BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/XXXX I called TransUnion to report six unauthorized fraudulent hard inquiries accounts that was on my TransUnion credit report after doing so the customer service representative, told me " sorry, but i can't help you out today with your problem '' .The list below is the names and dates and address and contact information of all six fraudulent hard inquiries accounts that shouldn't be on my TransUnion credit report. Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX I would like to update my complaint with my FTC Identity theft report. Because my personal information was leaked in the XXXX data breach.

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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently ordered my credit report from Transunion and noticed a number of unauthorized enquiries.There were enquiries from XXXX/XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX /XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called and spoke to a representative who advised me that nothing can be done.Iam therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY

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 2022-03-08
Company: Experian Information Solutions Inc.
State: WV
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 DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX  XXXX XX/XX/XXXX 7. US SM BUS ADMIN XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. US SM BUS ADMIN. XX/XX/XXXX 10. US SM BUS ADMIN. XX/XX/XXXX 11. XXXXXXXX XXXX XX/XX/XXXX 12. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: OH
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 looked my credit reports up & noticed a few incorrect accounts. They do not belong to me. The accounts need to be deleted from my credit reports immediately. Once again, this affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : 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 explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed several things on my credit report with Equifax on XX/XX/17 I received an email from them stating it had been completed. When I tried to use the confirmation # and review the results the page kept popping up it was unable to access my results, I waited a couple days tried again same thing. I then receive another email from Equifax ( XX/XX/17 ) with a new confirmation number that my disputes are complete. I tried AGAIN to access the results and was given the same page. I called into 2 different phone numbers and both agents told me there is no dispute on my record, just a consumer statement that I made with XXXX not even Equifax. I need the dispute results from Equifax, please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I contacted Citibank Credit Card applications to find out the status of my application, that was referred to me from XXXX, due to my exceptional credit score. 

I talked to XXXX, whom informed me that my application was denied, due to not being able to identify me. Case closed, ( See enclosed XX/XX/XXXX letter ), I was shocked to find that I was not allowed, ( trusted ), to identify myself, denied a way to fax over a utility bill, or ID, notary, something, to complete the application. I asked to talk to a supervisor, after a few minutes on hold, I was informed that XXXX was using some kind of security website, ( unknown ), and that I was found on it, and a phone number was listed next to my name, and XXXX was to call it, and if I answered, then my application would be cleared, but, if I did not answer it, then I would denied approval. 

I expressed some common sense here, stating, what if that number, ( which I did not know what number it was ), was disconnected, old, discarded, not mine, whatever, and again I was informed that this was their policy, and I was to be denied approval. 

Well, I wished XXXX good luck on that, and expressed that I spent too much time in this rabbit hole long enough. 

On XX/XX/XXXX, later that day, I finally found the Office of the President of Citibank, ( XXXX ) XXXX, and talked to XXXX XXXX. 

I explained the above to XXXX XXXX, and he seemed understanding, and asked for some time to INVESTIGATE the situation further, and he would contact me with his findings. 

I called his direct line, and left a message on XX/XX/XXXX, asking for an update ; I never received a callback, as a matter of fact, as of the writing of this complaint, XXXX XXXX, never contacted me again. 

On XX/XX/2021, I called XXXX XXXX, again that went to voicemail, ten minutes later, I received an email letter from his department, ( See letter dated XX/XX/XXXX ). 

That letter dated the XX/XX/XXXX, is the same response that was the same as, when I talked to XXXX on the XX/XX/XXXX. 

In fact, that XXXX XXXX, did nothing, but waste time.

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 2021-10-20
Company: First Federal Credit Control, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted First Federal Credit Control on a matter that pertains to my credit. I have been a victim of fraud. I sent First Federal Credit Control a copy of my FTC affidavit via certified mail. I have 4 accounts on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to First Federal Credit Control to remove these 4 fraudulent accounts from all three credit bureaus ( XXXX, XXXX ) and First Federal Credit Control disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay First Federal Credit Control and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not aware, until I looked at my credit report, about this debt. I sent the debt collector documents to prove their claim and fill out the disclosure statement. I have not heard back from then and they still have me listed on my credit report and will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I originally contacted XXXX XXXX XXXX XXXX for services ( XXXX Tx ) for legal services ( protection order/divorce ) XX/XX/2021. 

Upon agreement of services I was put on a payment plan to be considered eligible for services to begin on my behalf. After second payment, I contacted them letting them know i was no longer interested in services. Due to new transitions and move to new state ( new mexico ) in order to remain protected from my abuser currently residing in XXXX XXXX XXXX, Tx. ) XXXX XXXX XXXX XXXX continued to charge my card for services, causing me to end up in overdraft status and eventually bank account closure with Frost Bank. 

Frost Bank has been trying to contact XXXX XXXX XXXX in reverence to my dispute claims against continuation of unlawful charges against my request. 

Pending dispute is still pending ( over 90 days ) due to non response of XXXX XXXX, XXXX XXXX. I am now required to put my account in a payment plan status so that it wont end up in collections, and affect my credit. 

XXXX XXXX XXXX XXXX Frost Bank XXXX My number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two collection accounts which are unfairly reporting on EXPERIAN, XXXX AND XXXX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.

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 2017-12-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In servicing my mortgage payment in early XXXX XXXX, Bank of America ( BofA ) applied a {$550.00} payment incorrectly, putting over {$500.00} to interest when the correct amount should have been {$19.00}. My wife and I had originally taken out the mortgage with one of the Bank of America 's predecessor financial institutions in XXXX XXXX. At some point, BofA ( and for several years ) had used XXXX ( formerly XXXX ) XXXX as its servicing agent. for the past few years, I had been making electronic payments to XXXX every two weeks, consistent with my payroll frequency. I was also paying slightly more than required with the aim to complete the mortgage a few months ahead of time. I had no issues when XXXX had serviced the loan. 

In XXXX of this year, servicing reverted to BofA. The very first electronic payment I made to BofA upon them servicing the loan was missapplied with the bank applying {$520.00} toward interest and only {$28.00} toward principal. This contrasts to the last payment I had made to XXXX in late XXXX wherein over {$500.00} was properly applied to principal and about {$21.00} was applied to interest. Also, in later {$550.00} payments made to BofA, the amounts applied to principal were consistently over {$500.00}. 

I have contacted the bank on at least five occasions beginning on XX/XX/XXXXnd while each person I had talked with seemed to think an error had been made, none of them were permitted ( by their job duties ) to correct the error. On three of those occasions, I was told I would receive a call back, but to this date, I have not. On one of those occasions, I went to a local branch thinking that might help resolve the situation, but it did not. As the error is in the bank 's favor, I feel that they are not motivated to correct anything. 

In one of those calls, the agent had told me that I was not permitted to make payments more than on a monthly basis, so there calculation was therefore correct. This was nonsensical, as the frequency of payments has nothing to do with how simple interest is calculated. 

This has been especially frustrating as I am a CPA and an auditor with a strong mathematical background. I know the correct calculations and have proven them out using XXXX, yet I can get no satisfaction, much less a return call, from BofA. I am toward the tail end of this mortgage, with the aim of having it paid off in full in XXXX XXXX so I ca n't wait long for a resolution.

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 2020-09-15
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The attorney at law Kenosian & Miele LLP XXXX XXXX XXXX # XXXX LA XXXX XXXX XXXX XXXX Did a hard inquiry on my XXXX  report without my consent or knowledge and now is trying to collect a debt that was the result of ID theft with I have a police report for That was dealt with over 1 -2 years ago I sent them the police report asking them to cease and desist that debt doesn't belong to me They need to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent this company my detailed dispute and proof on XX/XX/XXXX regarding to erroneous accounts reporting on my report. But until now this company is still reporting the account that I had disputed. This is very disappointing as this company is the only remaining credit bureau that is reporting this unverifiable account. For yet another time, this is the erroneous account that I need to be removed : Bankruptcy, Reference Number XXXX, Date Filed XX/XX/XXXX I am not familiar with this bankruptcy case ref # XXXX, please remove it asap By law, it takes 30 days for a company to investigate and verify a dispute Case, but this is not the case with this company as it has now passed the 30 days mark. I am attaching the letter i sent this company as my detailed dispute to them.

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 2019-09-20
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Dear FTC : I applied to American Express Gold Credit Card, and was denied. I contacted American Express ( " AMEX '' ) for the reason, and told me the decline was because of " Internal Blacklist '' about previous account dated from 2001. I demanded removal of my name from American Express 's Internal Blacklist and clear black marks from Social Security Number. I told American Express that  their Blacklist violates the Fair Credit Reporting Act ( " FCRA '' ). I reminded AMEX officers that their actions have been without legal authority from Congress and Federal regulators. The FCRA does not allow negative reporting more than seven years. AMEX reports such negative information more than nineteen years. AMEX maintains this information for illegal purposes and with impunity. I spoke to several AMEX officers namely : XXXX, XXXX, XXXX, and XXXX. All of them agree that the FCRA 's seven year requirement exists, but failed to clear my name from AMEX Blacklist. The officers knew they were in breach of United States credit and lending laws. The officers chose to be complicit in the commission of these financial crimes and violation of the laws that govern credit reporting. Moreover, the officers were discriminatory in not processing my application at all. They choose not to process my application, because there is a Internal Blacklist and negative flag. All of this is happening despite my current FICO scores for XXXX  at XXXX, and XXXX at XXXX. These hard earned scores enable me to secure the AMEX Gold or any other credit card in the market. But I can not get past the AMEX BlacklisXXXX, which is both illegal to maintain internally and violates myriad Unites States financial laws. AMEX denies the existence of Blacklists in the public domain. We know now that AMEX maintains a serious Blacklist to punish American Citizens. AMEX is a corrupt institution that is seriously involves itself in the commission of financial crimes against American Citizens. AMEX victimizes American consumers like me with Blacklists whose purpose is to blackmail, vilify, harass, bully, deny, threaten and intimidate. These corrupt and fraudulent practices are unacceptable for any merchant, because they violate United States laws and the liberty of American Citizens from  extortion and subservience. I request the CFPB to enjoin AMEX from creating and maintaining illegal Blacklists, and to clear my name and Social Security Number. Therefore, I humbly request the CFPB to make AMEX comply with the FCRA and other laws as applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports.

2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed.

3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web.

4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mail XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Additional : XX/XX/XXXX Fraud Alert ( Victim of True-Name Fraud ) Alert placed XX/XX/XXXX Fraud Alert ( enforcement requested-violations occurring )

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 2019-06-26
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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