BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My identity theft is registered with the FTC # XXXX. 
My ongoing dispute regarding Reported as # XXXX XXXX XXXX joint mortgage It was stated originally XX/XX/XXXX as XXXX XXXX XXXX FLORIDA AT {$950.00} PER MONTH on XX/XX/XXXX paid off XX/XX/XXXX and XXXX  did the dispute investigation and XXXX changed it to report # XXXX joint mortgage XXXX XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. 
I finally have the evidence of my claims against XXXX  XXXX XXXX. 
The attached 2 letter from XXXX THRU THE CFPB ongoing complaints star officially as follows XXXX XXXX XXXX my complaint cfpb response to two people not just me addressed to XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX nc XXXX states yes there was a joint # XXXX mortgage XX/XX/XXXX paid off XX/XX/XXXX HERE IS THE FRAUD PROBLEM DONE on my US legal name XXXX XXXX XXXX REGULATORY commission celebs XXXX second letter of XXXX of my ongoing complaints states that there was a SEPERATE BANK NOTE ( not original mortgage ) for a XXXX XXXX  XX/XX/XXXX PAID OFF XX/XX/XXXX. THIS IS A FORGERY AND FRAUD DONE ON MY US LEGAL NAME .AND that there were numerous other fraud loans for XXXX XXXX forgeries in my name THAT WERE NOT MINE. My claims of the disputed # XXXX has been finally proven XXXX and XXXX and Transunion it was a XXXX for XXXX XXXX  at approx {$680.00} per month XX/XX/XXXX paid off XX/XX/XXXX. Please investigate and correct My only loan XXXX and XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX nc XXXX was a XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX VA FOR APPROX 90 K as per. The attached good faith statements from XXXX which shows fraud by someone else 's initials on another app of some kind and XXXX loan app XXXX. 
NOTE MY CLAIMS of THE ADDITIONAL fraud forged loans of XXXX XXXX   each with my name attached will be discovered eventually with the Cfpb assistance # XXXX registered with MERS and a line of credit XXXX XXXX XXXX # XXXX on XXXX XX/XX/XXXX report. I request another reinvestigation due to new evidence and it is stated by XXXX themselves thru the 2 cfpb responses from my ongoing complaints regarding this situation.. finally in XXXX it is clear note I did not receive these XXXX letters until late XX/XX/XXXX and was stated by XXXX they were sent alit earlier ..I reported the us mail problem again at that time to the federal law enforcement usps online. I am requesting from XXXX  THE SIGNATURES AND LOAN OFFICER AND LOCATION OF WHAT XXXX. where the stated XXXX XXXX BANK NOTE WAS ISSUED

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 2020-05-17
Company: Cornerstone Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being told that I owe money for a hospital visit in XXXX Alaska. The problem is that I was in XXXX at the time. They removed the collection once because I hired a law firm and then they added it back. I wasn't even in the country at the time this supposedly happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received loan application with my information on it without my consent. I have no applied for any loans/credit cards or anything credit since XXXX XX/XX/2020 when I consolidated with National debt relief. Please remove these from my credit reports.

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 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have explained to TransUnion that I have been a victim of identity theft & they are reporting accounts that are not mine. I have sent in the requested documents that they have requested several times ( social security card, Drivers Licensce, police report & identity theft report ) After submitting this information they continue to report these fraud accounts. I am asking again to delete these fraud accounts XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX XXXX, XXXX? XXXX. The address XXXX XXXX & XXXX XXXX XXXX I have never lived there & explained that too they say they will review but it remains on my report. I have been in several breeches ( XXXX XXXX XXXX ) & my information has been used fradugently. I never applied for anything with XXXX, XXXX, XXXX XXXX, or 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 2022-02-01
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:
I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Investigation took more than 30 days

Complaint:
I have sent various letters to challenge the accuracy of Equifax reporting a XXXX XXXX. On XXXX XX/XX/XXXX they stated they verified the US Bankruptcy Court entry on XX/XX/XXXX. In my letter dated on XX/XX/XXXX I asked them to send me various information on who verified this entry especially when the US Bankruptcy Court has a memo that stated they are not responsible for verifying or validating information from consumers XXXX credit files. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by BMO HARRIS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein show I have sent 2 cease and desist letter in which BMO HARRIS BANK N.A continue to take money from my account for an alleged debt that is not owed. I am the original creditor and BMO HARRIS BANK N.A . have not verified where the credit came from because banks can not give credit nor loan money. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Exhibits attached show my attempt to collect on my money that I loan BMO HARRIS BANK N.A . but the haven't did so as of XX/XX/2020. Exhibits showing my efforts for BMO HARRIS BANK N.A . to rectify this matter.

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 2019-08-11
Company: CITIBANK, N.A.
State: NV
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 have evidence that this reported late status was posted after a agreement to XXXX   balnce fraud documentationr

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 2019-08-06
Company: EQUIFAX, INC.
State: VA
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 was closing on a refinance Va Loan on XX/XX/2019. The terms were that we can skip XXXX and XXXX payments. Mortgage co., XXXX XXXX XXXX XXXX up the closing and did not disclose to us to pay XXXX payment. We moved with the closing into XXXX, funding was not paid to XXXX mortgage. On XX/XX/2019, we were instructed to pay XXXX payment and the new terms were skip XXXX and XXXX payments. Even though XXXX mortgage received their money, they went to as far to report us 30 days late for XXXX payment. I in-turn called XXXX XXXX XXXX to report the problem. As of today neither XXXX XXXX XXXX or XXXX mortgage corrected XXXX 's late payment. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a payment to my cc to pay off revolving balance and minimums for promotional balances in order not to incur any interest charges. The payment went to pay only the promotional balance ( not due ) and left me being charged interest ( {$22.00} ) for my revolving balance that should have been paid. XX/XX/2019 statement. I called to have the payment allocated correctly, but have been told that cant be done. Ive asked how to use the card around the window of when a promotional balance is coming due to make sure payments go to a revolving balance ... .cant get an answer. Ive been told nothing can be done .... stop using the cc doesnt seem to make sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My identity theft is registered with the FTC # XXXX. 
My ongoing dispute regarding Reported as # XXXX XXXX XXXX joint mortgage It was stated originally XX/XX/XXXX as XXXX XXXX XXXX FLORIDA AT {$950.00} PER MONTH on XX/XX/XXXX paid off XX/XX/XXXX and experian did the dispute investigation and experian changed it to report # XXXX joint mortgage XXXX XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. 
I finally have the evidence of my claims against XXXX  XXXX XXXX. 
The attached 2 letter from XXXX THRU THE CFPB ongoing complaints star officially as follows XXXX XXXX XXXX my complaint cfpb response to two people not just me addressed to XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX nc XXXX states yes there was a joint # XXXX mortgage XX/XX/XXXX paid off XX/XX/XXXX HERE IS THE FRAUD PROBLEM DONE on my US legal name XXXX XXXX XXXX REGULATORY commission celebs XXXX second letter of XXXX of my ongoing complaints states that there was a SEPERATE BANK NOTE ( not original mortgage ) for a XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. THIS IS A FORGERY AND FRAUD DONE ON MY US LEGAL NAME .AND that there were numerous other fraud loans for XXXX XXXX  forgeries in my name THAT WERE NOT MINE. My claims of the disputed # XXXX has been finally proven experian and XXXX and XXXX it was a XXXX for XXXX XXXX at approx {$680.00} per month XX/XX/XXXX paid off XX/XX/XXXX. Please investigate and correct My only loan XXXX and XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX nc XXXX was a XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX VA FOR APPROX XXXX XXXX as per. The attached good faith statements from XXXX  which shows fraud by someone else 's initials on another app of some kind and XXXX loan app XXXX. 
NOTE MY CLAIMS of THE ADDITIONAL fraud forged loans of XXXX XXXX each with my name attached will be discovered eventually with the Cfpb assistance # XXXX registered with MERS and a line of credit XXXX XXXX XXXX # XXXX on experian XX/XX/XXXX report. I request another reinvestigation due to new evidence and it is stated by XXXX themselves thru the 2 cfpb responses from my ongoing complaints regarding this situation.. finally in XXXX it is clear note I did not receive these XXXX letters until late XX/XX/XXXX and was stated by XXXX they were sent alit earlier ..I reported the us mail problem again at that time to the federal law enforcement usps online. I am requesting from XXXX THE SIGNATURES AND LOAN OFFICER AND LOCATION OF WHAT XXXX where the stated XXXX XXXX BANK NOTE WAS ISSUED

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 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report. I have 2 unauthorized inquiries on my report. XXXX from ( XXXX XXXX XXXX ) on XX/XX/2021 and one from ( CAP1/SAKS FIFTH AVEN XXXX XXXX XX/XX/2021. I did not make these inquiries. I am a victim of fraud, and will like to get these inquiries removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had this HELOC for many years. I have NEVER been late. My payments are set up in my billpay service as automatic payments. On XXXX XXXX, when I returned to my home after evacuating from Hurricane Irma, there was a letter in my mailbox informing me that they have a obligation under federal law to inform me that they reported me late to the credit bureau 's. I was shocked, not knowing why? The next envelope I opened indicated I had a balance due of {$4.00} and it was late. This was the FIRST notification that anything was 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 2017-12-21
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:
Opened a CitiBank Interest Checking account under the {$300.00} promotion on their web page. Here is a link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I also gave my bank information to do a opening deposit of {$15000.00}. When I called in to follow up on it, they had no idea where the {$15000.00} went and no clue about the promotion. I told them to look right on your homepage and they will see it but somehow they could not find it, funny. Well after weeks of calls and hours waiting on hold I tried one last time to see if they honored what their advertised and fix things but the manager still no no clue about anything, I do n't understand how that is possible. Seems like a deceptive scheme for consumers to open accounts like 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 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form Transuion, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank 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 explanation
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi I am filling this complaint against Experian because they are in constant violation Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

I have asked them two times to verify a XXXX account. They said they verfied this account accordingly. But I argue XXXX said they don't have this account and was sold to a collection agency as you can see with the letter I have attached. 


Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2019-08-11
Company: BB&T CORPORATION
State: MD
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:
It is with great reluctance that I am even filing this claim. However, I am not able to reach a person that is willing to assist within my banking institution. I am currently and have been in a XXXX XXXX XXXX XXXX facility that does not afford me the hours needed to be on hold to wait and speak with someone. On or about XXXX XX/XX/2019, I made a call to the claims department at BB & T. I advised the representative that there were two charges that were not authorized on my account. I explained that someone from BB & T called me making me aware of the charge in the first place and that card was replaced. I am not sure how or why the merchant came forward with yet another charge without having anything to show me doing business with them. I do not and have not had contact with the merchant ( s ) only to try and figured things out. Since I was not successful I then asked the bank to step in for them to send me a letter stating that there was no error on the account when that was not what was alleged. What happened was two merchants took money from my account without my permission or authorization. I have proof of my whereabouts and I have not signed anything so that alone warrants and investigation to be done properly and my funds to be taken back from those who were not at liberty to receive them. XXXX and XXXX XXXX XXXX were not justified in receiving money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation