BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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 2023-03-01
Company: CITIBANK, N.A.
State: MO
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:
I am filing a complaint against Citibank for terminating my Costco Citibank Account without reason. I have held the account since XXXX and have held it in good standing without a single late payment. I unknowingly let my Costco membership lapse, it expired in XX/XX/XXXX. I continued to use the card spending thousands without any word from citibank that there was a problem. I didn't hear from them until they closed my account on XX/XX/XXXX. In their letter they stated that if I paid my membership dues my account would be reopened and that all I had to do was call and request that that action be taken. I paid my dues on XX/XX/XXXX then called on XXXX separate dates to have my account reopened. I was denied all three times. If you hold a Costco Citibank Card you are paid a reward check that is sent out on XX/XX/XXXX for the previous year 's cash back. I spent over $ XXXX on my card and am due several thousand dollars in rewards. When my request to reopen my account was continually denied I called XXXX to verify that there had not been any derogatory marks on my credit or that my credit score had dropped. There have not been any changes. In fact my credit and household income has increased dramatically in the 15 years Ive held the account. The only reason I can see for Citibank denying my request to reopen my account is because they do not want to pay me my rewards check. I am appalled and disheartened at the treatment I am receiving after being a loyal customer for 15  years. I expect my account to be reopened and for my membership benefits to be intact.

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 2021-02-18
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:
On XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX XXXX after an ad online for " XXXX XXXX XXXX   XXXX offered free credit reports, I gave them all my personal information, including SSN and credit card, assuming it would only be charged if I wanted a membership. But I didn't sign up knowingly for a membership. Or is the charge taken out of my bank account from Transunion? Either way I never received a letter of transaction from the company except from my bank account. The amount taken out was {$19.00}. 
I did write to the customer service and asked for a refund due to " free ' not being free. 
They have not contacted me as yet.

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 2023-08-05
Company: EQUIFAX, INC.
State: DE
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:
YOU ARE BREAKING THE LAW!!! 

RE : Late Payment Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that my consumer report has been adversely affected due to an inaccurate late payment. I believe XXXX, XXXX, and Equifax are violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provides me with documentary evidence that clarifies this billing error.

16 CFR 433.1 ( i ) states that a consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with Regulation Z, you can be fined for giving false and inaccurate information. I do not consent nor give these consumer reporting agencies permission to furnish this negative information pursuant to 15 USC 1681b ( a ) ( 2 ). 

No law under the Fair Credit Reporting Act requires XXXX, XXXX, and Equifax to furnish negative information to my consumer report. Furnishing false credit information is a violation of federal law and a violation of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
On XX/XX/2023 I got a report of an account in collections on my credit report. This is a fraudulent account, as I have never owned the associated account or lived at the address associated with the account. I filed a dispute with all major credit reporting agencies ( Experian, XXXX, XXXX ). I also contacted the collections service on XX/XX/2023. They instructed me to file a police report, which I have done. The incident report number is XXXX and was filed on XX/XX/2023. My dispute was rejected by Experian and I was told the information was confirmed even though this is not correct. I also tried to get Experian to remove the account from my credit report and they refused

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 2023-03-10
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid 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:
Care Credit Synchrony Bank, I applied and was accepted for 0 % interest in XXXX. I already had an account for years but they closed it and never notified me. The only reason I applied was to get my account back and a 0 % offer. 

I was approved and used the card and was charged 14.9 %!!! Synchrony Bank would not help me, claimed it was the providers fault. The provider said they used 0 % and told me Synchrony Bank would not help at all and correct the huge error that was not the providers or my fault.

I would have never applied or used any card that was 14.9 %. Never. 

Then they made my payment due right away and didn't notify me. Reported a late payment and charged interest multiple times. I will never use Care Credit again. This hard inquiry cost me lowered points on my credit score that I work hard for!! I feel like this was a total scam. 

I want the card and interest rate rescinded and my credit score restored to what it was prior to applying. I had a drop in like XXXX points!!! 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 2021-02-18
Company: FIRST NATIONAL BANK OF OMAHA
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my credit reports on XX/XX/XXXXand XX/XX/XXXXthat do not belong to me I have not approved nor inquired for these accounts. 

XXXX XXXX XX/XX/XXXX - Inquiry date : XX/XX/2021XX/XX/XXXXXXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXXXX/XX/XXXX - Inquiry date : XX/XX/2021 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A payment was sent to my PayPal account in the amount of {$270.00} and i am unable to transfer the money into my bank account due to PayPal putting limitations on the account not allowing me to get my money or do anything with the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, 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 sent a letter to EQUIFAX INFORMATION SERVICES ON XXXX XXXX and on XXXX XXXX HERE IS MY TRACKING NUMBER : XXXX via USPS, for the following items : XXXX XXXX XXXX  acct # XXXX balance XXXX XXXX XXXX XXXX - BALANCE XXXX HOWEVER ITS HAS BEEN MORE THAN XXXX days and THE ITEMS ARE STILL APPEARING ON MY CREDIT FILE and EQUIFAX HAS NOT ACKNOWLEDGED RECIEPT OF MY LETTERS DESPITE ME HAVING A TRACKING NUMBER! I HAVE DISPUTED THESE ACCOUNTS OVER ONE YEAR NOW!! I HAVE LET EQUIFAX KNOW THAT THIS ITEM IS FRAUDULENT AND IT SHOULD NOT CONTINUE TO REPORT AND THEY ALLOW THE COMPANY TO CONTINUE TO REPORT most RECENT REPORT WAS XX/XX/2023 EQUFAX ALLOWED XXXX XXXX XXXX TO UPDATE ACCOUNT BALANCE TO XXXX!! EQUIFAX HAS VIOLATED MY PRIVACY RIGHTS! 

15 USC 1682 section 602 A states I have a right to privacy 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-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 the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$270.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I spent hours on the phone with all 3 bureaus today and that gets you no where. All 3 bureaus are intentionally withholding or suppressing information from my credit file on purpose to keep my score from going up. They MUST BE STOPPED. 

My cousin in Florida added me to his XXXX account as an AUTHORIZED USER and here is the proof that the bureaus are lying. I have a credit monitoring service and last week and over the weekend I got an alert that a new address had been added to my file which is my cousins address and the address on his credit card. The bureaus each told me today that XXXX had not reported anything to them, but they are liars because if that were the case then the address would not have been reported. 

The bureaus are refusing to report a perfectly good tradeline to my credit file because they are intentionally trying to hold my credit score down or they are XXXX off that I have warned them that I will file complaints on a weekly basis to hold them accountable for the laws that they are breaking. There evil, law breaking ways need to be corrected. They need to be investigated and fine heavily for what they are doing. 

My cousin and I just called XXXX and they provided me 100 % proof that they have reported the tradeline to all 3 bureaus but the bureaus are refusing to report it. I want them fined and I want that trade line posted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: VA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$29000.00} XXXX XXXX XX/XX/XXXX 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
RE : SYNCHRONEY BANK BP VISA Dear Synchrony Bank : I had inquired about my BP visa card being over the limit. I made a payment on the XXXX which is my billing end date and the account was over the limit. I am requesting you update my credit card balance and dispute my account. You must list my account " disputed by consumer '' Failure to do so will constitute a violation of the FCRA. 

My credit score went down 56 points as a result of the interest charges that led my account to go over the credit limit. 

Please contact me at XXXX XXXX Sincerely , 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 2021-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo bank denied a claim on a cancelled order. I never received my merchandise and have been unable to contact the seller due to covid. I have lost {$400.00} and now can not afford my rent.

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 2023-08-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: MI
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX  XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$5200.00}.

Company response to consumer: Closed with explanation