BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a loan through my retirement fund, XXXX XXXX XXXX XXXX XXXX in the amount of {$5800.00} and deposited the check into my account at US Bank on XX/XX/23. Funds were available the following day ( XX/XX/23 ) in which I utilized a generous amount to pay off other accounts. Today ( XX/XX/23 ) I saw that US Bank had withdrawn the previously accepted check, leaving my account with a significant negative balance of - {$1000.00}. After speaking with US Bank, they said there was a discrepancy with the check and the provider. I contacted the loan provider and they confirmed that the check was good and that the check numbers and mounts matched. I spoke again with the bank and they were unable to provide anymore information. I am leaving for an international trip over the weekend and if I were reissued a new check by XXXX, I would not receive it by the time I will have left. I have multiple automatic payments coming up through US Bank and will be charged an overdraft fee for each payment. I was also told that my automatic payments may or may not go through if I am unable to deposit a new check before I leave for my trip, and that those decisions will be up to the discretion of US Bank. My credit score and my rent and utilities might be greatly affected if this issue is not resolved. The bank is unhelpful in solving 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 response to consumer: In progress
Consumer complaint received 2023-12-06
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
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've been dealing with this issue since last year 2022. I am a victim of identity theft. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: In progress
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: SC
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:
Tried to remove all negative thing from my report and inquiry

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 2023-12-30
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I charged XXXX to my Citibank credit card on XX/XX/. I did not receive the service/product from XXXX. XXXX, issued 2 credits to be applied to my citibank credit card as a result. The first for {$240.00} appeared correctly on my citibank statement on XX/XX/. Citibank never processed the second credit of {$470.00} which you can see by the attached email from XXXX that XXXX acknowledges they sent the credit to Citibank on XX/XX/. 

I have formally disputed with Citibank that the credit never appeared. The first formal dispute was filed on XX/XX/ with this evidence. Citibank credited my account, then applied the charge back to my account for a net {$0.00} credit. 

I then disputed the lack of credit again via phone cases where I was promised the credit of {$470.00} would be applied on the following consecutive dates : Dispute # XXXX : XX/XX/ Dispute # 3 XXXX Dispute # 4 : XX/XX/ Dispute # 5 : XX/XX/ Through these various disputes and calls Citibank indicated they used a 3rd party dispute agency which indicated I did not provide enough evidence that the credit had been sent by XXXX despite the direct evidence ( email from XXXX ) from XXXX to the contrary. I reminded the Citibank agent that on the original dispute I provide an actual email from XXXX on XX/XX/ indicated they had sent the {$470.00} credit to Citibank on XXXX. See attached evidence. 

Therefore I am still owed a credit of {$470.00} that XXXX sent to Citibank yet Citibank will not apply my merchant 's credit to my account. 

Please advise,

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 2023-04-05
Company: Diverse Funding Associates LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Has reported to XXXX ( and possibly others ) that they are attempting to collect a debt in the amount of XXXX that originated with XXXX XXXX XXXX at some point around XXXX Previous debt collectors have not been able to provide me with the details of the debt ( dates, communication, etc. ). 

DNF has not contacted me via phone or mail to offer any of the above information, their contact information, or any other information that has offered an opportunity to ( once again ) explain this debt. This debt ( not mine ) was the result of credit fraud that occurred sometime between XXXX. I personally reported to the XXXX XXXX that someone had fraudulently opened an account in my name. I went round and round with this merchant about the credit fraud. They convinced me to try and make payments. I consulted an attorney and was told to report it to law enforcement, the merchant, and to the credit agencies that the account was fraudulently created. This was done. Eventually the merchant told me they had resolved it, eliminating my responsibility. However, the debt has been sold and resold to various debt collection agencies and I have had to repeatedly dispute this debt, despite its origin at least 8 years previous. 

Why this debt continues to be sold, after it has been, at least, four times reported to be credit identity fraud ( reported to authorities ), I have no idea. DNF, as a company, has been extremely sketchy and has violated my FCR rights in that it failed to identify themselves as debt collectors, provide me with 30 days written notice with my options of disputing this debt ( again ), provided no reliable means of contacting them ( multiple attempts unanswered in which I had to track them down ), reported to a credit reporting agency ( XXXX ) that such a debt exists, purports that the debt is valid, and has not responded to written communication. Yet persists in harming my credit status by carelessly reporting this fictional activity, while I have been steadfast in maintaining and growing my credit history. 

While trying to call DNF at their given number ( identifies as " XXXX XXXX '' }, they offer only XXXX options : find account number, check account balance, and Make a Payment. To find an account number, they ask for one 's social security number. When I entered mine, they have no record of an account. The recording informs me to " call back. '' Nobody answers the phone, ever. SKETCHY! 

They have to this point provided me with absolutely no information about themselves, or any activity they have engaged in. Your complaint for the companies identifying information about myself. There is none. Yet they appear on my credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a general public benefit complaint not just for me. 

Department Stores XXXX XXXX and Macys XXXX have a store credit card. Macys also has a loyalty program called XXXX XXXX. If you purchase any item they issue star points which can expire ( and they remind you to use it ). However if you return an item they do not refund the full amount back to you if you have used XXXX XXXX. They deduct something which is a loyalty reward ( that no one asked for in the first place ). This is misleading and disingenuous.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Pursuant to the FAIR CREDIT REPORTING ACT [ 15 USC 1681S-2 ] it is PROHIBITED for a financial institution to furnish Negative Information about a consumer to a consumer reporting agency without providing such notice in WRITING to a consumer of such furnishing of Negative Information 30 days prior or after furnishing Negative Information to a consumer reporting agency. I swear under the penalty of perjury that I have never received the required notice in WRITING from the financial institutions that are furnishing Negative Information about me to consumer reporting agencies. The consumer reporting agencies ( TRANSUNION AND XXXX ) are furnishing this Negative Information on my credit report and have responded to me and stated the information has been Verified when I sent in a dispute letter notifying them of the violation of my consumer rights.

A consumer reporting agency could not have used reasonable procedures to ensure maximum possible accuracy of the information they are furnishing about me and VERIFY information that has been illegally furnished to them about me. According to the FCRA this action falls under [ 15 USC 1681n ] or [ 15 USC 1681o ] and it is damaging to me. My request as a consumer exercising my consumer rights has been to DELETE all the negative information from my consumer report and to UPDATE all Late Payments to XXXX  : PAID AS AGREED NEVER LATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions 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:
Look at the attached documents. I'm urging the bureau to begin an investigation into these accounts, despite my consistent on-time payments being 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 explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing this letter as a follow-up to my initial complaint expressing my deep dissatisfaction and heightened frustration with the ongoing presence of fraudulent items on my credit report. Despite my earlier efforts to rectify this issue, the persistence of these inaccuracies is causing significant financial distress and emotional turmoil. 

My previous correspondence detailed the fraudulent items identified on my credit report, along with the supporting documentation and evidence substantiating my claims. Regrettably, my first attempt to rectify this matter has not yielded the desired result, and the fraudulent entries continue to mar my credit history. 

This situation is not only unacceptable but also indicative of a systemic failure in your dispute resolution process. The consequences of these persistent inaccuracies extend beyond mere inconvenience ; they threaten the very fabric of my financial well-being and credibility. 

I demand an immediate and comprehensive reevaluation of this matter, with a specific focus on expeditiously removing the fraudulent items from my credit report. Additionally, I insist on a detailed and unambiguous explanation for the continued failures to address and rectify these issues. 

I expect this matter to be treated with the utmost urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no option but to escalate my complaint to regulatory authorities and pursue legal remedies to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the supporting documentation for your reference. I trust that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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 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 an 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 response to consumer: In progress
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX  XXXX Balance : {$930.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; Medical XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-09-11
Company: STERLING JEWELERS, INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I fell behind on credit card payments for my Kay Jewlers account, it was placed in collections. I do recall getting a notice however I do not recall getting any notification that I would be sued for this amount. MY sister received a call stating I would be sued for debt owed the person who called her was named " XXXX '' my understanding is this is illegal for them to discuss my debts with someone other than myself. I called the phone number given ( XXXX ) and was given a case number of XXXX. After being told this company doesn't place outgoing calls ( doesn't make any sense at all ) they connected me with another lady. She went over some information, several times I explained that I was very confused at what she was saying if she could explain it better. I let her know that if owed a debt, yes I would want to pay what is owed. She said I was defrauding a creditor and they made attempts to contact me about the lawsuit. Before today, I knew nothing about said lawsuit. I was then told they could possibly get this out of court if I paid in full, I stated I was not comfortable giving information over the phone and asked what the company name was she said XXXX XXXX XXXX, I did a quick XXXX search and it doesnt pop up so I asked for the address in which I was told they don't give that info out to protect employees. I told her I would need to give a call back after I look into getting a prepaid XXXX or XXXX ( she said the only forms of payment accepted ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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