BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 company is reporting an account on my credit that is not mines. I am a victim of identity theft. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2023-05-02
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:
I have no affiliation with these creditors and therefore request that you remove this inquiry from my credit report immediately

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi Bank closed my Costco XXXX card on the grounds I misrepresented them in disputes against merchants. I disputed this this claim with their Executive Response Unit. By closing my account Citi avoided paying my annual cash back rewards which were approximately {$980.00}. Citi never inquired with me about my side of the experience. Furthermore they ignored any documentation I had. Its very suspicious of the timing of this closure as it came just a week before my rewards were scheduled to be paid when my statement generated. Im fine with termingating my relationship with citi as I have a 800+ FICO score and can get another cloth another bank. I NOT OK WITH CITI ILLEGALLY SEIZING MY CASH BACK REWARDS. 

Please assist me in investigating Citi and my grievance.

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 2020-08-02
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dont owe anything to FMS Investment Group. I request to stop and cease all methods of communication with me. PLEASE STOP HARRASING ME!!! My name is XXXX XXXX not XXXX XXXX XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am writing to request Ally financial to immediately send me my full refund check for my XXXX XXXX XXXX, Despite paying my account in full on XX/XX/XXXX, I still have a remaining balance owed to me. It is currently XX/XX/XXXX, and the XXXX business day timeframe promised has elapsed without me receiving the check. 

Over the past XXXX months, I have repeatedly called to inquire about my refund, to no avail. Even after being informed that delivery was switched from XXXX to XXXX Overnight, no supervisor has been able to provide me with a tracking number for my checks. Therefore, I demand that you send me my check immediately to resolve this 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 explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 2022-11-16
Company: Experian Information Solutions Inc.
State: VA
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. 

XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$110.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$170.00} XXXX. XXXX XXXX = {$950.00} XXXX. XXXX XXXXt = {$300.00} XXXX. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 2022-02-23
Company: Experian Information Solutions 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:
all inquiries on my credit reports are fraudulent and the accounts listed on my FTC report is also fradulent. please remove this is a real hassle for me trying to get my credit profile back secure. please delete all fraudulent 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt correction of a collection account that has been paid in full but continues to be inaccurately reported on my credit report as " payment after charge off/collection. '' Your immediate attention to this matter is required, as the continued presence of this inaccurate information is causing significant harm to my financial well-being. 

The collection account in question is as follows : Creditor : Walmart Account Number : N/A I have paid this collection account in full, and the outstanding debt has been satisfied. Despite the fulfillment of my financial obligation, the account still erroneously appears on my credit report as " payment after charge off/collection, '' which is an inaccurate representation of the account 's status. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly update the account 's status on my credit report to accurately reflect that it has been paid in full. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to correct the account 's status on my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 discovered inaccurate information on my credit report and submitted documentation such as Notice of identity theft, a letter according to the FCRA SECTION 609, preliminary lawsuit as well as a FTC report. There are items on my report that I have not authorized/ and or consented to that must be removed. Transunion responded with a letter stating they will NOT block the information because they believe it to be accurate, which it is not.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account and it is causing me great XXXX to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.

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 2022-09-30
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Navy federal has a high case of fraud some one is going into there customers bank accounts and aching money to them selves and navy federal is not giving the money back to the banking customer when it's proven with police reports that acess was not given to anyone the criminals names bank name along with account number and routing numbers are attached. And they still did nothing they did not reach out to the other banks to get my money back {$20000.00} was taken from my account that's not it navy federal bank stated taking money from my credit card with navy federal and taking money from the other accounts that I had with navy federal then shutting down my card and not allowing me acess to any accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX I tried to explain to them that XXXX I was a victim of identity theft due XXXX data breach and had no knowledge of this account. They continued to report it even after repeated attempts to resolve the matter. As per the Fair debt reporting act, they are not allowed to report stolen or incorrect information that can potentially harm my credit. 

According to 15 U.S. Code 1681b They do not have a Permissible purpose to continue to report unverified information that compromises my identity by reporting inaccurate information on my credit consumer profile. I have reached out to them as well as, send them letters and they continue to ignore my attempts to Block the information. 
XXXX continues to violate the law. The law clearly states that. I went ahead and file a complaint with FTC as well. The Attorney General and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-05-02
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
Complaint ID : XXXX was recently closed. I have exhausted my efforts to protect my rights, but I seem to be the only one. Equifax has had plenty of time to fix the errors on my account. Having the wrong names such as XXXX XXXX XXXX, and having wrong information regarding employment " XXXX XXXX. '' This is absurd that they can just correct the names and leave the accounts I provided. CFPB must be working for Equifax! 
I kindly asked that these accounts be removed, and you clearly see that the mistakes are still under all three credit companies, but you let them just close it and leave me with the accounts! Wake up and take another look!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account and it is causing me great XXXX  to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

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 2023-02-12
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX i was involved in the XXXX  data breach and in XX/XX/XXXX after seeing an alert from XXXX  I was a victim of identity theft. I also lost my wallet in Mid XXXX XXXXXXXX XXXX which caused further delays in getting a new drivers license and new debit and credit cards!! I did not find this information out until early XX/XX/XXXX at this time of course all of my accounts were compromised causing delays in payments Indigo mastercard attempted to retrieve payment and could not do so. Previous to this theft I closed this account and paid of this debt but the creditor stated that they do not take payment when authorized but can wait up to 3 weeks to collect funds during this time said identity theft took place I have filed a XXXX  complaint about the late payment that was reported on my credit I have not had a late payment in 3 years on any of my other credit cards. I have requested through multiple agencies for this to be removed without any success because the company continually states that there were insufficient funds in the account but this is not true funds were in the account but the account was compromised. XXXX  could not come to any resolution to this case. 


XXXX XXXX XXXX XXXX XXXX PROVIDES A SERVICE THAT MARKETS TRUST IN YOUR BUSINESS & BRAND This e-mail is to notify you that you currently have a new message with XXXX  in regards to complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
When I reviewed my credit report, I discovered that some of the information was 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX Balance : {$4800.00}

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