BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove all the accounts that I have mentioned in the report as I have no knowledge in any of this, these do not belong to me and were never filed by me. Please help me solve this issue, Thank you.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: AZ
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 Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX : - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX IN 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 an 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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : JPMCB AUTO XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. 

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct 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 ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: KEYCORP
State: IN
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:
After pulling my XXXX credit report back in XXXX, I noticed that Key Bank pulled my credit for some unknown reason on XX/XX/2022. Outraged, I called Key Bank to voice my concern. That call was placed to Key Bank on XX/XX/2022. The associate I talked to at that time, XXXX, assured me that the inquiry would be removed by Key Bank. Over two months later, it still remains. It must be removed immediately as it is causing me undue hardship.I had no interest in Key Bank credit products then, and will not have interest moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: MO
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 INFURIATING! For the past 6 months, I have been disputing for the correction of my Credit File by removing the fraudulent accounts and information from my Credit File. I was a victim of identity theft and the disputed accounts and information were the results of such crime. I have also been submitting multiple dispute letters and CFPB complaints addressed to the Credit Reporting Agencies and yet all of these have been ignored. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information immediately removed from my Credit File. However, no matter what I do, whatever I try to do, the Credit reporting Agencies have been ignorant and indifference with my Credit File. Once again, I am submitting yet another CFPB complaint to request to the Credit Bureaus to immediately remove the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX. We are halfway through to file a lawsuit with the Credit Bureaus and I believe we are ready anytime to submit this lawsuit the moment the Credit Bureaus do not remove the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
US BANK purchased our contract on a camper sold to us by XXXX XXXX on XX/XX/2021. 

As of today 's date, we have been unable to register, title, or get license plates for this vehicle. In short, we've already made three payments on the US Bank loan, but can not operate the vehicle legally. We've also paid for insurance on the vehicle, which, again, can not be legally operated. 

We have tried multiple times to resolve this issue through various customer service reps. We get a new rep, each time, because US BANK will not freely give out contact information for the reps. US Bank will not give us a single source who will see the problem solved through fruition. Each rep makes notes, which are mostly incomplete, and then they do not follow up to see if the issues are resolved. We then contact customer service again, and the cycle repeats. 

XXXX XXXX collected sales tax for our state of residence, but then sent the title electronically to US Bank, who now holds an Electronic title NOT in the state of our residence. 

US Bank will not contact the state of our residence to initate a " State to State '' transfer of title, which would enable us to properly register and plate the camper in our state of residence.

We've contacted our State MVD numerous times. They requre US Bank to contact them. We've contaced US Bank numerous times. They don't initiate contact with MVD 's, they instead require Arizona MVD to contact them ( via FAX ). 

Since Arizona has not used obsolite FAX communications for some years, we are stuck in an endless loop of finger pointing. 

In the mean time, we are paying on a camper we can not use. Most recently, US Bank has said that they will transfer this problem to their " Collateral State to State '' transfer team. 

However, they will not provide contact information of any kind so that we can monitor and get follow up on progress to resolve this endless loop. Transparency does not seem to be the order of the day in US Bank 's customer service structure. 

We have threatened to stop making payments until this issue is resolved and we can operate a vehicle which we've paid a lot of money for. But nothing seems to motivate them to resolve a problem that has lasted for more than three months.

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 2023-03-15
Company: CREDIT CONCEPTS, INC.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit Concepts XXXX XXXX XXXX XXXX XXXX, Oregon XXXX Debt amount {$4600.00} XXXX They contacted a friend and gave him the letter at his property, and I did not live there and gave him the letter that was served that was supposed to go to me. Which he gave to me and it was threatening to sue me. Also, the information is incorrect on XXXX and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have been discriminated against by Pentagon CU. There are no federal law

s that state a credit score can deny me my right to extend credit. I am in good faith exercising my rights and I the natural person have been discriminated against Pursuant to 15 US Code 1691 Scope of prohibition A ) activities constituting discrimination, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- 1 ) on the basis of race, color, religion, national origin, sex out martirial status 2 ) because all or part of the applicants income derives from any public assistance program : or 3 ) because the applicant has in good faith exercises any right under this chapter This denial is illegal according to the equal credit opportunity act, which is codified in 15 USC 1691 ( c ) & is persuant to civil liability under 15 USC 1692 ( k ) I am pursuant to 15 USC 1602 ( l ) The term credit card was used to initiate the consumer credit transaction. I am also the cardholder and the holder in due course. Pursuant to 15 USC 1602 ( n ) the credit card ( social security card/number ) was provided by me to initiatethe transaction. It is not possible to be denied with credit Ive provided. Again I am the holder and due course and pursuant to 15 USC 1681 ( a ). The term adverse action never mentions the consumer being denied credit because it is impossible to be denied credit in which I am granting your company. The right to extend credit in pursuant to 15 USC 1602 the term credit means the right granted by a creditor to a debtor to defer payments of debt or to incur debt in deferrers payments.

Pursuant to 15 USC 1611 Pentagon CU isgiving me false and inaccurate information willingly and knowingly because this information is public there is no excuse to break this law.

Credit is my right and I am the individual who regularly extends credit in the connection with loans and Pursuant to 15 USC 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary. This is a private transaction and this is an unfavorable situation to me as the consumer.I am credit worthy and this is a consumer credit transaction. By law credit worthiness is left up to assumption and by stating that I am credit worthy removes the need for assumption. I am stating this as fact.

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 2023-05-16
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Regarding Disputes/Fraud Investigations ... XXXX XXXX XXXX XXXX XXXX XXXX This extremely fouled-up six-week investigation was precipitated by one ( 1 ) improper {$200.00} charge made by XXXX and an over-jealous member of the CitiCard Security team who, when I reported the erroneous {$200.00} charge on XX/XX/XXXX, enlarged the fraud investigation to include ALL of the XXXX transactions. 

As a result, a proper {$530.00} CREDIT ( issued by XXXX ) was removed and has now ( on the XX/XX/23 statement ) has been posted as a CHARGE. 

I have contact CitiBank 5 times in the last 6 weeks, including 3 contacts with your security department. Twice I have sent the requested documents : Doc # 1 : Screenshot of my account taken on XX/XX/XXXX showing both the {$530.00} CREDIT and the {$200.00} Charge both from XXXX. 
Doc # 2 : Email dated XX/XX/XXXX from the XXXX XXXX XXXX verifying that they have issued the {$530.00} CREDIT and that they had not made the charge for {$200.00}. 
Doc # 3 : Email message dated XX/XX/XXXX from XXXX verifying that they issued a CREDIT of {$530.00} AND they had mistakenly charged me {$200.00} in the process, and they have issued a credit of {$200.00}. 

I never disputed any of the other charges by XXXX that was the doing of a member of their security team. 

RESOLUTION NEEDED : 1 ) CitiBank needs to CREDIT my account {$1000.00} ( $ XXXX ) for posting this amount on my current XX/XX/23 statement as a CHARGE. 
2 ) Citibank needs to REMOVE the verified improper charge of {$200.00} ( dated XX/XX/XXXX ) and posted on my XX/XX/23 statement both as a charge and a credit. 

Immediately after my last conversation with several CitiBank security team members, my on line access to recent transactions was blocked as well as my access to the Dispute Center.

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 2023-01-30
Company: Hunt & Henriques
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: Old information reappears or never goes away

Complaint:
I had an ongoing dispute with XXXX since XXXX regarding a {$2600.00} charge that they allowed a merchant to complete with an expired old card on file and an incorrect billing address. XXXX had originally credited {$490.00} and refused to give credit for the remaining balance, including {$2300.00} in interest charged and {$370.00} in late fees. They then reversed the {$490.00} credit. I decided to make over {$3000.00} in payments in two months to pay off the debt that I knew I owed, and refused to pay anything further. My disputes went back and forth with them for many months. I even went onto the merchant 's website and entered all my known email addresses to complete a password reset until I was successful and provided evidence that the card they had on file expired in XXXX, they had a very old billing address, and failed at 8 attempts of the charge the first time as they were simply reattempting with a different exp date until they got it right. I was never advised of the failed attempts by XXXX. 

In XX/XX/XXXX, after having completely destroyed my credit, they filed a lawsuit against me for {$5400.00} under my credit card account number XXXX which, is the only account I had with them since XXXX. 

I filed a response in court without a lawyer and advised their attorney of what took place and the attorney claimed they completed another investigation and determined I owed the complete amount. In XX/XX/XXXX, I receive a notice from XXXX that they completed another investigation and determined that I was correct and that they credited my account for {$1600.00} along with {$110.00} in interest which, again was not the complete or accurate amount. The amazing part is that they did not apply this credit to my account number. They created a whole new account number that ends in XXXX with a starting balance of {$5400.00} and applied a credit of {$1600.00} plus the {$110.00}, and showing a balance due of {$3600.00}. 

I now have their attorney 's office contacting me claiming I owe {$5400.00} on my XXXX card and {$3600.00} on a XXXX card that I never owned. The attorney is aware of this yet just requested that the court set a trial date and they have, it is now set for XX/XX/XXXX. 

XXXX is reporting default on {$3600.00} under this fake XXXX non-existing account onto my credit report and destroying my credit all over again. I do not have an attorney and they are destroying me with this. They will not even give me the whole account number when I have called twice to ask for it. All I know is XXXX, as you will see in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$66.00} MEXXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} Medical XXXX Balance : {$73.00}

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 non-monetary relief
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
ABOUT ON XX/XX/2022 I REPORTED TO CAPITAL ONE AND A REPORT WAS TAKEN AND I WAS OWED XXXX NOW CAPITAL ONE TOOK BACK MY CREDIT MONEY THAT I PAID THEM I WAS ISSUE A NEW CARD I CALL ASKING ABOUT MY BMONEY AND NEVER COULD GET A STRAIGHT ANSWER I FEEL LIKE UNFAIR PRACTRICE WAS CLEAR IN THIS CASE, EVERYONE WHO I TALK TO TELL ME DIFFERENT THINGS ABOUT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: SC
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:
I have sent off dispute letters back in XX/XX/2022 about a billing error according to 15 USC 1681a ( 2 ) I Exclusions : " report containing information solely as to transactions or experiences between the consumer and the person making the report. Also according to 15 US Code 1666-Correction of billing errors these companies are in violation. Please update my payment history for XX/XX/2022, XX/XX/2022 & XX/XX/2022 to paid as agreed.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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