BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
Any physical proof that an account established by me, should be sent to me with such direct information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX  XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$3600.00} ( 3 ) XXXX XXXX   {$830.00} ( 4 ) XXXX XXXX  {$440.00} ( 5 ) XXXX XXXX {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: R.M. Galicia, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I was XXXX XXXX military and insured by XXXX XXXX XXXX status of XXXX XXXX also insured by XXXX  This is a violation of HIPPA due to my medical records being shared with a 3rd party collector. Im requesting that this is removed from my credit. It shows on my credit four times for various amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, 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:
I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX, Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: MD
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:
I sent a letter XX/XX/2018 to Experian which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I have not received a response from Experian to this letter and the accuracy to the report. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but also failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.

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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is a fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : 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 explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX {$2700.00} XXXX {$1300.00} XXXX {$580.00} XXXX {$410.00} XXXX {$2300.00} XXXX {$330.00} XXXX {$590.00} XXXX {$840.00} XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened checking and savings accounts with Citizens Bank specifically to earn a promotional bonus. Only part of the promotion was credited to my account. Please see attached for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
One day while shopping at Costco an employee at the customer service area approached me about a credit card w/Citibank & Costco, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by Costco meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at Costco that day, plus more as I was receiving harassing phone calls from Citibank stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what Citibank stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from Citibank stating that they sent the credit card to my address and that it had been returned which I never knew until receiving Citibank 's letters that Citibank attempted to send me a credit card twice and they were returned. I told that Costco rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that Citibank is charging me was not an amount of purchased items as I paid my one time shop spree with Costco 's temporary paper slip, so my question is why is Citibank stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is Citibank continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called Citibank to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that Citibank attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.

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 2020-10-09
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was opened years ago and settled in XX/XX/2020. The account is still listed on my credit and when I dispute for removal they add more incorrect balance, date and payment etc. This account is affecting me getting a home for incorrect information. Please help. I disputed this with the original creditor and they told me the account was sold to Midland Credit and that is who I also settled the account with. I would like this account removed like the other ones I paid off with the same company. Midland Credit keeps saying it belongs to XXXX XXXX  and they replied saying it belongs to Midland Credit. I just would like the account removed because it has been paid and the info On my report is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I already have a Bank of America credit card and a XXXX XXXX investment account. For the last few months, I kept receiving promotional emails from Bank of America, encouraging me to open a Bank of America checking account by the end of XX/XX/XXXX, and earn a {$300.00} cash bonus. On Friday, XX/XX/XXXX, I went into the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX and talked to a financial solutions advisor named " XXXX XXXX ''. It took a really long time, and she had to get multiple approvals from the branch manager, as well as the account opening supervisor on the phone, however, she was able to finally open a checking and a savings account for me : Checking Account # XXXX Savings Account # XXXX On XX/XX/XXXX, I noticed I could not login to my online banking account. I immediately contacted Bank of America on the phone afterwards, and was told that my deposit accounts ( BofA checking and savings ) were being closed, and the only reason the agent on the phone provided to me was that Bank of America has made the business decision not to do business with me, which does not make sense to me at all, since I am already doing business with Bank of America by having a premium credit card account and a XXXX XXXX investment account. The only reason I decided to apply for these deposit accounts were the targeted cash bonus emails they kept sending to me on a bi-weakly basis. 
Given that I have no negative remarks on any of my credit reports as well as my XXXX XXXX, and my business relationship with Bank of America has been satisfactory so far for both parties, I would appreciate it, if Bank of America could reconsider the decision to close my newly opened accounts, and reopen the aforementioned checking and savings accounts. Thank you for your time and consideration. 
-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 monetary relief
Consumer complaint received 2017-12-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Over a year ago my accounts were closed by Chase, only after I originally had an account for over 8 years. I finally decided to close this account. I thought I wouldnt need it at the time. I then got a new job, and decided to open a new total checking account. After only a week open and one deposit, chase told me they were closing my accounts. After many months of intensive research. I had come to determine that I am not a risk to Chase. I havent ever filed disputes. My identity was stolen. After asking chase why at the time the lady in the loss prevention department told me it was because of something on my Consumer report, that if I got it removed they would fix my accounts. Well I went into the XXXX, TX branch and was told that my accounts had notes, saying do not open any new accounts call fraud. However I havent ever committed fraud and the manager said he wasnt sure. I ventured into another branch a few months later and was told there werent any notes on my accounts. I would like the decision to be re reviewed. After searching, the claims were not filed by me, in fact my identity was stolen. I placed alerts on all my reports as well, as notified the FTC. What was happening is I had unauthorized charges, which followed unauthorized Claims. These were not from me. I want a second chance, as I am a victim. Prior to that I was in excellent relationship status with the Bank. All my family banks with Chase, as Chase Private Clients. I called last night again XX/XX/2017, after speaking to this nice lady at executive office was told they would research my accounts. When I called last night the rep told me there is notes on there saying fraud again. I dont understand where these notes come from, I have never committed fraud. I would like this to be re reviewed because I dont believe you took into account all the information I notified chase of. Im not a risk. My investments are through Jpmorgan. I would bring all my employer direct deposits, as well as my investment accounts to the bank. Chase, it is my first bank acct. its convenient and Chase customer service is amazing. offers very amazing incentives. I believe I should be able to show the bank and prove Im not a risk. That instead Im a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: REGIONS FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/XXXX I sent certified mail to XXXX disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with XXXX and included a copy of the XXXX XXXX of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think XXXX is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to XXXX, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.

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 2019-01-31
Company: D2 Management LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have received calls about said account. Loan was allegedly taken in XX/XX/2010. I was not residing at address on the alleged loan. I also have a sworn affidavit on file with the IRS, involving identity theft. This company has called me from XXXX, XXXX, and other non-working numbers. I have also had a threat of a lien being placed on my vehicle title for this phantom debt. I have been going through a medical situation, and I do not need the added stress of constant harassment from a company collecting on a debt that is over 8 years old, and the parent company is defunct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Credit Plus Inc
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian continues to report 2 bankruptcies on my credit file both are showing as a Chapter XXXX one filed in XXXX and discharged and then another filed XX/XX/XXXX. Please note the one filed is past the statue of limitations and should not be reporting now and the other is not correct. You can not file a chapter XXXX again for 8 years! There is no way XX/XX/XXXX is accurate! They do not seem to know that the guidelines are for bankruptcy or they would know is this a huge mistake!!!!

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 2018-06-12
Company: Harley Davidson Financial Services Inc
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
HDFS gave me a settlement offer I told them I was selling it to the dealer then a lady named XXXX violated my rights. The dealer said all they needed to pay it off was the letter then XXXX discriminated and discussed my account. The federal Gramm-Leach-Bliley Act of  1999 created a new opportunity for you to limit the transfer of your personal financial information. The law attempts to balance your right to privacy with financial institutions ' need to share information for normal business purposes.

Company response to consumer: Closed with explanation