BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint against my previous apartment complex, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, ), for unfairly reporting me to the credit bureau for a delinquency that I am not responsible for. I have made repeated attempts to resolve this matter directly with the company since XX/XX/, but they have been unresponsive and have failed to address my concerns. 

Details of the Issue The issue stems from " non-insurance compliance fees. '' that are being charged to my account and reported to the credit bureau as " 30 days late '' These fees are in direct violation of the terms stated in my rental agreement, which clearly states that I am not required to pay any additional fees if I maintain valid insurance coverage. 

Evidence : I have provided the company with copies of the following documentation to support my claim : - Copies of my insurance policy declarations page, showing coverage dates and compliance with the lease requirements. 
- Copies of all communication between me and the company regarding the disputed fees. 
- Copies of my rent payments demonstrating that I have consistently paid the agreed-upon rent amount minus the non-compliance fees. 

Despite this evidence, the company continues to charge and report these inaccurate fees, negatively impacting my credit score. 

Additional Concerns : - Unjustified Fees : The company is attempting to bypass my protest by converting or disguising the non-compliance fees as other types of fees, such as water, sewage, and utility charges. 
- Reporting to the Credit Bureau : The company has sent my account to the credit bureau for fees I do not legally owe, which is a violation of fair debt collection practices.

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 2023-02-22
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Late XXXX I was sent two 1099-INT forms in the mail by CITIBANK. XXXX 1099-INXXXX was valid for the savings account I have with them. The other 1099-INT was for an account I did not have. I called CITIBANK banking customer service line on XXXX  and spoke with 4 associates and one manager about this issue. I was informed that the account number listed on the extra 1099-INT form was not a valid account number. They also informed me that the interest earned amount of {$390.00} was not an amount on my actual savings account. They finally informed me that the description of " bank promotions '' was not something they recognized. They had no record on file of this 1099-INT form being created or mailed out- yet it was sent to the IRS with my social security and name associated with it. I explained that if the form was generated then it must exist somewhere. I was given a case number and told that this would be investigated by the " back office '' and I would have a resolution in a week. Today on XXXX I called the customer service line again to inquire on the status of this. The first time I was hung up on and the second time ( after threatening to file a complain here ) was left on an indefinite hold of 15+ minutes with no response. I am reluctant to file my taxes because I don't want to claim interest on money that I did not receive from CITIBANK and I also don't want the IRS auditing me for not reporting it. There has been no attempts from CITIBANK to help, explain or rectify this situation. I have asked to speak to managers, supervisors, or anyone in their tax department who might be able to help. I am denied and given the run around. This is not only an ethical violation, but bank fraud to claim they paid me interest on an account that doesn't exist with them

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 2023-02-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name and info was used to name me as a co-signer for student loans of which I am not responsible for. I submitted a dispute to Navient including a police report for identity theft and various other proof that shows the application was fraudulent. Navient states that identity theft did not play a role in the making of the loan which is clearly erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
full beauty comenity aka bread financial.

I had already submitted a compliant they responded but yet they sent a message thru to my full beauty  account they were suspending my account due to the previous issue then they decreased my credit limit by XXXX wth. they aren't doing what they said they were doing this us crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: NY
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:
I asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent XXXX or XXXX letter at this point cent via certified mail on XX/XX/XXXX, I have even called XXXX and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. 15 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, 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 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 non-monetary relief
Consumer complaint received 2022-12-25
Company: Metro Collection Service Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So basically I checked my XXXX XXXX to get financed for a car and I found someone used my SSN that was not me and caused {$5300.00} in debt this was not me I live in XXXX XXXX and I called the collection agency and they said this was a problem and I had to make a police report. Now Im here honestly just want to get my credit score back and take this debt off Im not responsible for this so I feel I should have to pay my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: MO
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:
Once again experian is closing disputes without resolving the issue. They give reasons that have absolutely nothing to do with the fact they stole 17 months of on time never late payments to XXXX and refuse to give them back

Company response to consumer: In progress
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
To Whom It May Concern : The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately reinvestigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : ending XXXX Reason : closed account NEVER HAD LATE PAYMENTS AND NOT COLLECTION ACCOUNT. 
Instruction : VERIFY CURRENT NON-COLLECTION ACCOUNT STATUS Furthermore, In Accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The creditors address and phone number.

3. The date you contacted the individual furnishers of information.

4. The date you contacted the individual furnishers of information and the description of the method used to verify the dispute.

I would like to know if the furnisher provided you with my SSN, address, or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I NEED THESE ACCOUNTS WITH INCORRECT INFORMATION THAT ARE NOT MINE TO BE DELETED

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 2023-06-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went back to review my credit report, and unfortunately, I still observe harmful entries that have not been rectified or deleted, much to my disappointment. According to the FCRA, I have the right to dispute and pursue appropriate legal remedies for any inaccurate or missing information in my report.

Company response to consumer: In progress
Consumer complaint received 2023-06-16
Company: CATHAY BANK
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX, I fell victim to a fraudulent XXXX company using XXXX XXXX XXXX to collect wire transfers. I am writing to your bank because the transactions were made from my Bank XXXX XXXX XXXX ) for a total amount of {$30000.00}. I have decided to contact you, who is the recipient of these transactions to carry out due investigation and apply due laws according to such transactions. 
Ill also like to indicate that these transactions were made under the influence of deceit and ignorance. It was never my intention to make transactions with scammers. This transaction made was influenced by the scammers. I am not a party to the contract and have not agreed to the transactions made in question, since no real service or investment was supplied to me by XXXX company via XXXX XXXX XXXX. I had to complain to you too as the recipient bank because I believe and also as stated in chargeback law that the recipient bank should be contacted in cases like this. If your bank could have known that this act could be a fraud, why are you without informing me or my bank it could be a fraud, whether there are any mechanisms to protect or check the recipient, or do transactions leave without any verification? Based on the above information, I still have doubts about the bank 's actions, because they had the authority to open this case and try to at least request funds from the fraudsters account. But it's also important to note that there are additional reasons why the bank should take the case. 
Firstly, because the transactions should be considered fraudulent because the amount was much to be deposited in such a period. Secondly, the transactions that were made are clearly fraudulent and should have been properly screened for fraudulent. I hoped to get help from you like any other customer who has the right to receive their money sent from a bank account to receive goods, services, or to pay for something. The wire transfer ID was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: VA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} Bankruptcy XXXX  XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Discharged XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/2023, XXXX illegally updated my credit score to show that I have a balance of {$390.00} which was false. 

1. I had a balance of {$0.00} 2. The creditor did not yet report my account for the current statement period but, the credit bureau, XXXX falsely came up with a number which dropped my score XXXX points. 

I contacted my creditor and I was told I had {$0.00} balance but, they're yet to report this score. Upon speaking with XXXX, they told me the amount was reported but this is false because I did not have any balance. They opened and investigation but, my score never went back up XXXX points not was the remark taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: HCFS Healthcare Financial Services of TeamHealth
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:
I Reached out to the company and sent out a cease and XXXX letter months ago and did not get any information back. I just want this Stuff off of my Credit Because it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief