BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2021-10-29
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Navy Federal Credit refuses to explain why I have been charged XXXX dollars more than my total deposit amount on one account. I have been paying XXXX since XX/XX/2021 to clear this issue. 
In XX/XX/2021 they removed XXXX. That was expected for my overdraft protection.then money was added to my account. In XXXX I was told my checking was closed. I owed the XXXX. That's XXXX more than I receive in monthly income and can not go over. Then in XX/XX/2021 I am told by letter that I only can use mobile banking. I can not talk to any member of their customer service. 
Without explanation in the letter for this. 
Then in XX/XX/2021, my account went from XXXX to XXXX with explanation. Can not talk to anyone and the statement only says adjustment. Adjustment for what? I haven't used the account since XX/XX/XXXX. 
XXXX XXXX is running Navy Federal Credit Union as if it's her personal bank with bias and bad blood towards people with dark skin and with mental health issues. I even had conversations with employees who agreed NAVY FEDERAL CREDIT UNION EMPLOYEES are treated like XXXX and slaves. Several conversations about unionization must have been the final straw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: LA
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-07-17
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: 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
XX/XX/XXXX approximately XXXX in the day, sitting in front of my private property was my XXXX  XXXX XXXX Kia XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX and HYUNDAI LEASE TITILING TRUST, XXXX XXXX unlawfully stole my private family travel conveyance without proper notice. Pursuant to lease agreement between said parties, if a default is inquired repossession of the vehicle without prior demand, unless otherwise required by the law. Pursuant to Pennsylvania U.S.C. Title 12 ; which was sated verbally XX/XX/XXXX XXXX to a XXXX on a recorded line to KIA MOTORS FINANCE, I also requested to speak to a supervisor, which their policy states has a XXXX hours to return a call and it took XXXX hours to call me back on XXXX  the XXXX of XXXX and I talked to XXXX and she declined any information I requested besides a redemption process in which was she also stated I request the title and pay off remaining amount to the dealer ( XXXX KIA XXXX where I purchased my private family travel conveyance and send them the remaining balance which was not disclosed in the lease agreement nor was provided upon request. XX/XX/XXXX I sent a notice to set off was sent and received by Recipients and no response was given, XX/XX/XXXX again Notice for opportunity to cure was sent and received no response given. And XX/XX/XXXX XXXX KIA responded declining my payment and sent a letter stating they are no longer the holder of the title and to take matters up with HYUNDAI LEASE TITILING TRUST. I have also included case law the supports my statements. I also have complained to the 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 2020-04-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I attempted to make a purchase with my TD Bank debit card but the transaction declined. When I logged into my TD Bank online banking I realized my two bank accounts ending in XXXX and XXXX did not appear or exist and my money was missing although I had over {$1000.00} in my account ending in XXXX. I immediately contacted TD Bank and the supervisor stated that my accounts were being closed although I was unaware and not notified and she also stated that she does not know why my money and bank accounts disappeared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-05
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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit 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 explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
trans union is reporting inaccurate account under my name account XXXX for XXXXXXXX XXXX  place in chargeoff/ collections. charge offs are not only concerned income XXXX XXXX it is cancel debt by the irs but i have never receive any anything about this debt this doesn't belong to me and i have no knowledge of such account. how is that this can ordinary income and its furnishing on my credit report this company has filed the lost on the there taxes. this a violation 15usc1681eb it speaks on maximum accuracy of the debt this has to be removed now as its affecting my life pls delete. the other XXXX bureaus removed this account because they were unable to properly verify. I'm confused on why u still reporting this account and have access to the same Information the other credit bureaus do. delete account pls

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 2023-08-10
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: Personal information incorrect

Complaint:
EXPERIAN KEEPS REPORTING UNLAWFUL INACCURATE PERSONAL INFORMATION. I HAVE ASKED SEVERAL OCCASIONS AND EXPERIAN REFUSES TO REMOVE  THIS INACCURATE ADDRESS. I HAVE ASKED IN SEVERAL DOCUMENTED LETTERS AND ONLINE DISPUTES TO REMOVE THE ADDRESS OF XXXX XXXX XXXX, SC XXXX, AS IT DOES NOT BELONG TO ME. IT IS FRAUDULENT. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX. AS TO BY LAW YOU DONT HAVE TO PROVIDE PERSONAL INFORMATION ON YOUR CREDIT PROFILE BC IT IS A VIOLATION OF CONSUMER RIGHTS.  I HAVE SENT PROOF AND EXPERIAN WILL NOT DO THEIR JOB AND REMOVE THIS ACCOUNT WHICH IS VIOLATION 42 USC SECTION 408 AND 18 USC 1028 A - AGGRAVATED 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 non-monetary relief
Consumer complaint received 2023-07-11
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received a notice of debt collection from the Cedars Business Service stating that I owed {$1200.00} for an XXXX  with XXXX XXXX I have never received services from this business I have had XXXX for well over 20 years and have never received medical care of no form from anywhere besides XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi bank closed my account for money orders issued to myself for being deposited into my checking account they invaded my privacy of the deposit of approximately 5700 dollars in money orders and deemed it fraudulent however the money has not been report as a scam and the bank contacted the sender who confirmed it was for me but the bank denied this action and still deemed it fraudulent the bank is refusing to commit are about the manner transparently they are holding the funds and they are refusing to let me be aware of what going on with my account they havent had the police to contact myself reguarding the deposit and will not release the fund to myself. The bank has said I should be implicated for the deposit and have automatically deemed guilty for the matter and have not let me speak for myself to the authorities they have a disposition to in XXXX the myself for the deposit even though the money has not been reported stolen I am being discriminated by the bank because of my XXXX and not been given a faithful benefit of the doubt or trust by the bank

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 2023-06-09
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Friday XX/XX/XXXX at approximately XXXX XXXX time I spoke with XXXX XXXX at IQ Data in regards to my account. 

During our conversation as I asked more questions for clarity, she told me I was refusing to pay after I stated several times that I would continue to make my payments by the XXXX, but just did not know the amount yet. 

I asked if I could call back by the end of the month prior to my due date to confirm a payment. 

When I said this she launched into derogatory dialogue, indicating that I owed them {$6000.00} ; previous representatives indicated that my bill was only {$3000.00} ; and continued to used abusive language as she berated me and was verbally abusive. After XXXX 's abusive language ended she stated " I am noting your account as refusal to pay '' and ended the call. 

I have been paying on this account for close to a year ( over {$1000.00} has been paid to date ), but due to lack of work I was seeking to understand what a minimal payment would be for this month of XX/XX/2023. 

Lastly, when I asked if I could receive information in writing XXXX XXXX said " No, this is not something they do ''. 

I believe this collection company has violated my rights under 15 USC 1681. And I believe should be removed from all of my credit reports. 

IQ DATA 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 explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: NY
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 am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY 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 2023-09-20
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:
My credit report is showing late payments to XXXX XXXX XXXX. 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 XXXX XXXX customer service representative.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I live at one address and that is XXXX XXXX XXXX XXXX XXXX Illinois XXXX. Thats the only address that suppose to be on all 3 of my credit reports.

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 2023-07-11
Company: United Collection Bureau, Inc.
State: MI
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:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX. 2 ) account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Snap Recovery, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Out of nowhere, I received an email and several texts saying a debt collector is trying to reach me from a former employer. They are texting and call my mom as well. I have received no written substance from them just emails and texts. The email has a very generic pdf attachment with my name on it and my former employer. I have no idea what this is for. I sent a certified debt verification letter and he emailed me. Saying I obviously received his letter and it includes everything. I responded telling him to read the letter. I have no idea who this is or what it's for. It's something called Snap Recovery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation