BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
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:
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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2020-03-26
Company: EQUIFAX, 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:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
XXXX XXXX XXXX previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.

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 2023-03-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I applied for US Bank account on XXXX XXXX XXXXpplication ID is XXXX ) and was approved on XXXX The deposit of {$25.00} was posted on XXXX XXXX Confirmation number : XXXX ) Besides the approval email, I did not receive any other documents or debit card. Therefore, I do not know the checking account number. 
When I called to request service, I was asked for either account number or debit card number and I do not know both numbers, therefore, I was unable to use the account or close the account. 
Please help me close the account and refund the {$25.00} deposit. 
Thanks

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 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ive been with Capital One for over 10years. I have XXXX cards. The XXXX card ( opened XX/XX/XXXX ) has an interest rate of 19.90 % plus a {$59.00} annual fee. This card was sold to Capital one years ago and they will not remove the annual fee or lower the interest rate which I ask twice a year for over 10 years. The annual fee Im not sure how they can charge for a fee from another company. That disclosure about the fee is not with capital one but the old company. The second card ( opened XX/XX/XXXX ) was an original Capital one card with an interest rate of 22.90 % with no annual fee. I dont understand how after all these years as a loyal company they will not lower my rates or remove an annual fee that Capital one doesnt even charge and is from another company. I feel XXXX XXXX for years have been doing unfair credit card practices with the large rates and annual fees. No one can ever explain how in years my rate has never been lowered. All the Managers I speak with brush me off saying its nothing that can be done. Both my XXXX XXXX card rates are 12 % & 8.99 % with higher limits, so its no way I should have such large rates with Capital One. Ive also submitted a complaint with the XXXX a few years ago and nothing happened. Please make them responsible for these unfair practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to finance some phones at XXXX XXXX but when they ran my credit I was not approved to finance because there are accounts in negative standing appearing on my credit. I had no idea there were accounts with negative history on my credit report because those accounts are not mine. I didn't open those accounts nor have I ever signed any contract with those companies. The companies where the accounts were opened are XXXX XXXX and XXXX XXXX. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report regarding these accounts that I did not authorize.

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 2023-02-07
Company: EQUIFAX, INC.
State: MD
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 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX, XXXX and 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. sec 2 : It also States a Consumer Reporting Agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
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:
I received a letter stating that someone tried to get credit at XXXX/XXXX.This was an unauthorized attempt.

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 2023-08-14
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020, I purchased a lawn mower from Home Depot for {$440.00} dollars. They advertised {$50.00} credit for a purchase of {$300.00} or more if i sign up for their credit card. The credit card company offering this is CitiBank. Now Home Depot offered {$5.00} off my purchase if i signed up to recieve email notifications so I signed up for that. Home Depot states that they are denying my {$50.00} credit for signing up for the credit card because they gave me {$5.00} off for signing up for email notifications. This is bait and switch. Both are legitimate offers and followed the rules when applying for each. There is nothing that states these two separates deals may not bed used together because they are unrelated. One is for HomeDepot, the other is CitiBank. I am asking Home Depot to apply the {$50.00} dollar credit that is owed to me for singing up  for the credit card. If they wish, they can deny my XXXX dollar off coupon and I can use it for my next purchase but the {$50.00} credit is owed to me since was approved for their credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Law-abiding XXXX owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.

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 2020-12-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every month the last 2 1/2 years XXXX XXXX until today XX/XX/XXXX, I have a late payment status. Every other month this reflects on my credit here as a homeowner for 17 years. This mortgage company has been saying I am late on paying every month. I should have an 800 credit score I only have at XXXX & have never been late. I have all documents that state when all payments have been paid. I have nearly been homeless because of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
A credit card account was opened without my knowledge or consent. I was able to get the credit card company to close the account, but evidently, there was a {$40.00} annual fee on the card and the company reported a missed payment to TransUnion, which dropped my credit score by XXXX points. In addition, the " late fees '' have increased the annual fee on the card to {$81.00}. 

The credit card company is XXXX ( contact information below ). I have called their customer service line four times now with no resolution. I have filed two disputes with TransUnion also with no information other than that TransUnion finds the account to be valid. 

I have also called XXXX XXXX Bank and they were not able to help because they say that XXXX is one of their " digital partners '' with whom they do not deal directly in cases of fraud. 

I do not know what the account number of the credit card is, because I never received a card, nor have I received any account information from Prosper either electronically or via the US mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/18 I filed a complaint # XXXX, and it was removed from my XXXX  reporting as this was a credit check for a credit card for XXXX without my consent or knowledge. Using a very old address, a clear indication of Identity Theft. 

Now the same exact reporting is showing on my Transunion credit report and also needs removed. See attached images below.

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 2023-08-15
Company: EQUIFAX, INC.
State: MD
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:
After receiving notification from all 3 consumer reports l, I have found after great measure, Equifax continues to report inaccuracies. VIOLATING my FCRA rights under U.S.C 1681 g. I submitted on XX/XX/2023 a formal inquiry on the accounts listed below in this document. I requested an investigation for any incorrect information be investigated, if found inaccurate or unfounded to be removed from my Consumer reports within receipt of completed investigation of 30 days.Furthermore I have requested online investigations via Equifax dispute center and have received no response of accurate information in the past 60 days. Equifax has returned updated, and validated responses in the past 7 months, and continues to report adverse inaccurate information on the following accounts : XXXX  acct # -Date of last activity incorrect, does not match all 3 XXXX XXXX -Close Date incorrect, does not match all XXXX XXXX XXXX  -Payment history does not match all XXXX XXXX XXXX  XXXX account # -High balance inaccurate, does not match all XXXX XXXX XXXX -Date of last activity incorrect, does not match all XXXX XXXX XXXX  -Close Date incorrect, does not match all XXXX XXXX XXXX  -Payment history does not match all XXXX XXXX XXXX -incorrect credit limit, does not match all XXXX XXXX XXXX account XXXX -High balance inaccurate, does not match all XXXX XXXX XXXX -Date of last activity incorrect, does not match all XXXX XXXX XXXX -Payment history does not match all XXXX XXXX XXXX XXXX account -Date of last activity incorrect, does not match all XXXX XXXX XXXX  -Close Date incorrect, does not match all XXXX XXXX XXXX -Payment history does not match all XXXX XXXXXXXX XXXX  XXXX balance does not match all XXXX XXXX XXXX  Bankruptcy that can not be validated a copy from XXXX XXXX states the bankruptcy can not be validated and a copy from Maryland bankruptcy court stated the court does not report to consumer reporting agencies. These accounts are not reporting accurately. I did not give equifax to exclusively report this information. Therefore these accounts are violating my FCRA rights under U.S.C. 15 1681g I am demanding they be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I requested XXXX, Experian, XXXX XXXX, and XXXX XXXX to disclose their method of verification on the alleged bankruptcies they were reporting. I supplied each one with a notice from the US Bankruptcy courts stating that they did not verify nor provide such information to the credit reporting bureaus. 

XXXX XXXX then replied to me with the enclosed letter claiming that the bankruptcies were not able to be verified and all three have were removed from my file. The other three credit bureaus have refused to respond to my requests and verify the information.

This would mean this bankruptcy is by law considered UNVERIFIED. I am requesting each credit bureau remove all three bankruptcies listed in my credit reporting file at once.

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 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Due to error instructions on part of the bank money was never received by XXXX though money was deducted from my account. Transaction date XX/XX/XXXX. Now I am told to deal with XXXX bank in XXXX. I am on my own

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