BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided with and may possibly be relatives addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also, these phone numbers that aren't mine and should be deleted from each credit reporting agency. 
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 2021-01-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Citibank is closing my Checkings account because they said another bank put a remark on XXXX. I called XXXX and they told me there were no negative remarks and that everything has been resolved.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have submitted dispute to the credit bureaus on numerous occasions to get these fraudulent items removed. These items still remain on my credit reports, but have not been verified by me. I have not seen a contract or my signature on any of these accounts. I have the right by law, to be shown how an account is proven to be mine, and the credit bureaus have not done that,

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 2021-01-04
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Home Depot refused to remove or reverse their action of closing the unused account.

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 2021-01-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MD
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I paid in full for a balance transfer on XX/XX/XXXX, then on XX/XX/XXXX I requested a new balance transfer. On XX/XX/XXXX the system made an autopayment, that I never setup, for the full amount. They agreed to reverse the payment, but instead of reversing the payment to the new balance transfer, they reversed the one for the old one. It started charging interest. Somebody tried to resolve the issue by transferring the balance but it did not work, I'm still being charged interest and no one at Citi is idoneous enough to fix the issue. The new balance transfer is supposed to start charging interest only in XXXX of 2024. I have invested at least 20 hours on the phone with Citibank, the call center seems to be in XXXX, and even when I'm transferred to a call center in the US they promise to take 3 to 5 days and it never gets resolved. It's now been 5 months of this issue and no one seems to care. No one cares, no one escalates. They are still pending refunding 2 months of interest. They do what they want when they feel like 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 monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I literally sent them proof that I canceled membership yet they still allowing it. Thats disgusting

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent Transunion multiply different letter requesting to remove address and employee information that no longer applied to update my accurate information. The first letter that I sent asking to update my personal information instead they pulled my credit report and sent me my credit report through the mail and now there is inquiry on my credit report and I did not request my credit report to be pulled. I have a copy of my report that they sent me. I resent two more requesting the same update and I sent my photo ID and Social number that was attached and they sent me a letter saying that I need to send in prove for authorization of third party but I'm not working with third party I solo request this update and I'm not working with anyone. I have copies of the letter that I sent to them through mail.

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 2023-10-20
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX  XXXX XXXX Account number : XXXX Reported XX/XX/2022 on my Experian consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.

Late Payments Also the Consumer Reporting agency is reporting Late Payments on this account. Late payments are illegal.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report.

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 2022-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$44.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$44.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid 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 applied for a Penfed Credit card and received the card, but never activated the card. When I received the first statement, I noticed a charge on the card that I had not made. I contacted Penfed and told them of the fraudulent charge. I was connected with the fraud department and was told the concern was handled. I received a second statement and realized the fraudulent charge had not been removed as stated by Penfed that it would. Also, the statement now showed an overdue balance with service charges. I contacted the company a second time and was on the call over an hour as I was shifted back and forth between customer service and the fraud department. I assumed the issue was resolved. A third statement arrived with additional service charges and past due amounts. On XX/XX/XXXX, I spoke with XXXX who reached out to another department for help. XXXX called me on XX/XX/XXXX to tell me she had not heard back from the department for help and she would contact me when she did hear back. No call back from XXXX. I received a letter stating my account was in arrears. I contacted the collection department and was told that to keep my card from being closed, I could pay {$30.00}. ( The original fraudulent charge was {$3.00} ). I paid the fee, since I did not want my credit rating to be affected by this. I then received a letter stating my account had been closed. I am now being told in order to rectify this concern, I will have to pay the original membership fee and all delinquent charges. I have tried in vain to bring this to closure, but the company will not work with me at all.

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 2023-10-19
Company: EQUIFAX, INC.
State: FL
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 definitely not satisfied with the way you verified these disputes. I'll be serious in dealing with these inaccuracies that you are reporting whi ch affects my score. My succeeding action would be filing complaint with the Attorney Generals Office if still these aren't fixed. You guys even sent me letter saying that these account are verified? You serious? How comethat you come-up saying that these accounts are verified yet there are no supportingdocuments that prove that these are accurate. I need you to perform a reinvestigation on these ambiguous accounts : XXXX XXXXXXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$310.00} XXXX XXXX XXXX Payment {$0.00} XXXX XXXX XXXX Late XXXX {$510.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$960.00} XXXX XXXX Late Payment {$14000.00} XXXX XXXXXXXX {$9000.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$1400.00} XXXX XXXX  XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$980.00} XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$670.00} XXXX  XXXX XXXX {$54.00} XXXX  XXXX XXXX {$34.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} TXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
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:
I am submitting this CFPB Complaint to dispute the fraudulent inquiries listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several inquiries and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I can assure you that I did not open these inquiries or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I went to use my MD unemployment debit card the week before XXXX. Checking the balance before going shopping I noticed a {$1000.00} withdrawal that I didn't make. I contacted BK of America to see what the issue was. It was obviously a fraudulent withdrawal. They closed my card, started a claim and immediately send me another card. When trying to activate that card I found that card to be closed as well. I had money in my unemployment debit card over the amount of the {$1000.00}. That money plus additional benefits for 2 weeks are sitting in my account, not being able to be used. So I am without the fraudulent withdrawal of {$1000.00} plus other benefits. 
On Saturday, XX/XX/2021 I received a letter from BK of America stating the claim had been closed and they believe the claim had been the subject of suspicious activity. I did not take this money out of my account. I only used ATM 's to withdraw from this account and have never withdrawn more then {$300.00} at any ATM. I asked them to re-open the claim. 
I need help as now my money is frozen and have lost the {$1000.00} to fraud. Until this issue is resolved the extention of PU benefits that I qualify for are in jeopardy as well. 
Thank you

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 2023-10-20
Company: Experian Information Solutions Inc.
State: NC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; 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 explanation
Consumer complaint received 2019-03-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received the following letter, and made notations of the call. 

In late XX/XX/XXXX or in XX/XX/XXXX my son worked for XXXX ( I believe ) or XXXX 's XXXX XXXX store. His paycheck said Wells Fargo, so tried to cash it there. 

They told us they couldn't cash the cash without his opening an account there ( despite his employers account being there ) because " the account could be overdrawn. '' They said without an account it would cost {$20.00} to cash a check. We refused their illegal business practices paid the {$20.00} opened an account at another bank once I investigated the rest of the banks in this area. 

Seems they are still trying to do unscrupulous things. They tracked down and wrote me yet, after talking to two people, no one has explained how their " commitment '' plans to " make things right for customers ''. 

There is NO reason an email can not be used in lieu of a private phone number, unless they don't want anyone to know how they plan to " make things right ''.

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