BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: SC
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 submitted this complaint to update this suspicious information. EQUIFAX and XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: OR
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:
After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Experian, I asked for validation from Experian. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 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.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America closed my account without notice and proper reason and frozen my cash back rewards. 
They also refused to redeem my rewards. 
1 account is XXXX. The other one is XXXX. 
XXXX is 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 2018-02-08
Company: Franklin Collection Service, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has acknowledged that they incorrectly billed me {$260.00} for account number XXXX. However, XXXX XXXX   ( FCSI ) continues to try to collect this amount on XXXX XXXX XXXX behalf even after being notified and shown a letter from XXXX XXXX XXXX stating that I do not owe the amount. FCSI has fraudulently reported the debt on my credit report causing my credit score to go down by 16 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX investigation and re-investigation verified with XXXX and the result is public records are UNVERIFIABLE. XXXX XXXX has disputed with the credit bureaus on my behalf without a 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 non-monetary relief
Consumer complaint received 2019-12-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a citibank checking account and saving account package at XXXX for a promotion XXXX bucks if i deposit XXXX total and keep this amount 60 days. Then I finished their requirement. And contact them for my bonus at XXXX. I have been told I will receive my bonus in 90 days before XXXX. So I wait for another month and contact them again to double check everything is right at XXXX. I got promised bonus is on its way. But everything is change when I contact them why my bonus still not post yet at XXXX. They told me I am not qualify the bonus. Because I do have account with them at XXXX. What?? Why they don't tell me early since I deposit their bank almost 6 months. I thought they promised it they should honor it.

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 2021-04-12
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: Account information incorrect

Complaint:
MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 XXXX XXXX IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Credit inquiries remain on our credit reports for a couple years, hurting our credit score and affecting our ability to obtain credit. 

Some shady door-to-door company, XXXX, came to my house in XX/XX/2019 selling alarm systems. They asked for my social security number when I asked them pre-sales questions. I refused to provide it, as I was just inquiring and did not want my credit pulled. They asked for my name and they had my address already. They plugged it into something and said excited they didn't need my social security number. I didn't think anything of it at the time. Now, I see on my Transunion credit report, they pulled my credit anyway. I hadn't even signed up for service when they pulled it. They pulled it without my permission. 

Also, someone fraudulently opened a XXXX account in my name in XX/XX/2019. Transunion removed it from my credit report. However, there is still a credit inquiry on my Transunion credit report. I shouldn't be dinged for something I had nothing to do with. 

I reported these 2 false credit inquiries to Transunion. They just sent me back a Captain Obvious letter stating what a credit inquiry is. 

Transunion needs to remove the XXXX and XXXX credit inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Thursday, XX/XX/2023, I entered the Chase bank branch at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I used the ATM machine right in front of the tellers ' windows inside the branch to withdraw {$500.00} in one-hundred dollar bills. I was charged by Chase {$3.00} for using the machine. Clearly, and without question, Chase was more than happy to allow me to use the machine and, furthermore, was even more happy to have me pay Chase a fee of {$3.00} to do so. However, I noticed that one of the bills disbursed by the machine was an old one-hundred dollar bill, and so I asked the teller to exchange it for a new style one-hundred. Again, I had used the cash machine right in front of the teller and also I was the only customer in the bank at the time. The teller exchanged the bill, but then I noticed yet another of the bills disbursed by the Chase machine, and for which, as referenced above, I had been charged a fee of {$3.00} to use, was also old. I asked to also exchange that one. At that point the teller refused. I asked for the branch manager and the teller, with quite an increased attitude, called her branch manager at my request. The branch manager -- XXXX XXXX -- arrived and I asked to speak to her privately. We went to her office and I informed her that the teller had quite an attitude and did not belong working in a bank, regardless of the original issue of exchanging the old bills I had received from Chase for bills that met my expectations. XXXX XXXX immediately said, " I strongly disagree, '' without even listening to the totality of my reasoning as to why I found the teller unfit for customer service work. She also said, " You came into the branch in a bad mood, '' which I found stunning, in that I had no contact with anyone in the branch until I asked to exchange the bills and, furthermore, was not in a bad mood at the time I entered. XXXX XXXX also proceeded to tell me, " You can take your issue to XXXX XXXX, '' with XXXX XXXX being the CEO of Chase. I do not have XXXX XXXX 's personal contact information and so, for among several reasons, I have proceeded with this complaint. Chase bank was more than happy to charge me a {$3.00} fee to disburse money from its machine. It also is a federally chartered bank, under the jurisdiction of, among other entities, the Comptroller of the Currency, and thus has certain responsibilities with regard to currency transactions, most especially for currency transactions that it has initiated by putting out the welcome mat by offering use of its ATM machines, also for a fee. I was not happy with the bills I received from the machine, and had a right to expect bills that addressed my concerns. I also understand after dealing with XXXX XXXX where the untoward energy and behavior in that branch flows from and originates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, INC.
State: IN
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:
While serving in the XXXX oversees. My Idenity was compromised. The following accounts below were opened up in my name fraudulently. I demand that these items be removed from my credit file immediately. 

I spoke with XXXX- Agent ID XXXX on XX/XX/2019 regarding the accounts below. I asked her why the accounts were not removed despite receiving my FTC report. She stated that I needed to include the account numbers on the FTC report to have them removed on a recorded conversation. My updated FTC Report attached to this complaint now has the account numbers listed on them for removal. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
RE : Insufficient Response- FCRA Violation On XX/XX/2021 I submitted a complaint under case # XXXX and it was closed on the basis that TransUnion stated they will respond and investigate my complaint. 

After the CFPB closed my complaint, I received a GENERIC letter once again along with a copy of my credit report file # XXXX dated XX/XX/2021 indicating the item regarding the Bankruptcy has been verified. The letter was received on XX/XX/2021 VIA the United States Postal Service. It's evident that Transunion has refused to provide sufficient information as they are required by law. 

In my initial complaint filed on XX/XX/2021 I submitted a copy of my Fico credit report that showed the information was removed by XXXX and the information reporting for both TransUnion and XXXX did not match ; which means it was not 100 % accurate, fair or timely.

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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. 

This is my final attempt to resolve this matter voluntarily or I will take every necessary step to ensure this complaint reaches the Attorney General offices XXXX XXXX. Also, I will be providing copies of all correspondences that were sent certified along with your responses to an attorney as proof of non-compliance as per the FCRA section 609 a ( 2 ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for giant XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!

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 2021-10-08
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted Credit Acceptance concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX Credit Acceptance has not responded to my letters, they have not sent a contract, statements or any documentation concerning this 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 2023-04-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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 is missing that should be on the report

Complaint:
I am not certain if this is my problem but its the only thing I can see that changed on my credit report. My credit score drastically dropped from XXXX to XXXX in some cites and XXXX on XXXX. My credit report is showing that our mortgage was paid in full in early XXXX. I did receive notification from Rushmore Loan Management Services at the very end of XXXX that my mortgage was being sold. to another company, XXXX XXXX XXXX Mortgage. However, my mortgage is no longer showing on my credit report and I am wondering what's happening. Our mortgage was covered with XXXXXXXX XXXX for over XXXX plus years then all of sudden it was sold to Rushmore I believe in XX/XX/2022. Then in XXXX Rushmore is selling the mortgage to someone else. I don't know what kind of games they are trying to play but my husband and I do not want to get caught up in anything with us being so close to paying off the mortgage. We don't know if some company is trying to run a scam on us and we are not going to have it. Somehow somewhere our mortgage balance is being hidden and not being reported on our credit report. My credit score should be reinstated back to normal quickly and not gradually increased, it is not fair nor honest to destroy someone's credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I saw unauthorized transactions from a company I have never heard of in my checking account. Something called Money Lion. On XX/XX/2021 Someone set up an account under my name with Money Lion and they proceeded to make 2 charges under : XXXX XXXX XXXX via this Money Lion company both charges were {$500.00} each. I also received a phone call with the caller ID as my bank name and the bank told me they never even called me. I have contacted Money Lion and they closed the unauthorized account which they say was made on the same exact day as these charges showed up in my checking account, XX/XX/XXXX. I went to the bank yesterday XXXX and sat with a banker to tell them of the fraud that has taken place. My bank has closed my checking account. Today I emailed and called this Money Lion to report this and they told me they would close it. I want this investigated as I am terribly upset and concerned!

Company response to consumer: Closed with explanation