BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-01
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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 XXXX XXXX XXXX Account XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under XXXX XXXX XXXX XXXX Title Definitions. 

I missed two payments on my XXXXXXXX XXXX XXXX Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 
However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely 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 2021-09-30
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello my name is XXXX XXXX. On XX/XX/XXXX I sent a letter to the credit reporting agencies regarding a dispute response of an account on my credit report that was inaccurate. I also sent a FTC letter and made a complaint to the CFPB regarding the investigation process and how XXXX and XXXX did not give me a proper answer regarding the investigation and their findings and also delayed their initial response longer than 60 days. In the letters i clearly noted that i was severely affected and my information stolen during the target and the XXXX data breach i am seeking the help of the CFPB. Target also sent me a letter on XX/XX/XXXX that they were respecting my right to dispute within the 30 days of notice and I sent them a responding letter back on XX/XX/XXXX providing evidence from XXXX of this inaccurate debt and I then received a letter two weeks later dated XX/XX/XXXX stating that they were closing the investigation and had not received any information violating my rights to uphold for the whole 30 days. Through this whole process they have failed to give me proper evidence of the validation of the debt and used deceptive tactics and failed to provide verification that I was the one that sought out the debt to being with and i want the item deleted from my credit report immediately. I deserved a proper investigation into the matter and not a template response in regards to a personal matter that is affecting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
FOR THE THIRD TIME - involving over a dozen phone calls- I was bumped off my online Best Buy account for " security '' reasons, instructed to call an XXXX number, where they again refused to give a reason for their action. ( Security : we can't tell you, it's a secret - and BTW, your phone doesn't work ( the phone I'm talking on to them on. ) ). 

They said - again - that they would send me a letter BY MAIL! Is this XXXX? Who the " XXXX  '' uses XXXX to remedy an online problem in XXXX? CITIBANK DOES!!! 

AGAIN - THIRD TIME!!! 

WHAT THE " XXXX '' IS WRONG WITH THESE PEOPLE? I CAN'T EVEN PAY MY BEST BUY BILL!!!

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 2022-06-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was being considered for a home retention option and received a letter of acknowledgement from Shellpoint that all required documentation has been received as of XX/XX/2022 and was given foreclosure protection. I have attached all letter received attesting to this. I was notified today verbally that my request was denied due to a negative XXXX Test and that the foreclosure protection was removed and that they would not be providing a letter of denial as to the specific reason and that I am not afforded a right to appeal their decision should any information be incorrect due to proximity of the foreclosure sale date. I strongly believe that my rights are being compromised as under the XXXX Law I'm afforded to the right to review the denial reason and " Right to Appeal ''. I have spoken with several representatives with Shellpoint and they are refusing to provide a letter of decision and the right to appeal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: SLM CORPORATION
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have communicated to XXXX XXXX that I was victim of identity theft and elderly financial abuse. I have provided them the requested information to show that I did not cosign a loan that was fraudulently taken out by a relative name XXXX XXXX. XXXX XXXX started taking out loans in my name in XXXX and ended in XXXX. I was not aware of any of these loans that total around {$85000.00}. The loans were a combination of students loans from XXXX XXXX ( {$70000.00} ) and loans taken out at two credit unions ( {$15000.00} ). The two credit unions after receiving the same exact information that I provided to XXXX XXXX  removed my name from the loans. However, XXXX XXXX  has refused to do so, stating that after their investigation that they can not " conclusively '' say that they I did not take out the loans. I specifically stated to XXXX XXXX that I did not take out the loans and only found out about the loans when my credit limit was denied and ultimately terminated from one of my legitimate creditors. Furthermore I pointed out to XXXX XXXX that they make easy for fraud to take place and extremely difficult for victims to be made whole. Because of the XXXX XXXX loans still listed on my credit, I have suffered the closure of a credit account and a decrease of XXXX XXXX from the XXXX 's to the XXXX 's. Also it should be noted, that out {$87000.00} debt that was listed on my credit report only {$2000.00} was mine, the rest was fraud. Now I am not only still suffering from the tactics and harassment of XXXX XXXX financially but also psychologically. XXXX XXXX have their agents relentlessly harassing and threatening with default of the loans. Yet, they are dismissive of the evidence that they initially requested to remove my name from these loans. I found out in XXXX  about these loans have been working with not only the creditors but law enforcement to remove my name and press charges against my relative. This has been a great ordeal on me because so much of this is time consuming and stressful and not to mention that this is a cyber crime that makes it all the more challenging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat XXXX  reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/16 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a One Deposit Checking account with Citizens Bank on XX/XX/2022. Upon opening my account, I funded my account with {$500.00} from an external checking account and received a username and password for online access to my Citizens account. I tried logging on and got an error. I called customer service and they said the error is because my account is too new and to try again tomorrow. The next day, same error. I call customer service again and they say to try again tomorrow. The following day, still the same error. At this point, customer service is telling me theyre having system wide problems that should resolve in the coming days. At this point, I can tell theyre lying to me just so they can punt the problem to the next customer service representative. I ask to speak to the manager and get put on hold for 40 minutes to no end. The next day, I decide to just call to transfer the {$500.00} back to my external account and close the Citizens checking account. The customer representative tells me the only way to make such a transfer is either with an online account or in a branch. Still, my online account doesnt work due to the aforementioned error. I told them I dont have time in my schedule to travel to god-knows-where their branch is to make this transfer so they can finally close my account and end this fiasco. They tell me theres nothing they can do. So now my money is stuck with Citizens and they wont allow me to transfer it out. My online account doesnt work. And they wont transfer it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Self Financial Inc.
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:
For over the past many years. I Have been going by the book on hoe to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXXXXX XXXX Inquiry date XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ;

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: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
hese accounts and inquiries are not mine they was made without my permission, or consent, inquiries, Capital One Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Capital one bank USA : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute XXXX5 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$300.00} XXXX XXXX  XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation