letting me know that they are taking over my account, and when calling them they have no info. Not a letter, not an email ( I checked spam folders, etc ), not a text message... nothing. I also have not received any notice or communication from XXXX that they were even transferred to Aidvantage. Calling these companies is the only way to find out info. That has to be illegal. Corporations are working behind the scenes without giving any knowledge of my account or where my information is being moved to. I filed previous complaints and made dozens of calls with both companies with no success.

Company response to consumer: Closed with explanation