BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it 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 2021-09-03
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ncb Management Servi showed up on my credit report several months ago. I do not know this company or the so called debt they say I owe, even though it says XXXX dollars on my credit report. I have sent them many letters asking for the removal of this account on all three credit bureaus. There is no account number associated with this account. My mailbox has been broken into many times and I have reported several fraudulent accounts on my credit report. I would like this company to delete this account from all 3 credit bureaus to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number xxxxxxxxx XXXX XXXX XXXXaccount number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have contacted XXXX multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card - OPED XX/XX/XXXX XXXX Account Charge off PAST DUE as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: GA
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:
Upon checking my credit report, I noticed these inquiries that I do not recognize, I would like them to be removed immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old XXXX account that was no longer being maintaind actively by me. XXXX falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your XXXX XXXX   customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was one year ago and has since been closed ) and you owe XXXX as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. 

XXXX was disputed back in XXXX and concluded as valid by XXXX. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent. 

I have been an excellent customer of XXXX since XXXX and this type of treatment during a time of identity theft is unwarranted.

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 2018-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The following attached letter that I sent to Bank of America through certified mail explains the problem. BOA never responded to the letter attached herein. When I contacted them through the phone, they hung up on me twice and the third time told me they can't do anything to help me without further explanation.

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 2021-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im filing this complaint because after checking my credit report in XXXX I sent Experian a letter with all the the information that did not belong to me along with proof of identification. 



ACCOUNTS : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX They have completely ignored my request and have removed anything from my credit report. Nor have they responded to any of the mail I have sent them on more than one occasion. 

Can you please have them update my credit report with the correct information. I filed a new FTC report because I could not find the old one. 

when I spoke to representative of Experian they let me know that I needed to attach that affidavit to this complaint.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The following accounts have violated my rights according to Fair Rights Credit Reporting Act. According to laws 15 USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 D ( 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 2019-02-05
Company: KEYCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My grandmother died in XXXX. I was to be named executor of her estate. I noticed that three checks were written on her account by my cousin, totaling {$8500.00}, while my grandmother was in XXXX. I reported this IMMEDIATELY to Key Bank, both to a personal banker, and to Key Bank Fraud. ( See attached phone call detail report showing 15 minute call to Key Bank Fraud on XX/XX/XXXX ). Nobody at Key Bank would help me at all, until the estate was opened. This took several months to accomplish. I live in XXXX  XXXX, MO, and the bank is in Ohio. I was then told, by Key Bank, that since it took over 90 days to open the fraud case, that I am not able to recover any of this {$8500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: GA
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:
Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of sure deposit ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX  XXXX   XXXX XXXX and sure deposit..which is been serviced by XXXX XXXX XXXX XXXX is on my credit report.. which I have no idea or affiliation with these companies..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Certegy Holdings, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been cleaning all my consumer reports because I found out that there were accounts that were opened in my name that I did not authorize. While going over one report I was sent another report that had listed several checks that were written without my authorization. I am have been a victim of ID Fraud and this is an ongoing seems to be never ending saga in my life. There are several checks on this account that I want to dispute as fraud and removed as these are wrong and don't belong to. Once this is cleared up please send me an updated report with those items removed. Thank you

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 2021-11-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
multiple fraudulent credit inquires 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 2019-02-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for, and was approved for a XXXX reward card from Chase on XX/XX/XXXX. After the first month, I got a bill for a small balance, around 33.00 plus the annual fee of XXXX. 

I paid the bill in full, including the XXXX annual fee the day the bill came due. 

On XX/XX/XXXX, I received a letter from Chase informing me that they had closed my account at their discretion. 

After calling them, they informed me that they had closed the account for a 10+ year issue on my credit report from a fraudulent joint account that was taken out in my name that was resolved a long time ago. They refused to reopen my account, return the annual fee that they charged me for a month of 'membership ' and also refused to remove the application and closure on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an overdue school tax letter in the mail around the XXXX of XX/XX/2019 in the amount of {$1700.00}. I called the following Monday on the XXXX of XX/XX/2019 to the tax office myself, they informed me that Citizens One had not paid our school taxes and then I called Citizens one and they said they were paid on the XXXX of XX/XX/2019, by wiring to the tax office. I then called the tax office back same day and they said absolutely Citizens One had done no such thing as the tax office only takes mailed checks or in person payments. I again call Citizens One, then they say something totally different that they must have sent it to the wrong mailing address, when they already stated that it was wired electronically, they told me to give them a few days to straighten it out. I called back on the XXXX of XX/XX/2019 to make sure it was straighten out, it was not. Now Citizens One was claiming they sent the new check out but had it returned but to give them till the XXXX of XX/XX/2019 and everything would be straighten out. I gave them till XX/XX/2019 because of a death in my family. They still have not resolved them not paying my taxes, the man said because they're waiting till the good thru date and that the other person should have never told me that they would have fixed it by then. I asked why this was happening, he said " they're only human, let them do their job and their bank 'you know ' was just going to pay when they wanted to. '' I said I'd call back tomorrow and asked for a manger to call me back, the person fought not to give me their manger 's name and flat out lied about whom their manger was, at first they said they didn't know, that it was a lady but it just changed to another lady then the person said it was a man and that he works with a bunch of females so he was confused. This doesn't make me feel comfortable knowing they're in charge of my mortgage or taxes with it. Also this person said " don't waste my time calling about it. It will be done when it's done and they'd get back to me '' and not to cut him off in conversation. I'm still left with school property tax not paid and not sure if they're actually going to pay it and it's due next week on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: FL
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:
The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.

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 2022-01-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: McNeil & Meyers Asset Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX Mcneil Meyers is a company I have never known of are ever did business with. XXXX Mcneil Meyers has sent untruthful information to all credit bureau as an attempt to destroy my credit score because XXXX Mcneil Meyers has assumed I owe them {$1700.00}. Instead of XXXX Mcneil Meyers trying to go through legal lawyers to investigate to ensure this dept they are assuming I owe is actually true that I owe them or If it's even me or if they even have the right correct person. I have proof that I have personally sent to XXXX Mcneil Meyers that I do not owe XXXX Mcneil Meyers or do I know or have ever done business with XXXX Mcneil Meyers. Still, they have attacked my personal credit life for there own gain. XXXX Mcneil Meyers company or person, do not have any respect for human life at a time in the world like it is today. 
This is a warning to people about XXXX Mcneil Meyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/XXXX, I applied for a credit line increase on my Capital One Platinum Credit Card. I received a denial of the credit line increase on XX/XX/XXXX, with a letter stating specifically that I could not receive an increase " because my credit score was too low '' The denial letter was dated for XX/XX/XXXX. The credit report used for credit determination decisioning was dated for XX/XX/XXXX - well before my increase request date. I have never requested a credit line increase, the increase requested on XX/XX/XXXX was my FIRST time ever requesting an increase in the years that I have held this card with Capital One ... so I do not understand why a report from XX/XX/XXXX would have been used ( A report from an entire month PRIOR to my request ) Information from the denial letter shown as below : Your Credit Score 514 - Date : XXXX Source : XXXX Information Services Additionally, I have been harmed by this. Had Capital One pulled an accurate report from the date of my request, my accurate credit score would have been reported. According to their own " Credit Wise '' program, which I am enrolled in, my credit report reflected a Credit Score of 617 as of XX/XX/XXXX ( see attached ) I tried unsuccessfully to dispute this as any reasonable person would, with the management team at Capital One. After talking with several managers about the 102 point discrepancy in the credit reports pulled, the last manager that I spoke with told me that there was nothing that could be done. When I asked to speak with the complaint department, I was rudely advised that " there is none '', and that I would need to wait at least 6 months to a year to try and obtain another credit line increase, despite the fact that my credit was not assessed accurately. I was treated rudely, and without consideration, despite the fact that I have proven that I have a very reasonable concern. I was told that if I had further concerns, to contact the Credit Bureau ... which I did. 

The Credit Bureau Rep ( at the XXXX Bureau contact shown on their denial letter ) advised that not only had Capital One NOT pulled any credit reports dated for XX/XX/XXXX, but that NOTHING had been requested since XXXX either. With the exception of my own soft inquiries, nothing was reflective of a Capital One request ... so WHERE is this scoring information being pulled from, if not from the bureau contact on the letter? And why was I denied based on an obviously aged credit report?

Company response to consumer: Closed with explanation