BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I ordered a copy of my report inXXXX XXXX, I found out that credit reporting agencies still indicate my dispute of information in my credit report. Again, I was a victim of identity theft and this is another request to block the ITEMS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any ITEMS not later than 4 business days after the date of receipt.Also, the information provided on some ITEMS are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following Items listed below needs immediate action and block these from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX DAte of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was settled and paid off. The company didnt report to the credit reporting agencies as agreed upon in the settlement agreement. 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 2023-03-06
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are erroneous and suspicious. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} ARS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1400.00} CANNON XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been calling Capital One for over a year to get assistance with this credit cards APR it's astronomically high they are literally charging over {$2000.00} a month just in finance charges! I was a XXXX XXXX that was impacted by COVID-19 the business is now dissolved and I am not even able to make my mortgage payment. This is unfair practices to not even offer assistance I have spoken to supervisors and everyone and NO ONE will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 ) XXXX and TransUnion CREDIT BUREAUS are required to remove any items not later than XXXX 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Bank of America still has not responded to my plight, all required time has been given to release my funds. While my account has had multiple close and freeze dates Bank of America has violated my consumer rights. Freezing and locking and closing my account for 3 months now not allowing me to withdraw anything. Yet BOA still pay and except fees from the account. Thus this act trumps any fraud activity. Same process operations for recent lawsuit against B.O.A. Taking money from consumers at will still no policy changes so still same illegal, unethical maneuvers stemming from an outdated unscrupulous fraud department. I request compensation asap I have suffered hardship unimaginable.

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 2022-11-30
Company: EQUIFAX, INC.
State: AL
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX, XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX - ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a letter dated XXXX from TransUnion stating they were unable to locate a 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 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am unaware of any valid contract with XXXX. They are currently reporting negative information on my credit file ; in which they claim I owe {$580.00}. I was first made aware of this situation when I went to apply for a personal loan and my application was declined due to this derogatory account that is still in my credit file. 

Please be advised that all attempts to validate this debt and request a contract have been unsuccessful. I have been told by this company numerous times that they can not provide me with a signed contract. They repeatedly keep sending me bill copies. This is not a validation. I was also sent a letter dated XX/XX/2019 indicating that they no longer have my application on file. How can they prove that this account belongs to me and that I initiated this account? 

I am keeping a file of the ongoing correspondence with XXXX  and demand that this negative information be removed from all XXXX credit files immediately. This has been an ongoing issue and I would like for it to be resolved as I am preparing to file suit for derogatory information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has all the wrong address and duplicates address not my address. 
I only have XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are my only legal address other than that Experian needs to prove all other address by deed lease of apartment or loan taking out in my name.

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 2019-08-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a settlement check from a wrongful death suit involving my mother and the approximate total of the check was {$130000.00} on XX/XX/XXXX. According to the Wells Fargo bank statement of XX/XX/XXXX, a deposit, of {$130000.00} was made into my Wells Fargo Access Fifty checking account. I spoke with a Financial Counselor representative at the bank that asked how did I come to have such a large check. I explained about the settlement. I only wanted to put that money in my personal checking account. I was told that I needed to open a savings overdraft protection account to avoid monthly fees and charges. I believed that was a separate account. This money was never deposited or linked to the overdraft savings account. Both accounts were online banking accounts of which I did not have access to a computer ; therefore, I was unable to check the accounts. No paper statements were sent to me. On XXXX XXXX, a withdrawal made in a Branch/store of {$36000.00} was made. I did not withdraw this money. On XXXX XXXX, a withdrawal made in a Branch/store of {$75000.00} was made. I did not withdraw this money. On XXXX XXXX, a withdrawal made in a Branch/store of XXXX was made. I did not withdraw this money. 
In XX/XX/XXXX, I was inquiring about a line of credit with Wells Fargo. The bank manager said I had to have a substantial amount of money in the bank for a line of credit. I said I do. She asked what account? I told her it was in my overdraft account. She said, What money in an overdraft account? I told her I put money in an overdraft saving account in XXXX. She said that their bank records do not go back that far, their retention period is only 7 years. However, she began to find and printed out an access fifty checking bank statement from XXXX XXXX XXXX. It verified a check totaling {$130000.00} was deposited on XXXX XXXX. Its showed a withdrawal of {$36000.00} on XX/XX/XXXX, {$75000.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX. The bank manager found several other accounts in my name of which I never opened or even knew about. I requested to see a signature page or signature of the withdrawal slip for those withdrawals. The bank manager said that information was not available since they only keep 7 years worth of information. I requested an investigation. She notified an escalation team of Wells Fargo. This team called me back in 5 days- they stated the retention policy was only 7 years and she could only find a bank statement starting with XX/XX/XXXX and no further information was available. I believe since the money can not be found or accounted for -identity theft, multiple accounts and a merger between Wachovia and Wells Fargo and Overdraft Protection Account, hid the removal of these monies.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2020-06-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for XXXX cc accounts ( XXXX consumer and XXXX for my company ) back in XXXX of last year. I had built my credit up over a period of a few years to the high XXXX 's and hadn't had any cc 's for a number of years so decided to apply for a few to take advantage of some of the perks and benefits ( travel miles, cash back, etc ) that many of of the CC companies offer these days. I was approved for the XXXX mentioned above with Chase ( plus a couple others from other institutions ). At the end of XXXX my work took me to XXXX XXXX and in XXXX, the whole Covid crisis hit and my business was dramatically impacted ( not for the better ). 

Luckily ( or so I thought ) I had the credit cards available as a back up to keep things going. While I did wind up having to max them out, I never once missed a payment ( nor was I ever in any danger of doing so as things were beginning to pick back up ). Imagine my surprise then when not XXXX, but all XXXX of my cc 's with Chase were closed all at once in XXXX. This ultimately wound up putting extra strain on my business as I was unable to access any funds I had paid down as things were still not consistent even though business was picking back up. 

I have been with Chase for 10 years and have tried getting in touch with them regarding this matter. So far, I've only been able to speak with someone from an outsourced country who clearly has zero power to address any of my concerns. On XXXX occasions, they merely took my information down then said I would be getting a letter in the mail indicating their decision and that someone from their XXXX offices would be calling me. While I did receive a letter, I never heard from anyone to give me an opportunity to present my case. I have been treated as a number and not a person. My middle FICO score is still in the XXXX 's and to this day haven't been late on any financial obligations in over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: MoneyLion Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I've reached out to customer service on numerous occasions trying to rectify the problem which didn't work apparently there was an issue on moneylion end where they didn't process payments for part of the month of XXXX of XXXX and caught their mistake to which they initiated the payments on back to back days nearing the end of the month fast forward to the month of XXXX of XXXX they made an error again where as they stated I missed payments which I contend I did not which my bank statements are supporting documents because of their mistakes/errors I had to agree to a new term which extended the loan and not only that they've reported my loan as delinquent to the credit bureaus twice even after I agreed to new terms upon looking over my bank statement Moneylion failed to initiate the payment of {$9.00} but did debit the membership fee of {$4.00} which is an error on their part as both the loan payment and membership fee are supposed to be debited on the same day my account always has sufficient funds to cover any bills that I have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-12
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX has reported to Experian that I was 30 days late. I have bank statements saying I was not 30 days late and gave them to Experian. Experian came back 3 times now as the account stays on my account and the investigation lasted only over night. XXXX XXXX representatives have said that I have NO late accounts on my account and that I should contact Experian. When I try to contact Experian the call machine says I can not talk to a person unless its identity theft.

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 2022-07-21
Company: EQUIFAX, 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:
I appreciate the time of CREDIT BUREAUS to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 XXXX and EQUIFAX are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous Complaint with # XXXX XXXX ; XXXX ; XXXX & I am including it again. Please delete the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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 is missing that should be on the report

Complaint:
XXXX XXXX  violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the 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