BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-08-21
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:
THE US Department of Education and XXXX FINANCIAL violated " Privacy Act of 1974 '', and " Family Educational Rights and Privacy Act '' rights according laws and statutes in regards to the PRIVACY of my student education records.

Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

20 U.S.C. 1232g As a consumer I was never given noticed or authorized the transmission of personal identifiable information -- -- - In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 


That means an original contract or similar proof, not just a printout of the payments that were made. Provide all DOCUMENTARY EVIDENCE from the public and private side according to GAAP that this is a valid and verifiable debt you are reporting and claiming the accused debtor, myself, 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 2023-05-01
Company: Experian Information Solutions 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:
Re : Disputing Fraudulent XXXX XXXX Account Number XXXX To Whom It May Concern : After reviewing my consumer credit report, I have noticed several fraudulent items that are violating my rights as a consumer in accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account Number XXXX has violated my rights. This account is fraudulent and unauthorized and should be removed from my consumer credit report immediately. 

I am writing to dispute the fraudulent opening of XXXX XXXX Account Number XXXX in my name, and any charges or reporting made to this account. 

Enclosed are copies of government issued identification, proof of address, FTC Report, and police report documenting this fraudulent account. 

Under the Fair Credit Reporting Act, you have XXXX from receipt of this letter to remove this fraudulent account. Once removed, please send an updated copy of my consumer credit report regarding this fraudulent account. 

Respectfully, 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They reported the wrong name, address, and employer on my credit report. 
I wrote a dispute letter to have them corrected but nothing was done.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: IL
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 therefore absurd that my account would indicate otherwise. Please update my account to reflect this, as I have always paid on time and it is unacceptable that it should suggest otherwise.

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 2023-04-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts immediately. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights have been violated by XXXX XXXX and Experian. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX 2020

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 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Sometime in XX/XX/2023 Bank of America ( BoA ) decided to close my personal checking account ( XXXX ) and credit card account ( XXXX ). Letters were mailed to my home address stating the checking account would be restricted in 21 days and closed in 30 days, whereas my credit card account was closed on the day the letter was sent. The only explanation I was given for the closure was that my risk profile no longer aligns with the banks risk tolerance. 

Nothing has changed in my personal or financial life over the past 12+ months. The only item I can imagine impacting BoAs decision is that I recently purchased a new car with an auto loan through BoA. The auto loan was for $ XXXX over 5 years and is well within my budget. I also sold my old vehicle for $ XXXX to a local dealership and deposited the check into my former BoA checking account before it was closed. 
Most importantly, I was told that my {$1200.00} in Cash Rewards that I had earned on my Cash Rewards World XXXX credit card ( XXXX ) will be forfeited. The rewards are still visible and available when I log in to my BoA account, but are unable to be redeemed. I have a remaining balance due on my last credit card statement and wish to redeem all of my earned Cash Rewards against the remaining balance or receive a check for the total value of the rewards. I have included a screenshot of my credit card account dashboard that includes the Total Cash Rewards balance. The screenshot is from XX/XX/2023. 

Ive called BoA and spoken to numerous individuals without any resolution. Ive been given no explanation for why both accounts were closed and have been told that my credit card rewards are no longer available. It would seem the Bank of America arbitrarily closed my accounts and prevented me from redeeming my earned rewards in order to avoid paying me {$1200.00}.

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 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American express has a program called " Amex Offers. '' On or around XX/XX/XXXX of this year I enrolled in an offer for a 50 % statement credit on purchases made with XXXX, up to {$1000.00}. The terms follow below. Around the XXXX of that month I contacted bank to ask about a purchase with XXXX  which posted and never got the credit. They advised that the credit would be issued XXXX weeks after the end of the offer period which is XXXX XXXX XXXX. I accepted this assurance and continued shipping with XXXX in spite of their higher prices, expecting to receive a 50 % rebate. 

The offer period ended and the credit was never issued. I contacted bank several times and was given several different reason why the purchases didnt qualify for the credit per the terms. 

Once I was told only XXXX XXXX XXXX are eligible ; this is a corporate card. That is false. 
Another time I was told that per the terms XXXX XXXX is excluded and I shipped with XXXX XXXX. This too is false. All the shipments were XXXX XXXX or XXXX XXXX which are specifically included. 
A XXXX  time I was told that Bill Payments to XXXX are excluded. In truth, the terms specifically include that : " Offer valid on qualifying shipments paid for [ ... ] or billed to a XXXX XXXX account that is linked to your Business Card. These shipments were billed to my XXXX  account which is linked to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
( Account name XXXX Account number XXXX ) This account was written off as a charge off but I never received a 1099 cancellation of debt form and because of this, this account is reporting inaccurate and has to be removed. 

I tried numerous times to get this removed from my credit report from Experian, XXXX XXXX and XXXX and have been unsuccessful.

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 2023-04-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've sent 2 letters to Experian and XXXX XXXX asking what's the name of the company that's reporting an inaccurate bankruptcy to my credit report, and i keep getting the same reply, ( The company that reported the information has certified the information is accurate ) .If they can't verify the company, that means they're reporting 100 % inaccurate information, which needs to me removed from my 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 explanation
Consumer complaint received 2021-03-12
Company: U.S. BANCORP
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ELAN FINANCIAL SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
Dear Experian, There is information that is 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 basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 2021-06-13
Company: Reliant Capital Solutions, LLC
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXXXXXX XXXX XXXX XXXX is trying to collect on XXXX XXXX  that were not included in the Cares Act. However, all of the loans I have are supposed to be in forbearance. I was contacted by a collector via email about loans for them and XXXX XXXX. There was no notification that it was a notice to collect a debt/ to verify the debt, so even that practice is not being followed. As someone who has been hospitalized for their mental health over student loans, talking about which actually makes the schools and other alumni bully me, I did not want contact from them to collect a debt as it triggers my XXXX. So, when they run rampant and collect freely, they have no concern for anyones mental health ; its just the school wants their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I attempted to make a payment to PNC through my checking account ( XXXX XXXX XXXX ). PNC did not document the payment until XX/XX/XXXX and sent me a letter reporting they were crediting the payment because they did not have a routing number from my bank. The check came from my bank, as I utilized on-line banking. This has been an on going issue with PNC. When I paid my bills through XXXX XXXX they kept returning the payments. This appears to be a scam to rack up late fees and keep me indebted to them. I appreciate any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2021-01-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an existing account with US Bank in XXXX XXXX, CA. On XX/XX/XXXX I received 2 electronic funds deposits totaling about {$32000.00} from an acquaintance. I withdrew {$3500.00} in cash on XX/XX/XXXX. Then on or about XX/XX/XXXX I requested a cashiers check in the amount of {$20000.00}. This request was refused and US Bank put my account in lock down and froze the balance in the account. I attempted on many occasions from XXXX thru XX/XX/XXXX to find out what the issue was and why this was done? I was told that the ONLY person that could answer my questions was XXXX from the US Bank fraud department. I called XXXX at least 10-15 times & left messages, her # is XXXX. Finally XXXX called me back, she was extremely rude and threatening and told me that the funds were being sent back and that she was waiting on the forms to send the money back. I became very frustrated and gave up on trying to recover these funds. I recently logged, XX/XX/XXXX into the account and was very surprised to see that I could log in and see that the funds were still in the account! I have never received any messages or anything in writing from US Bank. I was able to review the bank statement from XX/XX/XXXX and see the balance. I am now unemployed and my state unemployment has run out and I need this money! I am going to meet with the bank manager, Ms. XXXX XXXX to request that the funds be released to me and the account closed. The phone number to her branch is 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