BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
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. 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 2021-03-08
Company: Experian Information Solutions Inc.
State: CA
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 have disputed XXXX XXXX XXXX  several times with Experian and they are still reporting erroneous and inaccurate information. I understand the FCRA laws and this is why I am filing a complaint with the CFPB now.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-07-20
Company: World Omni Financial Corp.
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:
Southeast Toyota Finance company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX refuses to stop reporting. They are removed from Experian. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital One requested why payments were returned. 
I already explained in the first letter for the following reasons : XX/XX/2023 RE : Requested wave from Late payment 30 days from Capital One account. If you explain the XXXX -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically XXXX {$34.00} for XXXX months. I immediately contacted the bank and stopped the Debit Card. But there was passing without knowing that Capital Payment was paid. I continued to receive a message that I couldn't pay for it in Capital One, but I thought it was the wrong message. Later, I found out that Debit Card had a capital one payment on a card that was stopped, but I knew that it was already reported to the credit-related company. I admit that I made my mistake, but I am disappointed that my credit score has gone down over XXXX points. I want to make a good credit and I will ask you to exclude the credit company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EASTERN BANKSHARES INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened the checking account with Eastern bank on XXXX as per promotion incentive to get {$600.00} if I do combine {$15000.00} direct deposits, which I did already a month back. I should get the incentive in 30 days after qualification as per the term they advertised clearly as below. 
" Account must be open and have a positive balance. Incentives for qualified accounts will be deposited into customers account no later than 30 calendar days after confirmation that the account has met all the requirements. '' However, I called twice and also email to banking officer where I opened this account got all misleading information. Banking officer replied I am not qualified. The customer service said I have to wait till XXXX as it will be paid after 120 days which is a clear cut deviation of the terms mentioned by them while opening.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i have been a victim of identity theft in the past. My information has been involved in a recent data Breach. These new inquiries were not authorized by me and i demand the removal of these accounts. I am alleging that a person or company without authorization from unauthorized use of my social security number and card used my personal info to apply for goods, services or money. I Have no knowledge of these inquires and need them removed from my account immediately because it is hurting my chances of receiving a mortgage.. Inquires that were not authorized are -XXXX XXXX XXXXXXXX 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 2021-07-06
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, I was a loyal XXXX customer for over 12 years having a one time, 10 lines on the account. Despite being laid-off twice, I never, ever fell behind on a single payment ( or any other account for that matter ). Due to XXXX  poor service and overcharges, we began cancelling lines in XX/XX/XXXX with the last line being cancelled on or about XX/XX/XXXX. I asked several times starting in XXXX, if there was a balance and was told no. We closed in good standing with our autopay on XX/XX/XXXX. On XX/XX/XXXX, we had another auto-pay of {$110.00} ( after the account had been closed ). This charge was for the wrong device ( XXXX XXXX ) on line ( XXXX XXXX XXXX which had a fully-paid XXXX XXXX. Statement shows {$0.00} balance. 

For background, I did purchase a XXXX XXXX with a off promotion exclusively for line XXXX XXXX XXXX XXXX. The device was paid in full in XX/XX/XXXX, but XXXX continued to charge as if it were regular price. XXXX actually over-charged me {$240.00}. When XXXX called me, I explained the situation but they still sent me to collections. This is a scam by XXXX. 

I received a call from XXXX XXXX and a letter for them dated XX/XX/XXXX, for an amount of {$140.00}. I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. 

I received a call from XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$440.00}. I explained the situation, and that I disputed the charge. Never heard back from them. 

Then, I received a call from XXXX XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$150.00}. Again, I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. On or about XX/XX/XXXX, XXXX had the charge listed on my credit report. 

I once again dispute this charge and I am confident this charge is in error. I am requesting debt validation with a full payment history, copy of all notes on the account, and why the charge mysteriously appeared over 3 months after I announced that I was cancelling service and almost 2 months after the account was closed. 

I further request to have the collection account promptly removed from my credit report. 

Thank you. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
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:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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: Account status incorrect

Complaint:
Please know that I was not late on XXXX XXXX XXXX I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!

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 2020-07-21
Company: Real Time Group, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed, by and through my attorney, to Real Time Resolutions ( Real Time ) a Qualified Written Request and Notice of Error pursuant to 15 U.S.C. 2605 et seq. and a Notice of Error pursuant to 12 C.F.R. 1024.35 on XX/XX/2020. The purpose of the Qualified Written Request and Notice of Error was to notify Real Time that the lien on the property is expired because the statute of limitations to enforce the promissory note and mortgage granting the lien have expired. I submitted my Qualified Written Request and Notice of Error to Real Time because Real Time purports to be the mortgage servicer although there is no assignment of mortgage recorded in favor of Real Time. Real Times inadequate response to the Qualified Written Request and Notice of Error is the basis of this complaint. 

On XX/XX/2020, Real Time purported to respond to my XX/XX/2020 Qualified Written Request and Notice of Error. Although my XX/XX/2020 Qualified Written Request and Notice of Error clearly and unequivocally informs Real Time that the promissory note and mortgage it purports to collect upon are expired under Michigan law, Real Times XX/XX/2020 letter seeks to collect an alleged balance of {$170000.00}, when any amount that was allegedly owed to Real Time or the creditor Real Time allegedly services the loan on behalf of is now an expired debt under Michigan law. 

Real Times XX/XX/2020 states, '' Real Time Resolutions , Inc. ( RTR ) is servicing a delinquent mortgage with respect to the above-referenced property .. .RTRs documentation shows that a lien associated with this account remains on the property. If you have reason to believe that this not true, please contact RTR so that we can update our records. '' As requested on page 2 of my Qualified Written Request and Notice of Error, Real Time failed to 1 ) make appropriate corrections to indicate that the debt and mortgage are expired, 2 ) release the lien associated with the expired mortgage, or 3 ) provide me with a written explanation or clarification if RTR [ Real Time ] believes the account is correct.

Real Times XX/XX/2020 letter fails to provide a substantive response to my XX/XX/2020 letter because Real Time does not address my assertion that the promissory note and the mortgage securing the promissory note are both expired under Michigan law. Real Time further fails to provide a substantive explanation as to why Real Times lien is valid if the promissory note and mortgage from which the lien was derived are no longer valid. Real Times XX/XX/2020 letter is an implicit refusal to remove the lien but provides no legal explanation as to why Real Time is entitled to enforce the purported lien in light of the expired promissory note and expired mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2023-05-27
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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence violates the FDCPA and FCRA. I insist on their immediate deletion and removal from my consumer report, as their continued presence constitutes a violation of multiple laws. I kindly request that you promptly take action to remove these accounts and associated information.

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 2023-07-09
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX XXXX. This was a fraudulent inquiry and was NOT done by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report AND on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX and XXXX multiple times. I have called XXXX XXXX multiple times. I have sent a letter & a follow up letter to XXXX XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX XXXX from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called XXXX multiple times. I have sent a letter & a follow up letter to XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 


Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for Citi Bank, NA. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called Citi Bank Best Buy multiple times. I have sent a letter & a follow up letter to Citi Bank. All of these efforts were made to report fraud and to have the hard inquiry from Citi Bank *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

On XX/XX/XXXX I implemented a Freeze and a Fraudulent Alert on all of three credit bureaus. 

There were other fraudulent hard inquiries ( including one from XXXX  ) that were also on my XXXX credit report ( along with the ones above ) but XXXX was GREAT and removed ALL of the hard inquiries very quickly. 

I have already spent hours and hours on this since XX/XX/XXXX. 

I am writing to ask for your help to please have these XXXX ( XXXX ) fraudulent hard inquiries removed from my credit reports. 

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 non-monetary relief
Consumer complaint received 2020-07-20
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
SunTrust Bank closed my bank account a year ago but would not return the {$2900.00} I had in there. They said they had to hold it for a year INCASE someone came back on the funds. It's been a year. Nobody came back on the funds so I'd like my money refunded to me! They are giving me a big run around! First they wanted me to go to a local branch. That was impossible! There are NO local branches in Ohio! The closest branch is in TN some 380 miles away. I can not drive that because I turned XXXX today and I am XXXX an can NOT drive that far! So they said send a notorized letter with my Driver 's  license on the letter to any branch! I've done that! But then they said I had to have the the person who made the last deposit ask for it n they could give it to me! That too is impossible because I no longer associate with that person an have no idea how to find them! I am fed up with all these rediculus requests! I just want my money back!! It's been over a year now! This is a checking account Thank you, 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