BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am in the process of reducing my debt. A major focus was this particular credit card. I transferred my entire cash flow to make a monthly payment expecting to have access to my credit limit. Within a few days of this payment while away from home my limit on this card was reduced effectively stranding me away from home. I made 3 calls to the card company and they refused to explain why this happened and that a letter has been sent to me explaining why. Ive received no assistance from them in regards to an explanation. Im currently stranded and struggling. I will be okay but I feel as though I have had a large amount of cash taken from me. I would never have made that large a payment at this time if I had known I would not have have had access to it.

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 2019-06-26
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:
I Have no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX   XXXX XXXX  XX/XX/XXXX {$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 2023-07-27
Company: ALLY FINANCIAL INC.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
I am writing to ask that my case XXXX ; be re-opened. There was a breach of contract and I want the banks to assist me with this. I would really appreciate your help and if you could look at my evidence. Again there was a breach of contract and I want to see if we can re-open the case. I was never issued ANY provisional credit and I would like for a thorough investigation to be done to see that there is a breach that has taken place on the documentation I have provided. There were four charges in this case. I am actually asking for one charge ( ( {$1300.00} ) to be added to the existing three charges on this case ( {$1400.00} on XXXX, {$3200.00} on XX/XX/XXXX, and {$200.00} on XXXX ). All charges are from XXXX XXXX and the last one on XXXX was from XXXX XXXX. I am asking that the charge of {$1300.00} made on XX/XX/XXXX be added to the three charges already on case XXXX. Again this company ( XXXX XXXX XXXX XXXX XXXX XXXX ) has committed a breach of contract and are willing to move forward with dispute process.

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 2023-06-13
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: DE
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: Investigation took more than 30 days

Complaint:
I reviewed my credit and found this account, which was reporting inaccurate information so I sent disputes to the credit bureaus and after a supposed reasonable investigation, they verified the account as accurate. I am disputing this because they are reporting inaccurate information this whole time! They have not responded to my disputes, or sent me the documentation requested! they have, however written me a check for {$24.00}, which verifies the inaccuracies! They have continued to report this despite the inaccuracies, and the fact that they must have done some sort of investigation to find a balance? The only other reason that they could have written a check for is my silence. My next step is to go to my attorney!

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 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a number of items on my report that are not mine. This is definitely fraud so I contacted the police locally and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these inquiries are not mine either : 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 explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called to verify why inquiries that I sent letters about has not been removed they said I need to resend the letters again.

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 2023-02-11
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: Account status incorrect

Complaint:
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 promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and They are violating FCRA 15 1681 eb for reporting information that is not 100 % accurate. 

Did not receive a 1099-C form " Cancellation of Debt '' from none of these lenders below : 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

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 2019-09-13
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:
This account does not belong to me Account # XXXX {$170.00} Account # XXXX {$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 2023-09-08
Company: Experian Information Solutions Inc.
State: LA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$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 2023-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 1989, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 Anv other adverse item of intormation. 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 explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: VA
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 satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.

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: EQUIFAX, INC.
State: PA
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:
Some of these items in regards to my Accounts on my credit report are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated and all late payment be listed as paid on time. Multiple accounts show on time payments by 2 bureaus then late by another bureau in the same month All monthly payments should be reported on time. This is not 100 % accurate AND NEEDS TO BE ADJUSTED. Also on each account Attached it has the in correct open dates on all accounts and Balance are all off and incorrect and status are incorrect bureaus are reporting paid then other bureauS reports late these need to be corrected. It is also against the law without consent to show payment transactions, utilization and payment history under U.S.C 6801-6805. ( OPT OUT ) PLEASE ADJUST ALL ACCOUNTS LISTED BELOW. Also please fix all personal information on my reports there should be 1 address listed XXXX XXXX XXXX all other addresses are non-mailable and need to be removed 1 telephone number- XXXX and 1 employer XXXX . Each time these companies have reported monthly without consent they are in violation. 

Accounts with in accurate information. ( Please update all payment history 's misleading information no payments should be late. Please correct all other misleading information account open dates, balances etc. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX charge off account 2 bureaus show no reporting the other needs to be removed. Inaccurate XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid In full not closed XXXX XXXX Paid not closed XXXX XXXX XXXX Letter from previous dispute with the bureaus and credit report attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I completed an online application for a savings account that was offering High yield investment interest. On XXXX the XXXX my money was drafted from bank account and I haven't found where is it as of this moment. I was told by customer service that my money is not showing up because it stated that it would take 30 days to show up. But all I want is my money to be transferred back to my account. I placed a transfer for {$5000.00} because that is what the software required to get the rates that was being offered. There no Physical address for this Webster Bank on line. This just another scam by companies who are stealing from the poor. This bank needs to be closed down. This no way it takes 30 days just to see where my money, being electronically transferred, from my account in less than 4 days, but it will take 30 days to show up in my account as of right now it shows that I have a bank account with {$00.00} dollars. Please help me get my money back. I am 71 years, old and I am in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. I filed a police report and a FTC report and submitted them to the credit reporting agencies with my disputes. The disputes were not filed correctly and the paperwork was not attached per the FCRA> And I did not get copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # XXXX, XX/XX/XXXX # xxxxxxxxxxxx XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that 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 explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

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 2023-11-24
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 XXXX 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 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
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:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX  Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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: EQUIFAX, INC.
State: FL
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:
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, 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have five closed accounts in which is reporting derogatory on my report. it is closed but they report my account as late and i have made on time payments and they don't accurately note when i was supposedly late. XXXX forced borrowers in payment options that caused borrowers to fall behind and those issues get reported as late on the credit report. i have notified " Equifax '' of this problem but they ignored it and refused to correct the problem

Company response to consumer: Closed with explanation