BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-02-10
Company: Experian Information Solutions 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 received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX : XXXX... 
XXXX, XXXX. : XXXX... 
XXXX & XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have attached a copy of my ID for identity verification and a bill for address verification.

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 2021-12-14
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 Citi froze my account without any notice. They refused to give me any information in regards to the debtor. After hiring an attorney and doing research we were able to find the debtor. After going to court and getting a court order Citi bank received a copy of the court order on XX/XX/2021. As of today XX/XX/2021 this court order has not been proceed by the bank and the funds have not been released. Everyone Ive spoken to in the branch as well as over the phone has not had any answers. I also provided the same court order as the debtor and they both have went unanswered by Citi Bank.

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 2020-09-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The reason for my CFPB complaint is I met the Citibank promotion requirements for their Basic Checking Accounts for two separate accounts, one for me and one for my wife as described below, and Citibank should deposit {$200.00} each into our accounts. Here are the details : On XX/XX/2020 I responded to Citibanks public offer for new checking account promotions. I opened a Citi Basic Checking account # ending in XXXX for myself with the promo terms of {$200.00} with a {$5000.00} deposit maintained in the ckg acct for 60 days. 

On XX/XX/2020 I spoke with the Citi Customer Service Representative to ask what address I should send my {$5000.00} deposit check to, and he responded : XXXX XXXX XXXX, XXXX, KY XXXX. I arranged for online payment of this check for {$5000.00} from my XXXX XXXX ckg acct on the XX/XX/XXXX. XXXX XXXX # XXXX was confirmed received by Citi on XX/XX/XXXX via a letter from Citi Cards - Payment Investigations. I received a copy of the cancelled check. 

Separately, my wife XXXX XXXX XXXX also opened a Citi Basic Checking account with the promo terms of {$200.00} with a {$5000.00} deposit maintained in the ckg acct XXXX for 60 days. I arranged for online payment of this check for {$5000.00} from my XXXX XXXX ckg acct on the following day, XX/XX/XXXX. XXXX XXXX # XXXX was confirmed received by Citi on XX/XX/XXXX via a letter from Citi Cards - Payment Investigations. I received a copy of the cancelled check. 

Therefore these two checks were confirmed received by Citibank, but never deposited in the newly-opened Basic Checking Accounts. I contacted Citi numerous times by telephone and in writing instructing them to deposit the two checks in the respective accounts for myself and my wife, and they never did this. 

Citi returned the $ XXXX funds to us separately on XX/XX/XXXX for my wife and XX/XX/XXXX for me. 

In separate emails sent to my wife and myself on XX/XX/XXXX, Citi states weve determined you havent fulfilled the Offers eligibility requirements for the following reason : The required deposit balances were not met during the offer period. 

My position is that both my wife and I met the promotion requirements since Citi held our $ XXXX funds for well over 60 days, and therefore should deposit the promo reward of {$200.00} each in our Citi ckg accts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX have some accounts showing on my credit report I have attached supporting documents delete account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX XXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$420.00}, ( 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 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account I have tried to dispute and ask for verification and never received any letters or confirmation. I need this deleted and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: DE
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:
XX/XX/2021 I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to XXXX. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items.

15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER

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 2022-01-15
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a debt with radius global solutions in the amount of {$1100.00} in exchange for a removal of the debt off of my credit report on XX/XX/2021 they removed the collection off of my XXXX and XXXX report but not off of XXXX I called them in XXXX of 2021 and told them that the collection is still reporting on my XXXX a rep told me that theyll resolve it and as of today nothing has been done I even tried disputing the collection through XXXX but it didnt result in a removal. I will like for radius global to get this debt removed off of my XXXX report as agreed on when I settled the 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 2021-07-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, XXXX  XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX  XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I called ( XXXX ) XXXX to request my XXXX free annual credit report from TransUnion. Today I received a letter that states that " the current mailing address you provided is not listed in our records '' and for that reason I would have to submit XXXX forms of verification of my current address. I am complaining because the last XXXX credit reports that I received from TransUnion were sent to me at my current address, and they DID include my current mailing address in the address history. I 've been at my current address for seven years and I have never requested that my current address removed. TransUnion 's record keeping is shoddy at best.

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 2023-07-14
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2019-12-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a zero interest if paid within one year credit card that was issued by Wells Fargo for an XXXX central air unit. I have automatic payments. I want to change the payment to increase it, but the Wells Fargo website says i can't change it online, but I have to call customer service. I called customer service and they told me they can't change the payment, they can only cancel the current payment and add a new one,  which will take 30 days to become effective. That means it would miss my next due date ( or as its 30 days, any consumers due date ), and I might be late on my payment, triggering all of the interest they forego when I pay my balance in full within one year. 
Very crooked customer service from Wells Fargo, the issuer.

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 2018-12-21
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They claim to have contacted me on certain dates. It is a flat out lie, PHONE RECORDS will prove it when this is seen by an attorney as well as all the other documentation we have that proves that Chase Bank is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to express my profound frustration and dissatisfaction with the persistent presence of fraudulent items on my credit report despite multiple attempts to have them removed. The ongoing failure to address this critical matter has not only damaged my creditworthiness but has also caused significant emotional distress and financial uncertainty. 

I initially identified these fraudulent items on my credit report and promptly initiated the necessary procedures to dispute and remove them. Despite submitting detailed explanations, supporting documentation, and following your established dispute resolution process, these fraudulent entries persist. 

This situation is intolerable, as it undermines the fundamental integrity of my credit report and compromises my ability to engage in essential financial transactions. I have faithfully adhered to the established protocols, yet the fraudulent items continue to tarnish my credit history. 

I insist on an immediate and thorough investigation into this matter, with a focus on rectifying the ongoing presence of fraudulent items on my credit report. Additionally, I demand a comprehensive explanation for the repeated failures to address and rectify this issue. 

I expect this matter to be treated with the utmost urgency, and I anticipate a detailed response within the exact timeframe from the date of this letter. Failure to resolve this matter promptly will leave me with no alternative but to escalate my complaint to regulatory authorities and seek legal remedies to rectify these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the supporting documentation for your reference. I trust that this will be the final occasion on which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
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:
Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 
Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: NC
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:
On today XX/XX/XXXX I have noticed several inquiries on my credit profile amongst all 3 credit bureaus I haven't given authorization to inquire of my credit profile or have voluntary done so. I need the inquiries removed from my credit profile under the Federal Credit Report Act these inquiries should be removed immediately based on fraudulent reporting.I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. 

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

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 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE CREDIT SCORE

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 2023-12-10
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complaint : regarding cash deposit machine ( ATM ) Bank name : Old National Bank Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Spoke to : Community Market XXXX. XXXX XXXX XXXX, VP and Relationship Banker XXXX XXXX On XX/XX/2023 i deposited the amount of {$4000.00}. in cash using the ATM locate at the above address ( ATM ID # XXXX ) but the cash deposited was not credited to my bank account. This usually takes no time to deposit the money because of all the video cameras around you but this time the money got stuck in the machine and the amount was not credited to my 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