BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I submitted a dispute via text message with Transunion because online wasnt working. They submitted it and it showed up online. I then waited a few days and it was no longer there. Why am I not allowed to dispute something?

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 2019-04-17
Company: General Financial, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Just Military Loans referred their debt to a collection agency who listed the debt as a collection on my credit. This date was listed in a Ch XXXX Bankruptcy prior to this. Just Military Loans was named in XXXX NC XXXX XXXX Bankruptcy and they allowed XXXX XXXX XXXX to buy account and list on my credit report. They have not removed the item after multiple attempts to remove it.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my bank accounts and have not returned the funds from the account. One account has {$88.00} and the other account has {$73.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
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:
This is another attempt at disputing online with cfpb.in an Earlier attempt my documentation and supporting evidence did not upload. Disregard previous disputes than this dispute. This dispute contains all necessary documents needed to support my case in this dispute. 

This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 30 days late. Subsequent to XXXX no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: EQUIFAX, 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:
XXXX, XXXX, & EQUIFAX have been reporting inaccurate information on my credit reports. I am a victim of identity theft and my problem has not been resolved. I filed a Federal Trade Commission report. 

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 XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to the Capital One Bank located at XXXX XXXX XXXX XXXX, XXXX, LA to deposit {$2000.00} to my checking account. This branch is temporarily closed and you must use the atm machine for all transactions. The time was approximately XXXX central. I pulled up to the last atm machine on the right in the drive-thru. I put my card in, then PIN number, and then said I wanted to deposit money. I put the bills in the door and the machine took the money and sounded like it was counting. The machine then said that there was a problem and opened the door to return my money. I attempted to grab it but was not able to get all of it. It sucked it back in and tried to push it back out again but I couldnt get ahold of it. It did this a couple of times with the metal door opening and closing but there was never enough of the bills showing for me to grab. Finally, I noticed that some of the bills were crumpled and the door shut and didnt reopen. At that time, a message came on the top of the atm screen saying that the machine was closed for deposits and could only do withdrawals. I immediately logged onto the banking app to see if anything showed up for the transaction. I also counted the money that I was able to grab which was {$800.00} of the {$2000.00} I was trying to deposit. I called my husband who called Capital One on a three way call and was on hold for about 35 minutes before speaking to a representative. She took all of the details to open a claim and told me that there would be a provisional credit given while the claim was under investigation. I received the provisional credit a day later I believe. I did not leave the atm until the claim was submitted and the representative told me that I could. On XX/XX/XXXX I received an email stating that the claim was denied and that the provisional credit would be reversed on XX/XX/XXXX. I immediately called the claims department and asked them to reopen the claim and send me all documentation used in their decision making process. On XX/XX/XXXX I received a letter and an email. The documents that I was sent was a two page search query showing that I hadnt made a transaction on XX/XX/XXXX. Later that day, I went to a Capital One branch that was 30 minutes away to try to speak with somebody. They told me there was nothing that they could do but I should call the claims number and ask to speak to a supervisor. I went to the car and did this and was told the same thing again. The case could not be reopened and the investigation had been done and didnt show anything abnormal for that day. I wanted them to look at video surveillance or look into the worker that must have come and gotten the machine working again but this was denied. I have no idea what steps to take next. I have lost {$1200.00} to my bank who I trusted with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: MI
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:
The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX XXXX  XXXX XXXX {$440.00} XXXX {$180.00} XXXX {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX  XXXX {$200.00} XXXX XXXX {$960.00}

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 2021-02-05
Company: DISCOVER BANK
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:
While checking my three bureau credit reports through XXXX ; I've noticed a few inquiries and accounts on my credit report that I did not authorize. 

Accounts : XXXX XXXX XXXX - acct # XXXX - Date opened:XX/XX/XXXX XXXX  XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX Discover Bank- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX acct # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Discover Financial Ser XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate 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 after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly maintain that it is unfair for me to bear responsibility for these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am the consumer, XXXX XXXX. Capital One has failed to procure MY written permission for Capital One to report anything on my credit. Capital One and the credit reporting agencies are in violation of the FCRA. I have notified the credit reporting agencies with failed attempts to resolve the issue.

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 2023-06-06
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 

Here are the accounts that needed correction : XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} This is my follow-up complaint in line with my prior complaint dated 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 2021-02-05
Company: TD BANK US HOLDING COMPANY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TD AUTO FINANCE Requested On : XX/XX/2019, XXXX XXXX XXXX  Requested On : XX/XX/2019, XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Consumer Portfolio Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 at approximately XXXXXX/XX/XXXX I received an automated call from the number provided in this complaint. Upon electing to speak with a representative at " CPS Services, '' I was placed on hold for approximately 5 minutes. Once I spoke to the representative they informed me that my number was associated with someone else, whom I've received multiple calls pertaining to, and that I would no longer receive any calls. This happens 3 to 4 times per day on every weekday and constantly disrupts my business that is heavily reliant on teleconferences for day-to-day operations, especially during the COVID pandemic. Apparently, I am never removed from their " list '' so they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I applied for a refinance mortgage application with Bank of America. 

XXXX XXXX ( XXXX XXXXXXXX ) was my loan officer. 


Subsequently after the RESPA notice, I promptly supplied all requested documents to Bank of America. However, on XX/XX/XXXX, there was not a underwriting decision and the loan officer had no closing date in sight ( see attached document XXXX XXXX ) On XX/XX/XXXX, after 10.5 weeks from the initiation of the application and still no underwriting decision, I advised my loan officer that I will withdraw from the application. Since Bank Of America could not make a underwriting decision, I requested that the bank refund the {$880.00} of prepaid which was charged at the start of the application ( see attached document XXXX XXXX ). Afterwards, I made two attempt to follow up on the refund, but there was no response from the loan officer or anyone from Bank of America ( see attached document XXXX XXXXXXXX XXXX  ). 

A week later, I received an Action Notice letter, dated XX/XX/XXXX, that my mortgage was not approved based on Debt-to-Income ratio. The letter should have correctly stated that I withdrew from the application on XX/XX/XXXX ( see attached document 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 monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly review the attached documents. I want the bureau to start an investigation into these accounts, as I am never late with payments, yet they are inaccurately reported as 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2022-10-13
Company: EQUIFAX, INC.
State: AZ
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 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. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 2. I did not authorize these inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. I did not authorize these inquiries XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
7. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. I did not authorize these inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
10. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
14. I was never 30 days late in this account. 
XXXX XXXX XXXX Account Number : XXXX XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation