BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020, opened an account in response to {$500.00} promotional bonus offer and despite meeting all requirements have not received the promotional bonus. In addition, received from this institution a letter of investigation related to fraud on my account. Upon chatting with representative on XX/XX/XXXX, to inquire about the status aforementioned bonus payment, was told there is a fraud block on my account and that I would need to contact department by phone. Immediately called, was transferred around couple times, spoke to an individual by name of XXXX, who was said to be able to assist, and eventually said he couldn't help and I should go to a branch. Given circumstances related to coronavirus, I am not going to expose people or myself to possible infection.

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 2018-03-11
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX. is practicing UNJUST ENRICHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2023-09-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion Information Services violated the FCRA 15 1681 ( a ) ( 1 ) ( 4 ), by furnishing my credit file to lenders without my permission. I have several inquiries on my credit file, that has been recorded under my social security number, and furnished to lenders of whom I have not done any business with, or do I have account with. I am asking Transunion Information Services to remove the fraudulent inquiries from my credit file. Attached is an FTC Statement that outlines the information that is fraudulent.

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 2023-05-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made XXXX payments of {$5000.00} to my XXXX XXXX XXXX  in XXXX of XXXX, however XXXX payment was never credited to my account. The {$5000.00} payment from XXXX XXXX  was made on XXXX and never appeared on my XXXX XXXX. I have been trying to rectify this ever since. I submitted a letter dated XXXX, XXXX, from XXXX XXXX  detailing the transaction, though this seems to have been ignored by Commenity Bank. Therefor I am also including the bank transactions for the month that shows the missing payment. 
XXXX XXXX offered to make a XXXX way conference call, but was told by Commenity Bank that " 3rd parties could not be involved. '' never mind that the " 3rd party '' is a Bank, the one that made the payment. I have numerous emails between myself and XXXX XXXX  on the subject. 
I was informed over the phone, at the onset of this problem that the disputed {$5000.00} and any fees or interest would not appear on my statement until after resolution of the matter, and yet said amounts have shown on my statement all along. This has caused real damage to my credit rating and to my good name. 
Be it known that I have XXXX financial debt of any kind, whether it be this Commenity Account or any other. All vehicles and properties are owned, free and clear of any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 Sectign 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 2023-07-24
Company: Experian Information Solutions Inc.
State: CA
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:
After reviewing my credit report, I have noticed that there is a very large amount of inaccurate information, That I am writing to dispute. I have filed identity theft reports with law enforcement, and this letter is to address Experian directly in order for them to make changes and restore my credit back to an exceptional credit score. There is information 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 be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the bias of material misrepresentation. 

I first would like to note that I have never authorized Experian to have possession of my social security number. The Experian LLC has never received any authorization from me to have access to my private social security number. The only individuals legally authorized to have my social security number are myself, the Social Security Administration and the individuals I shared it with. Anyone who has bought, sold, or trafficked my private information is guilty of identity theft and fraud. 

In XXXX an LLC asked me for my social security number in order to do a credit check. They did not inform me that they were going to traffic my social security number to another LLC that was going to monitor me for the rest of my life. Posing as some sort of government bureau playing a game of hide-and-seek according to their bylaws on how they think credit should work. Experian never sent me notification, a contract, or instructions until XXXX. ( 17 years later ) Therefore this is unfair business practice and should be restored to exceptional XXXX XXXX. 40 % of their credit process, it's doing business with other LLC 's that approve of and authorize this sort of behavior. Of trafficking, selling and bidding for social security account numbers. Which is totally unacceptable. 

This letter is in reference to my account activity and how it should look before full reimbursement and restoration of credits. The other unidentified transactions are not information related to any transactions made by me as a consumer. You are required to do what I am asking, which is block and delete these transactions from being reported to My Consumer Report within 4 days from the date of the receipt of this notice. I look forward to your response. 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 2023-05-30
Company: JPMORGAN CHASE & CO.
State: MD
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:
Making another complaint because they refuse to work with me in any way and are now intentionally reporting false information to the credit bureaus, making it impossible for me to qualify for anything because they are reporting that I am making MONTHLY payments of {$5500.00}, which is completely false. Even it was was true it wouldn't make any sense financially and I wouldn't pay it anyway and I will not pay what is left. This will be my last attempt to settle the matter before I moved up to the DOJ and pursue further action. I was severing in the military from XX/XX/XXXX, until XX/XX/XXXX. Given that the vehicle was repossessed during this time of service without my written consent or court appearance " according to Chases own SCRA act statement '' this may be grounds for violation. I hope you will work with me on this. I am not making monthly payments of {$5000.00}, this is not accurate and has been false. I have tried to fix this, I have asked you to fix this, please work with me. I want to be done with this account and you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX   CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX XXXX {$5600.00} XXXX {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One Bank opened a fraudulent Bass Pro Shops account under my name. they told me that the account & hard inquiry would be removed from all 3 credit bureaus but it's still showing on my reports. I need XXXX to communicate this with the credit reporting agencies as it is a clear violation of the FDCPA. I have proof via police report that I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill is from XXXXXXXX XXXX  XXXX for my XXXX shoot in Pa in XXXX XXXX. 
I have provided my insurance information when I was at XXXX. I have received a letter about payment from XXXXXXXX XXXX XXXX and called them and provide my insurance inforamtion again. 

I also have called my insurance company and was told that they never received any claim from them. 

Now XXXX has forward to collection company to collect the debt which I didn't owe any bills. 

I called multiple times to collection company called " Transworld Systems Inc. '' but no answer at all, and I have left a message but not received a call from them all at. 

I called, XX/XX/XXXX, XXXX XXXX XXXX  and provided my insurance information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hi i applied for a loan from bank of America on XXXX XXXX. I have a XXXX XXXX XXXX. Im self employed. I also have a business income of XXXX and personal income of XXXX. 

They are trying to get away from the rate lock and this is fraud! 

They first told me i got denied because my income is XXXX. Then i sent them personal tax returns and they said because i file jointly that i need to put my wife on the loan. 

Last but no least after all that i call back and then they tell me its not because joint tax returns but its because it due to my debt to income ratio. 


This is all XXXX! Not nice.

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 2023-05-30
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
The bank launched new software since then they do not process payments for 5 to 7 days but more importantly twice they have applied a low fee to my account then used a XXXX dollars plus from my account for days thus causing me to struggle. I like most Americans live paycheck to paycheck I have to care for my mother and my XXXX XXXX child. On XX/XX/2022 the bank indicated a XXXX charge and my balance went from XXXX to XXXX then again on XXXX. They charged XXXX non citi atm fee first of all there is no XXXX atm fee that I know of the largest fee I use is XXXX, my balance then went from XXXX to XXXX causing my money apps to not be paid and making it impossible for me to move my money the way it works for me. If they are doing this to somebody with no money what are they doing to everybody else. I do intend to move my account but of course that will take all of my money to go smoothly.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer credit 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 non-monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The account reported a late payment for XX/XX/2020during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
THERE ARE MULTIPLE HARD CREDIT INQUIRIES FROM THE SAME COMPANY AND MULTIPLE INQUIRIES FOR AN AUTO LOAN ON MY CREDIT REPORT GIVING ME A BAD CREDIT SCORE. HOW DO I OR CAN I HAVE THEM REMOVED. TRIED THE DISPUTE OPTION AND GOT NO WHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2023-07-24
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:
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 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 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 2018-05-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has continuously tried to collect on old debt. Even after being disputed ( they could not validate the information ) and being removed from my credit report, 2 years later it randomly shows up again on my XXXX credit report with misleading and incorrect information.

Company response to consumer: Closed with explanation