BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: NJ
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 gave Experian ( XXXX ) chances to comply with the FCRA and show the method of verification they use to investigate the accuracy of the accounts on my credit report. They are past their 15 days to provide the steps per 15 usc 1681i ( 7 ). The request was delivered on the XXXX of XX/XX/XXXX. As of XX/XX/XXXX Experians refusal to delete, stop disclosing, and obtaining by false pretenses my nonpublic information, financial transactions, employment history, social security number, and other means of identification without my written consent or lawful authority are DIRECT VIOLATIONS OF Gramm-Leach Bailey Act ( 15 USC 6821 ) Privacy Act ( 5 USC 552A ). Also, Experian has committed Aggravated identity theft ( 18 USC 1028a ) against me due to the use and possession my non public information without my direct written consent or instructions. These willful violations has caused server injuries to my well-being and rights with the violations of.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXX XXXX, am verifying that I XXXX XXXX XXXX XXXX am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I received an email ( included ) that may account had been closed and I owed {$8.00} in overdraft fees. I immediately sent a cashiers check to the address included in the email ( Citibank N.A.Bank by Mail XXXX XXXX XXXX. XXXX, MO XXXX ). I waited 10 business days and called to confirm the check was received. According to customer service, it was not. In the weeks to come I called countless times and spent SEVERAL hours on the phone with Citi Customer Service while they tried to locate the check for {$8.00} to resolve my account. I was told the check was never found. Then in XXXX I worked with my bank ( XXXX ) and they confirmed the check was cashed on XX/XX/XXXX ( Ive included proof of the cashiers check being cashed by LOSS REPORTING ). 

At this point, Im not sure why I was never told my account was in good standing by the customer service team, since the check was cashed in XXXX. 

Then on XX/XX/XXXX, I received a letter ( included ) that the check for {$8.00} was available at a branch in XXXX XXXX and that my account was given an auto credit. At this point, I assumed all the phone calls trying to locate the check were not necessary and that my account was cleared of the overdraft charged. 

Then on XX/XX/XXXX, I received TWO letters ( included ). The first letter dated XX/XX/XXXX is the exact same letter as the XX/XX/XXXX letter and explains the check is available at the XXXX XXXX branch and the account was given an auto credit. The second letter dated XX/XX/XXXX is stating the check has not been located and is requesting proof of the payment.

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 2023-01-16
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 information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I noticed a credit card issued by XXXX XXXX XXXX on my credit report that I neither applied for or was offered. The card was issued on XX/XX/2018, and shows a credit limit of {$500.00} which seems to have been maxed out immediately. Card currently shows balance of {$500.00} which appears to have no payments made. Called issuer to inform of this apparent fraudulent card in my name as soon as I noticed it. However, account still appears on my credit report and is damaging my credit. XXXX XXXX has not provided any details or proof that shows this account opened by me. Need any help possible to have this account removed.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 A # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX A # XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX A # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX A # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( 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 explanation
Consumer complaint received 2022-05-19
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There are 2 collection accounts that are reflecting on all 3 of my credit reports that Ive never authorized or signed for and theyve been contacting me stating that it will remain on my credit reports negatively until I pay them off. I do not have any accounts with these collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: FL
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:
To whom this may concern : Recently I received a new credit inquiry reflecting on only my Equifax report, which was not me. It seems my credit was ran on XXXX XXXX for a XXXX XXXX. ( XXXX ) account. I reached out to Equifax, XXXX XXXX and XXXX to see what 's going on and to also set up fraud alerts. I figured I would contact Equifax first, as they are the only company showing this recent inquiry. After speaking with Equifax and setting up alerts on my account, they could n't help my issue, but instructed me to contact XXXX XXXX, as they will need to send in an electronic request to remove the inquiry, as they are supposedly the ones who pulled the credit. Equifax claims that the company who initially pulled the credit profile are the only people who can remove the inquiry, by submitting an electronic request letter to Equifax. After speaking with Equifax, I then contacted XXXX XXXX to see who attempted to open an account with my social security number. Finally after being transferred around with XXXX and speaking with several XXXX reps/managers, nobody was able to find any information on me at all. They searched several different ways to try to locate something on me. Whether by name, social security #, address, etc. they still could n't find anything at all. They also told me since they ca n't find any account info on me, they would be unable to send the electronic request letter to Equifax to remove the inquiry because I am not even a customer in their profile. I said, Ok I appreciate your help I will contact Equifax again. After so many phone calls back and forth hearing the same thing over and over 10+ times, I finally gave up. I 've called Equifax numerous times and put in about 6 disputes for the same credit inquiry issue, but they keep insisting that I contact XXXX XXXX to and have them send the electronic request for removal. After speaking with XXXX again many times, they are still unable to locate any info and/or send the request because they do n't even know who I am. I am hoping to get this simple inquiry off my credit report. NOTE : I recently applied bankruptcy about 2 years ago and only had 3 total inquiries on my account since. The bankruptcy lawyer needed to run my credit, which was one inquiry. After doing bankruptcy, I was told to get a secured CC. So, I applied or a XXXX secured credit card, which I did n't get..so that was 2 inquiries already. Finally I tried again for a XXXX XXXX secured card and got it. I should only have 3 inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I had noticed that my account with BSI Financial was being charged an fee of XXXX daily since XX/XX/2022. When I spoke with a representative, they told me that the fees where default interest. I then asked was my account missing payments or was I behind. The representative told me no my ACH is in automatic payment and they pull from the account on the XXXX and the XXXX of every month. I then asked how I am receiving default interest on the account if its not in default? The representative then said that is a good question and flagged my account for review no action was taken so I called again, and I was told the same thing by a supervisor who referred me to my promissory note and the default interest clause which had nothing to do with the relevance of our conversation. No one could seem to provide me an answer to why was I being charged for a fee with default interest daily. All calls where recorded and after seeking no help I reached out to the loan XXXX who helped orchestrate the loan and he also spoke with BSI Financial on this matter in where he discovered that they were using predatory lending practices against me. No resolution was found, and they refused to help me and told me to seek legal counsel for this matter. The month XXXX is XXXX. The account is at has XXXX in default interest fees since XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} 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 2023-10-07
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My identity was hacked through my computer and it now has a virus. loans were taking out in my name. the loan company are hassling me even though I did not do this. It is hurtful for someone to steal your identity and you get accused of the problems at hand. 
XXXX : Loan for XXXX XXXX  : Loan for XXXX XXXX XXXX XXXX : Loan for XXXX Credit bureaus refuse to take off of credit report. 
Inquiries remain also. 
Please remove all from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Mercedes Benz Financial Services
State: GA
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:
XXXX XXXX XXXX XXXX  has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to XXXX  nor XXXX  XXXX XXXX so its FRAUDULENT and i would like it REMOVED IN 5 days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
FCRA Violation : names and address not mine XXXX XXXX FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX I FCRA Violation : hard enquiries not mine 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 2023-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This bank has no way to stop automatic deposits I created. For this reason, I closed my account over a month ago. When I call, they say that my account is, in fact closed. They assured me that the automatic deposits would not be made and the funds would not be taken from my other account. They won't stop the automatic deposits, and the funds were taken from my other account ( as I told them over the phone I was concerned about ). They kept saying it would not happen, but it did. Now I have had a bounced check due to this on my other account and owe {$50.00} for a returned check fee. Refund the automatic deposits, reimburse my returned check fee, STOP TAKING MORE FUNDS OUT, and CLOSE MY ACCOUNT FOR GOOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 had three XXXX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all 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 explanation