BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: FIRST CITIZENS BANCSHARES, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Friday, XX/XX/XXXX, I went to First Citizens Bank in XXXX XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX. I requested to speak with XXXX XXXX due to the fact that I had dealt with him previously about trying to open an account for my XXXX in XX/XX/XXXX. I actually should have went off the outcome of that interaction because I was told they had to have a SSN to open an account, which a SSN is unlawful to ask for, however, I went ahead and went back because I was looking to open a personal account this time and the interaction wasn't all bad. On Friday XX/XX/XXXX, I went to XXXX again. We chatted, I asked several questions about the account and the services offered. He advised it would be {$50.00} to open the account. I agreed and told him I'd be back once I had the {$50.00}. We actually were laughing and joking as I was on my way out the door. Monday, XX/XX/XXXX, I went back to open the account and asked for XXXX again. Before I could even sit down, he tells me they could not open an account. I asked why and he claims that he spoke with his 'higher ups ' and they concluded they are choosing not to open an account for me. I'm pressing the issue because XXXX is talking in codes and not trying to say what the actual issue is. As I keep pressing because I tell him I'm not satisfied with what he is telling me, he says because of the issue with me trying to open an account for my Trust in XX/XX/XXXX and the complaint that was made because of it ( I never made a complaint which I should have ) and the questions that I was asking him about opening a personal account, the bank made the decision not to open it based on those factors. I asked what the questions being asked had to do with anything. XXXX proceeds to give me a bogus answer about " things that have been happening at the banks within the region ''. I asked him what things and he continued to give cryptic answers. I tried to get an understanding before I left as to what the real reason was for him not opening an account and I left confused with no answer. I don't know what XXXX thought I was trying to do with my account with the questions I was asking but, I was just trying to open an account because I didn't have one at the time. I feel completely discriminated against and don't know why I was treated in that way. My sister was with me and she gave him some things to read the Friday we were there and he did say based off of the federal laws he read, part of the decision was based on that. I was denied my right to conduct business for personal, family, and household purposes. I feel totally discriminated against by XXXX XXXX and First Citizens as a whole and I want answers as to why I was turned away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX  XXXX Bankruptcy Discharged Reference # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX  XXXX Bankruptcy Discharged Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 saw on my credit report that a charge from XXXX was showing as a charge off on my account. I did not open this fraudulent account with XXXX. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since XXXX  and I have been going back and forth with XXXX and the credit bureau to get this handled. A police report was filed for this 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 2019-02-24
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/2018 I was involved in a scam.XXXX XXXX account had wrong billing information so I called XXXX to resolve the issue. The lines were disconnected and i received a call back from an individual falsely identifying themselves as employees of XXXX. The individual then informed that my XXXX account was being hacked. He told me I needed to buy XXXX  cards to contact the servers to fix the situation. After I got them, he told me that I was being hacked by XXXX servers and I needed to purchase " XXXX XXXX '' cards. I purchased some at XXXX grocery stores and they were telling me that some of the cards were working and others were not and that i needed to purchase more to have my phone unhacked. They were telling me that i was going to get a full refund because it was a problem that happy because of XXXX and XXXX. It really got out of hand and I didn't realize it could be a scam till one of the banks told me that these has been happening recently. I had no idea. These individuals were using tech jargon and giving ID numbers and phone numbers, I honestly should have known and I used poor judgment in this matter. A police report was filled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I rented from an apartment complex called XXXX XXXX  ran by XXXX XXXX XXXX located in California. I was a tenant for 2 years. Upon my move out the property XXXX went through my apartment and charged me for things that were clearly wear and tear items, like flooring a bathroom, mirror that had faded in some parts, a XXXX cleaning fee and other dubious /suspect charges. She told me that if I didnt pay it they would sue me ruin my credit and other harsh rhetoric. 
It was soon after this I started receiving calls from IQ data who posted this garbage on my credit report even though I disputed this garbage from this property XXXX. They sent me a boxed check letter which she filled out essentially saying XXXX owed this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by Hunter Warfield. I XXXX of 2023, I became aware that Hunter Warfield was reporting a collection account related to an apartment lease. The original balance of this account was listed at {$1700.00} and {$1700.00} ( The amount is inaccurately reported between the three bureaus ) but has ballooned to {$1800.00} and is still rising. This is because I found out that a 4.75 % interest rate has been put on this debt, even though there is no interest rate related to the original account. This is a violation of the FDCPA. I sent a dispute letter to this collection agency to inform them of this violation, as well as to validate the debt itself. In their response, I discovered, through basic addition, that the amount that they claimed that I owe is completely incorrect based on their own records and that they have been inaccurately reporting this debt for over a year now. I demand that this debt be removed from my credit report because the collector doesnt even know how to do basic arithmetic when calculating the amount that they claim that I owe. They have also been violating the law by including this interest rate on the account that is not in any contractual agreement. The debt being listed on my credit reports is completely erroneous and fraudulent and is defamatory to my character. Since Hunter Warfield has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to correct this inaccurate reporting. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-08-11
Company: EQUIFAX, INC.
State: NJ
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 found Unauthorized inquiries on my credit report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I viewed my credit report and saw an old bankruptcy that should not be reporting. Chapter XXXX bankruptcy XXXX. Filed on XX/XX/2015. Reference number : XXXX. Court : U.S. Bankruptcy Court. My XXXX Report is frozen and can not be accessed. So XXXX, XXXX and Experian claims this was verified by the US Courts ; however, the courts states they have not verified or validated any bankruptcy and if I am being told this occurred, it is a violation of the law. The bankruptcy was dismissed and XXXX and there should be no incorrect information. If there are any inconsistent information such as accounts still showing open or a balance due, the bankruptcy has to be removed due to reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a late payment reporting from XXXX credit card reporting late on XX/XX/22 I was never late and I contacted company and there response was accountant was never late

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 2023-01-06
Company: EQUIFAX, INC.
State: OH
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 sent Equifax a credit report dispute concerning their file number XXXX dated XX/XX/XXXX which disputed information contained in this report. My dispute letter was dated XX/XX/XXXX. They did not correct all the items indicated in my dispute letter. Also, they did not provide documentation supporting the uncorrected information, but rather parroted the verification of the entity that originally submitted the adverse information to them. In otherwords they did not do a first hand investigation of the adverse information as required by law. The courts have ruled in Cushman v. TransUnion, 115 F.3d 220, 225 ( 3rd Cir. 1997 ) and Stevenson v. TRW ( Experian ), 987 F.2d 288, 293 ( 5th Cir. 1993 ) that this type of verification is inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
I am writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS

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 2023-07-29
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2021-02-07
Company: Experian Information Solutions Inc.
State: IL
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:
Ive reached out to experian and us department of education I have no known knowledge of this account it has been deleted off of XXXX and XXXX when I call experian they say theyve verified it I asked for a copy of verification for 3 months now with know response to it Ive filed a police report which was submitted to experian and us department of education please provide a verification documents to me as this is a fraud account

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 2022-12-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I looked online on Experian site ( Member ID XXXX ) and it said I have 1 late payment ( 60+ days ). I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error. It is been a month and nothing is fixed. 
Please, look at attached images. This is screenshots from Experian website. 
It shows I have late payments but my reports has none.

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 2023-07-29
Company: Experian Information Solutions 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: 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. 

these accounts : XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX. 
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 2021-02-07
Company: Arbor Professional Solutions, Inc.
State: IL
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:
Ive reached out to XXXX  and us department of education I have no known knowledge of this account it has been deleted off of XXXX and XXXX  when I call XXXX they say theyve verified it I asked for a copy of verification for 3 months now with know response to it Ive filed a police report which was submitted to experian and us department of education please provide a verification documents to me as this is a fraud account

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