BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting 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 2022-01-23
Company: Experian Information Solutions 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:
THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY EXPERIAN REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT EXPERIAN REFUSES TO REMOVE THEM. EXPERIAN DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL EXPERIAN, THERE IS NO WAY TO GET THROUGH.

XXXX  All Banks - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX
XXXX XXXX
Bank Credit Cards Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
XXXX XXXX XXXX  Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX  All Banks - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
All Banks - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: SXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date: Jul 25, 2021
Removal date: XXXX XXXX XXXX
All Banks - non specific
Inquiry date: XXXX XXXX XXXX  Removal date: 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 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
FCRA violation : Inaccurate reporting Please see attached document

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is concerning the debt which we dont owe. With XXXX XXXX XXXX XXXX Bundle with XXXX XXXX, our contract with XXXX XXXX XXXX was over in XX/XX/2018. All the bills was paid in full, call the XXXX XXXX XXXX agent and clear everything. It was with XXXX XXXX we had two years contract and upon signing with the company we were told if we moved away from the location where they were providing service, to another location and if XXXX XXXX XXXX XXXX bundle has no coverage then there should be no early termination fee. We moved to XXXX XXXX from XXXX on XX/XX/2018, and we called the company to transfer our XXXX XXXX XXXX XXXX bundle to our new location, but they dont have coverage in our location, for that they promise us there is no termination fee and we owe {$0.00}. But after few months we received several letters from Credence Resource management LLC collection company saying that we owe {$400.00}. So I call XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/2018. I spoke to XXXX XXXX XXXX agent XXXX at XXXX, she is from Bundle billing department for XXXX XXXX XXXX XXXX, She has checked everything and she told me her supervisor will be writing to the collection company to recall this debt of {$400.00}. The charges was for equipment and early termination fee, I have return the equipment both to XXXX XXXX XXXX and XXXX XXXX. I have both the receipt, that was shipped out on XX/XX/2018 from the XXXX XXXX here in XXXX XXXX XXXX, I have given agent XXXX both the Reference number. I will attach both the receipts for proof. Also the last statement from XXXX XXXX which shows the {$0.00} Balance in our account.Agent XXXX told me we will not be receiving any more letters from the collection company, that all is taken care of, but we still get letters from the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Each month Ive had the same issue paying my bill. All of my debit card information is correct when I call or go online to pay. Online pay never lets me pay because my card information isnt correct, so I usually call. I tried calling multiple times, I reached out to customer service, I tried paying online multiple times, and spoke to a live agent on the website and I continuously kept getting the response try again tomorrow. Tomorrow turned into next week, then next month. So I was bombarded with fees and they reported late payments to the credit bureau. I have screenshots of the texts, Ive kept the emails, and my call log verifies how many times I tried to call.

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 2022-01-23
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: Account status incorrect

Complaint:
My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: PA
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 did not authorize anyone employed by these companies to make any inquiry or 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed these late payments XXXX different times with Equifax and XXXX. XXXX is the only one reporting it correctly. Equifax and XXXX just keep verifying the information without sending me any method of procedures. I disputed on XX/XX/23, XX/XX/23, and XX/XX/23. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a XXXX XXXX report in each letter- SHOWING THE ERRORS DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXX DPEDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: U.S. BANCORP
State: KY
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:
On XX/XX/2023 U.S Bank decided to put a hold on my cc and requested documents to be provided to them for authentication of identification. They asked for copies of social security card, drivers license, last two years of federal tax returns, and two months of statements for personal checking accounts. This information was faxed to U.S Bank on XX/XX/2023. Spoke with them on XX/XX/2023 to verify they recieved the documents and at the at time they stated that yes and after a review of the documents they would be closing the account and it could not be reopened provided no information as to why they decided to close. I proceeded to ask to redeem the rewards from the card that was accumulated over three years. I was informed because the account was closed the rewards could not be redeemed. They gave no notice they were putting a hold on the account or closing the account which prevented me as a consumer the ability to prepare and redeem the rewards ahead of time. The amount of rewards is near XXXX that was earned by me for using the card and paying off the card every month in time. Over three years never missed a payment and never recieved any interest as the statement balance was paid off every month.

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 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX placed a collection on report XX/XX/21. I have mailed and uploaded verification to Transunion that this account was paid in full prior to XXXX sending the incorrect information to XXXX and XXXX for collection. After XXXX and XXXX investigated this, they agreed to remove the account. Transunion has not taken this account off my credit report. I've shown the payment, my credit card statements, as well as my cfpb complaint stating they will withdraw this from my credit report. My other credit reports were updated and removed the account. Transunion will not allow me to submit a dispute on their website any longer so I went through a 3rd party and it still hasn't been updated.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name ( XXXX ) account name XXXX  XXXX has violated my rights Account number ( XXXX ) account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX XXXX has violated my rights Account number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights Account Number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-10
Company: EQUIFAX, INC.
State: CA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2019-12-31
Company: CITIBANK, N.A.
State: CA
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:
Citibank stopped my checking account for no reason I've done my best effort to speak with Citibank 's fraud department but has gotten no reasonable answer so far. First, they did not even notify me about this account freezing. So my credit card payments and checks were all returned or rejected. Now I have to pay all the late fees and returned check fees. I realized my account was blocked because one of the credit card companies called and told my account was blocked. 

What's the best course of actions to reimburse this damage done by Citibank? The amount is not a lot, but I think this is completely unfair and they need to provide an answer why the account was blocked in the first place.

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 2017-07-31
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on my credit report with two different name one is syndicated office systems and the other one is central financial control same account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I paid the XXXX XXXX XXXX ending in XXXX to a XXXX balance in XX/XX/2021. Transunion keeps showing an amount of {$5000.00} still used/available on the credit report. this is negatively impacting my credit score ( lowering it ) by a significate points. I have contacted Transunion several times to correct this error, it will be fixed for a few days then go back to show {$5000.00}. I have also contacted XXXX XXXX visa about this, they said the balance on the account 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 non-monetary relief
Consumer complaint received 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/2012 a representative from Bank of America called me to see if i wanted to switch my checking account to a no fee online account. My account was dormant because I moved to Colorado where no Bank of America locations exist. This stopped a fee of around $ XXXX/ month being deducted from my balance in lieu of receiving monthly statements. In XXXX of this year, I noticed that Bank of America had started deducting fees from my account again without notice. When I questioned the representative she told me that the fees were highlighted on my monthly statement. Bank of America convinced me to move to an account where i don't receive monthly statements and then decided to change my terms and conditions on the monthly statement that they weren't delivering anymore. I do have online access but didn't believe that I needed to check this because there is never a balance change. Today I received a low balance notice because B of A has taken all of the money from this account in service fees which were never to be charged. When I called them they offered to refund one month. 

This is theft. Albeit, the numbers are small but the principle of this act is fraud and is dishonest given what transpired. I am sure that I am not the only one affected by this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, I have been repeatedly contacted by Midland Credit Management several dozen times since XXXX. Midland is attempting to collect a debt for one " XXXX XXXX ''. I do not now, nor have I ever, known or had dealings with this individual in any capacity. I have owned my current cell phone number for over a decade. I have provided Midland with basic identifying information including my name and address and instructed them to disassociate me from XXXX XXXX, and remove my cell phone number and any other contact information from their system, and to STOP calling me. I also mailed a letter on XX/XX/XXXX instructing them to cease calling me. I have further plans to call back today and request to speak to a supervisor again, and also to mail yet another letter ( certified mail this time to I have evidence it was received ). 

Below are the dates of the most recent nine phones calls from Midland. Each time I pick up I calmly explain to the individual on the line that I do not know Ms. XXXX, have no dealings with her, and that the number they are calling is in no way affiliated with her. Each time they have promised to remove my number from their records, but within a month 's time I will receive another barrage of calls. 

DATE TIME NUMBER XX/XX/XXXX XXXX XXXX EST XXXX   XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX   XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX   EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Albert Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an opened account on the Albert App saving Platform and the company refuses to return control of my funds. I am unable to withdraw, spend, transfer or otherwise make use of in any shape form or fashion the {$41.00} that this app has taken control of. The bank account that was first linked to the account was closed years ago and Albert refuses to transfer the funds to any other linked deposit accounts that have the same name and contact information as the closed account. Despite my numerous attempts to contact Albert ( they have no phone number to call and only offer text based support ) they are firmly and decidedly rooted in their demand for a bank statement for my closed account without regard for the hardship and distress that reopening lines of communication with this institution would bring me. I do not wish to very this account with them. I want to delete it from my profile and take back control of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, i have no recognition of this debt collection and it has messed up my credit. I have never owned a sprint phone.i filed a dispute to my experian credit report 3 days ago. I am now on the phone with XXXX filing a identity theft report now. Please help. 

XXXX XXXX Account number XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated 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