BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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 request to teh Credit Bureaus once again, to remove the disputed accouts completely from my Cedit File. I received a copy of my updated Credit Report and I immediately noticed that some of the disputed accounts were removed from my Credit File and I als onoticed that there are still accounts that remained and are still reporting on my Credit File. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I appreciate the immediate action of the Credit Bureaus and I am very grateful for their efforts. However, I am in need for the removal of the remaining accounts that should also be removed from my Credit File. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Here is the list of accounts that should be immediately removed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from XXXX  data breach in XX/XX/XXXX  where my information was compromised.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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.

has violated my rights. Or a list of inquiries : 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 2023-08-31
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Last XX/XX/2022, I applied for the U.S. Bank promo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have called U.S. Bank twice without a resolution. 

U.S. Bank indicated that I did not get the bonus because it coded as Q3... I doubled and tripled check my application that it was the correct code. Now its my word vs. what the system coded. I assisted my husband and daughter ( I literally filled out the application ) for the same promo. Their bonus posted and mine didnt. 

Please take note of my application date. Thats in Q4. How can the system code it as Q3? 

I told U.S. Bank that I wanted to escalate this and they provided me a snail mail address for their Complaint Department. I decided to revisit this issue after it was suggested that I email you for assistance. 

Thanks for looking into this.

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
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$0.00}

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of XXXX XXXXXXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in XXXX  ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of 640+, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over 4 years old, mine is 8 years ( husband was on bankruptcy ). Debt to income should be over be under 36 mine is under 34. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. XXXXXXXX XXXX ( also XXXX XXXX  ) is the servicing bank for numerous lending institutions, when XXXX XXXX  denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the one XXXX XXXX didn't remove and is inactive ), XXXX sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is my age XXXX, I am healthy, active and have all my facilities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I know nothing about this debt I may be a victim of identity theft. My information was compromised due to XXXX being Hacked. 
World Finance Experian won't listen to the facts they keep ignoring my attempts to dispute them. They are breaking the law according to Fair Debt Collection Practices Act,, 15 USC 1692g Sec. 809 ( b ) their claim is disputed and they are not supposed to report inaccurate information. 
Experian is instrumental in Continuing to Report inaccurate information US AUTO FINANCE NON RESPONSE EXPERIAN NON RESPONSE WORLD FINANCE NON RESPONSE

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 2023-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, during the hours of XXXX and XXXX I went to the XXXX XXXX XXXX to utilized the ATM which is owned by the Citizens Bank XXXX I am also a member of the Citizen 's Bank for over 19 years. I attempted to retrieved {$600.00} from the ATM. During my transaction, the ATM machine screen went black and shut down and attempted to restart itself, however the screen remain black/blank. I did not get any money or a receipt. 

I attempted to call the customer service and the automation phone service stated it would be a 20 minutes wait before someone could help me. I was on my lunch hour so I ran to the nearest Citizens Bank which is in the XXXX XXXX XXXX  XXXX. I explained to the Teller what had happened, the Teller informed me that it showed that the money was withdrawn, however, the machine is attached to their branch/bank so they can not help me. 

I was still on hold while seeking in person assistance with the XXXX XXXX XXXX. The customer service representative on the phone stated I should file a claim which I did over the phone. On XX/XX/XXXX, there was a deposit of {$600.00} into my account and was immediately withdrawn by Citizens. I went on vacation on XX/XX/XXXX. I came back a week later and there was no deposit of my money in the account. I went to the XXXX XXXX branch to seek assistance and I was told there was no error with the ATM and that is why the money was withdrawn immediately after they ( Citizens ) deposited it on XX/XX/XXXX. I have been calling Citizens bank since XX/XX/XXXX trying to resolve this matter, I have been treated unfairly, again I have had this account for over 19 years. I am now seeking your assistance in getting my money back. I have tried asking the bank for the ATM video and computerized transaction for the week. I was told, I needed a subpoena. Attached, please find a photo of the ATM machine and my police report. Please help me get my money back. I am a homeowner, a husband of XXXX XXXX XXXX I can not afford to lose this amount of any amount of money. I need this matter resolve and I feel your office is the only one who can assist me in resolving this matter. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved and canceled service with XXXX on XX/XX/XXXXXXXX XXXX XXXX I have the emails that I sent and received regarding the cancellation. I then called repeatedly every single month when the continued to bill me for service and threatened to turn it off. I spoke to countless off-shore agents who assured me it was resolved. I picked up the phone every time they called and explained that service was shut off XX/XX/XXXX. They continued to bill ; I continued to resolve it. And before it could resolved, they sent it to collections without ever even sending me a final bill. And they struck all records from my account, so I can not even contact them anymore. 

The collection company is attempting to collect a debt not owed to XXXX. I canceled service with them on XX/XX/XXXX. I have the emails and the dates of calls to resolve this. They continued to bill and and call until XXXX and never resolved the account and sent it to XXXX. XXXX has emailed on XX/XX/XXXX, XXXX and XXXX and has called my business phone almost daily since XX/XX/XXXX even after being instructed to stop calling my work phone. They have reported this matter to all of the credit bureaus. I have explained that I am disputing this error with XXXX and through you. They are relentless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$760.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$58.00} ; XXXX XXXX XXXX Balance Owed : {$43.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I CALLED American Express SEVERAL TIMES AND TOLD THEM SEVERAL TIMES IN XXXX XXXX AND XXXX THAT A CARD WAS OPENED IN MY NAME AND COMPANY AND EVEN SENT POLICE REPORT TO THEM AND THE FRAUD DEPARTMENT SAID THE ACCOUNT WAS CLOSED AND I WAS NOT RESPONSIBLE BUT THEY NEVER CLOSED THIS ACCOUNT AND SEVERAL OTHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Overdrafts caused by unreleased funds. No accurate tracking and fees on fees. This hasnt happened in a while whered theyd add additional fees.

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 2023-08-28
Company: EQUIFAX, INC.
State: AZ
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$36.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a XXXX Credit Card with Synchrony Bank on XX/XX/XXXX with an {$800.00} limit. I made several purchases and always made my payments on time each month. I just paid off the balance a week ago with a payment for {$740.00} to pay off the balance which was processed with no issue. I confirmed all of this with chat representative XXXX XXXX on XX/XX/XXXX at or around XXXX PM ET. I am delinquent on none of my other accounts. In fact just finished paying off almost all of my credit cards. I have a stable job making over the average median income that was unaffected by the pandemic. I was literally approved for credit increases on some of my other longstanding cards and a new XXXX through the XXXX XXXX XXXX for {$1500.00} limit just last week. I am the antithesis of a risk. 

This evening, I received an e-mail with an electronic PDF form letter saying that due to a periodic review of my credit worthiness, that they would be closing my card. They have failed to show any actual evidence as to what financial risk they faced by maintaining an account with them. They have unilaterally made a decision based off no actual risk behaviors from me. There is no new delinquencies of any kind reported on my account, no accounts at any other institution not current, most without balance. They have decided based off nothing that they are going to take action against me that seriously harms my credit score and financial health. 

Read their XXXX page, and I am sure you have many other similar complaints, that this pattern of abusive, malicious behavior is a mainstay with them. In order for a company to be able to affect your credit score in such a manner there needs to be some form of delinquency. Otherwise you are allowing the tail to wag the dog, they get to tell you that you are not worthy of credit and then ensure it by enacting in a manner that affects your credit score. Now this will affect my ability to obtain credit with another issuer and for what? Nothing. They can argue all they want about their right to do these reviews and make assumptions, but until they can provide documentable proof that I am or am about to default or miss a payment, etc., they have no legal authority to impact me negatively. Which they have.

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 2023-08-03
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
contacted company to request copies of account contract signed by me because I have to knowledge of these services or this account. They refuse to send me anything and advised I should file police report. I asked that this be removed from my report since they won't provide me proof of this debt or any disclosures with my name and signature. Tried to dispute through credit reporting agency but corrections not made.

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