BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
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:
I am interested in disputing all incorrect information on my credit report with Transunion due to the inaccuracy on my file. please update asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: EQUIFAX, 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:
This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3. My FTC report 4. My Small claim form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$3400.00}

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 non-monetary relief
Consumer complaint received 2020-08-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - XXXX XX/XX/2020 - XXXX & Experian XX/XX/2020 - XXXX & Experian & XXXX XX/XX/2020 - XXXX   XX/XX/2020 - XXXX & Experian XX/XX/2020 - Experian & XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - Experian

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 2020-10-21
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-07-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 Service for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX was completed and a check for {$750.00} was signed by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) was mailed. 
XX/XX/2023 Check from XXXX XXXX XXXXXXXX was deposited into my ( XXXX XXXX ) checking account ending in XXXX ( Check # XXXX ). 
XX/XX/2023 Check is shown to be posted and processed by issuing bank ( XXXX XXXX ) XX/XX/2023 Check was under investigation for alleged fraudulent activity and account was placed on hold. 
XX/XX/2023 Check deemed fraudulent and checking account in the beginning stage of closure without any warning or reason. 
XX/XX/2023 Account still in process of closure and funds previously on account have been held as well as the {$750.00} check deposited. 
XX/XX/2023 Told I was unable to create a claim to retrieve the funds of {$750.00} from check deposited as well as the XXXX XXXXXXXX that was previously in account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.

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 2022-12-21
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a complaint with this company and would like it reviewed as I feel that they retaliated against me after I filed a complaint. My initial complaint was because of Victoria secret issuing 2 late payments due to their system error and applying a {$2.00} late fee without notifying me. After almost a year they have fixed this issue and in the middle of me filing a consumer complaint they closed my store card causing my credit score to drop XXXX XXXX. Their late payments have already affected me personally and financially now this major drop with my credit score is where I draw the line. I called and asked them why my card was closed they advised me it was due to fraud. I have never placed any fraud alerts on my account I have only frozen my credit score to prevent companies like them for causing unnecessary damage to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: VALLEY NATIONAL BANCORP
State: CT
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 ordered a new vehicle from XXXX XXXX, XXXX, CT. I was contacted on XX/XX/XXXX that my vehicle was delivered. I was sent the website link for XXXX XXXX XXXX to apply for a loan to take delivery. I filled out the online application on XX/XX/XXXX at XXXX XXXX XXXX. The website specifically explains my information will not be shared. On XX/XX/XXXX at XXXX XXXX my application was printed and the information provided to Valley National Bank without my approval or notification. On XX/XX/XXXX XXXX XXXX provided me information for my insurance binder. It was at that time I was told I was financed with Valley National Bank. I inquired why my credit was ran and shopped to other institutions. I was told that I authorized this with the consumer release I signed at the dealer when I ordered my truck. Since the dealership was closed due to covid I knew this was a lie. I did not sign any release. I decided to go forward with the purchase since I was without a car at that point since my car was sold to the dealer the week prior. On XX/XX/XXXX at delivery I was given the credit application to sign authorizing my credit to be ran. Obviously this was a moot point since my credit was already ran. I specifically did not want my credit ran multiple times and didn't care to get the " best available rate '' since my intent was to pay off the loan after purchase. I only took the loan for east of transaction. The loan was paid off the day after delivery. The second reason I do not allow my loan to be shopped it I own a XXXX XXXX. I do not allow my information to be shared as it could cross the desk of a local XXXX XXXX and be seen by a customer. Both XXXX XXXX and Valley National Bank ran my credit and shared my personal information without approval. I have worked on getting the additional inquiries off of my report for 6 weeks. The bank has not been supportive in getting the inquiry removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to cash a {$2000.00} check from a guy that I met on an online dating website. It was stupid, I know that now. But anyways I thought I would open a bank account with part of it and the rest I would send back to him. I learned from my mistake. Looking back over it now I can see all the red flag signs that I chose to over look. But it obviously turned out to be a fraudulent check. I have since tried to be a better person. I don't do any online dating and since been trying to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a 1st mortgage and a 2nd mortgage ( HELOC ) with US Bank ( www.usbank.com ) secured by our primary residence in XXXX, MN. 

Our monthly P & I payment for the two mortgages was {$3200.00} before we entered Covid-19 forbearance. 

If we could refinance at today 's lower interest rates, our monthly P & I for both mortgages ( 30-year fixed ) would be less than {$1600.00}. 

I have called US Bank multiple times ( transferred to multiple departments ) offering this " refinance of the two mortgages '' as a resolution to the forbearance and am told that we can not refinance our mortgages until we are out of forbearance and caught up on payments due.

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 2020-10-21
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:
Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

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 2020-08-14
Company: AES/PHEAA
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: Account information incorrect

Complaint:
Fed loan shows delinquent payments for XXXX, XXXX, XXXX, XXXX. 

I have spoken to them repeatedly to provide proof I was late. They do not respond. 

I need Fed loan to prove I was delinquent on these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Caliber Home Loans, 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:
Caliber Home Loans, Inc is reporting that I have fraud on my credit agencies report and I have not reported any fraud to any agency and have stated this. I did put a freeze on all my credit agencies account to make sure no one could use my credit. I have called Caliber on 4 different occasions since XX/XX/XXXX concerning this matter. I have spoken to customer service and no one has given me any explanation on this matter, my last call was today, XX/XX/2020 and I spoke to a XXXX agency number:XXXX who informed me she needs 72 hours to research this matter. 

Caliber has removed their account from all my credit reports causing my credit rating to drop and cause harm by hurting my chances for any type of credit being approved at this time. They have refused to tell me what type of fraud and give any proof of this fraud. They have requested personal information from me that I was told by the original lender XXXX XXXX XXXXXXXX, they received from them and can request directly from them again this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing this letter to file a complaint about a fraudulent charge to my Sears Master Card credit card. On XX/XX/2018, we noticed a fraudulent charge to our credit card from a company in XXXX XXXX XXXX. The company, XXXX charged us {$43.00} for goods and services that we did not authorize. We called and filed a dispute with the credit card company stating that the charge was not authorized. The credit card company opened an investigation to the matter and concluded that the charge was not authorized by us. They reversed the charge. One month later, on XX/XX/2018, we noticed another charge from XXXX for the same amount of {$41.00}. This time we noticed that we were charged an additional {$41.00} from a different company in XXXX XXXX XXXX called XXXX XXXX. We called the credit card company once again to dispute both charges. The credit card company reversed the XX/XX/XXXX charge of {$41.00} and closed our account at our request. The company issued us new cards, but transferred the {$41.00} from XXXX XXXX to our new card. On XX/XX/XXXX, I called the company to file another dispute for the transferred amount and the credit card company opened a new investigation. I received a letter dated XX/XX/2018 that stated that they credit card company had concluded that we gave this company in XXXX XXXX XXXX our credit card number and they were going to reissue the charge to our card. I called the credit card company to speak to a representative to ask for the evidence that was used to determine that we authorize this XXXX XXXX company to charge our card, but I was told that I could not speak to anyone regarding this matter. I need help with this company because they are not being transparent with me regarding how they came to the conclusion that we were complicit in authorizing this charge.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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