BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX To whom it may concern : Per 12 CFR 1016.4 Initial privacy notice to consumers required, ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. I am opting out of your reporting services to Transunion, XXXX and XXXX. 

XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: GA
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted a dispute with Experian credit bureau on XX/XX/XXXX for a 30 day past due payment from XXXX XXXX. Payment was made before 30 days past due but due to the statement closing early XXXX XXXX reported this incorrectly. On XX/XX/XXXX  XXXX  XXXX completed the Experian dispute acknowledging the error and corrected the 30 Days Past due payment to Current for XX/XX/XXXX  on all three credit bureaus reports. Now XXXX XXXX has changed back the status for XXXX to 30 days past due and is refusing to correct the issue once I contacted them over the phone. This seems to have started due to Experian incorrectly filing an additional dispute in XXXX causing the issue to be re-opened when I never requested them to do so.

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 2023-09-15
Company: Kriya Capital, LLC
State: IL
Product: Credit reporting 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:
This company Credence Resource Management LLC has taken old, inaccurate and incorrect information ( {$4100.00} ) and used it to put a derogatory item on my credit report ( XXXX XXXX, XXXX  ). I do not owe this company any monies and have never done any business with this company!! They are in total violation of the current credit reporting legislation. I have been unjustly harmed due to this company 's egregious tactics. Again, this company has no record of me doing any business with them and they should be forced to correct my account with the credit reporting agencies expeditiously in a timely fashion! Thank for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-12-07
Company: EQUIFAX, INC.
State: CA
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:
XXXX. XXXX XXXX XXXX has for long attempted to collect on a debt not owed by way of their communication tactics. It has been awhile since I have communicated with them at this point. However they are reporting and furnishing information to my consumer report.

2. They are collecting some alleged debt for XXXX XXXX XXXX XXXX and are stating that I owe some sort of legal obligation to them to pay this debt.

3. I never agreed to any irrevocable obligation to an artificial entity that would cost me my labor for free or any irreparable harm inflicted on my reputation.

4. I have no personal connection or relationship with this collection agency other than their furnishing of this negative information.

5. As a mistake and to my confusion I mistakenly made a payment towards the account because I did not know my protections under the FCRA, FDCPA, Gramm Leech Bliley Act. Whereas I have rights that are geared to protect from from abusive debt collection practices that affect interstate commerce and invade my individual privacy. 

6. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and the consumer reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

7. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately.

8. Any and all security interest whether it be verbal, non-verbal, written, implied or otherwise is revoked and terminated effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: FL
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:
To whom it may concern : I have two credit cards with Chase. In XX/XX/XXXX, I have recently learned about XXXX interest benefits on credits card going back to XX/XX/XXXX, as per SCRA. I submitted my AD orders and got both cards down to 4 %. My issues are, XXXX XXXX was open in XXXX and XXXX XXXX was open in XXXX. I served from XX/XX/XXXX to XX/XX/XXXX, got released, and join the XXXX the same day. On XX/XX/XXXX, I volunteered for AD orders and am still on orders today. ( XXXX from XXXX XXXX XXXX XXXX Since learning about XXXX in XX/XX/XXXX, I send them my most recent orders from XX/XX/XXXX. Chase has honored the interest benefits starting only from XX/XX/XXXX. Today, I sent them my XXXX showing my AD service from XXXX and was informed that those 11 years of service can not be honored because they were not notified 9 months after I was XXXX. My complaint is, XXXX is the only legitimate government document we have to prove for VA benefits XXXX state benefits, housing benefits, student loans benefits, and jobs... but it is not good enough for the banks, i.e. CHASE to honor our time served " because they were not notified within a timeframe. '' XXXX the timeline! XXXX does not have a timeline! It does not matter if I just found out today or found out after 20 years with a pension, I believe AD members should get the differences in interest rates refunded for ANY of the time while they were on orders. My XXXX should be sufficient regardless of the timeline and when notified. I believe this should be fixed. I believe the clause to notify the banks within 180 days or 9 months should be looked at. Unbelievable. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-01-01
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: Information belongs to someone else

Complaint:
It says I was late or bankrupt but I can't find any proof of that in my records. The cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX un-authorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good evening. I was reviewing my XXXX inquiries and noticed that an inquiry under the name Cbna/bby appears for the date of XX/XX/2017. I would like to state that I had stated to the Best Buy employee that I had no prior existing credit whatsoever and yet was still told to proceed with the application which was then denied. I believe this act was unjust on the best buy employee 's end because I was mislead into thinking I would even be approved for store credit in order to purchase the item in payments ( which I actually had the cash in hand for ). It is not fair that a store would still have a teenager attempt an application in effort of them to attempt to receive another account receivable who would have to pay a higher interest on their purchase.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: AR
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 hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the numerous attempts I have made to correct the issue of late open accounts associated with Credit Bureaus. 

Over the past, I have made several attempts to address the matter of late open accounts, but unfortunately, the issue persists. Despite my efforts to resolve the situation through various channels, I have not received a satisfactory resolution. The persistence of this problem has caused me significant stress and inconvenience. 

To provide context, I have diligently followed the recommended procedures outlined in your customer service guidelines and have communicated with your representatives on multiple occasions. However, despite my best efforts, the issue remains unresolved.

I have attached copies of the correspondence and documentation related to my attempts to rectify this matter. This includes reference numbers, dates of communication, and any relevant screenshots or statements that may aid in understanding the gravity of the situation. 

I understand that oversights can occur, but the continued presence of late open accounts on my account is unacceptable. I urge you to conduct a thorough investigation into this matter and take immediate action to rectify the situation. Additionally, I request that you provide me with a detailed explanation of the cause behind the recurring issue and assurances that steps will be taken to prevent its recurrence in the future.

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant consumer protection agencies and consider legal action to protect my rights. I am asking for your assistance to correct these late open accounts in my credit file : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} ; DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX i begin calling to request 15 u.s. code 1681c on all hard inquiries bein reported on my credit report. In XXXX i paid a company XXXX XXXX XXXX XXXX XXXX to get the exact same hard inquiries removed that had been popping up and continued to be repeatedly reported as new inquiries on my report. nothing was removed in XXXX, so in XXXX i myself called and wrote letters with these same request, all were ignored by transUnion, XXXX and XXXX removed some things but not all. so i again in XX/XX/XXXX i hired XXXX  to dispute these things that were not only being reported on my credit report still but they were being reported with updated dates as though they were recent and not already old, over the phone i was cursed out, told to hush, and hung up on, still no results, at this point i don't know what else to do, but i would like all hard inquiries and collections to be removed from my credit report due to section 15 U.S. Code 1679c. They have violated section 15 USC 1681b, i did not consent to any of those and have correctly multiple times asked for an investigation to be done only to be told it was all correct and the original dates on them to be updated as to last even longer on 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 2023-09-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2019-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a joint account with my son. On XX/XX/XXXX he made a mobile deposit for {$820.00}. He thought the deposit did not go through accurately so he took the check to the ATM and deposited the same check. Wells Fargo decided to reject both transactions. The bank then sent a letter and copy of the check back to me. On XX/XX/XXXX I took the copy of the check back to the bank. The teller and branch manager proceeded to tell me that the check was valid and thus, they deposited the check. Then on XX/XX/XXXX, Wells Fargo rejected the deposit again. I was told I had to go back to the maker to get a new check. However, the maker claims that Wells Fargo cashed the check and thus will not provide a new check. Consequently, I am still out {$820.00} and Wells Fargo refuses to return my money. What recourse do I have? Clearly Wells Fargo stills has my money but refuses to reimburse me.

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 2020-12-02
Company: KBHS Home Loans, LLC
State: FL
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:
XX/XX/XXXX KB Homes ran my credit without my consent and caused damage to my credit score. I spoke with the lender who ran my credit without my consent and he said that " I'm Sorry '', he just did what the other lender told him to do. He felt bad about my situation but he never resolved the situation. He said dont worry is only a few points, I'm very disappointed and I want to make sure my credit is the same as before their ran my credit and most important alert others about what they are doing.

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