BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on/around XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been more than 4 months and I have not received a formal written response back from XXXX  or TransUnion. I know that the credit bureaus received my requests because I did receive a response back from 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 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
CAPITAL ONE XXXX XXXX XXXX XXXX XX/XX/22 RE. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt of {$100.00} is not my bill. This debt was bought by another debt collector XXXX XXXX XXXX XXXX in XXXX, VA. This was reported to my credit bureau again after it was removed and disputed. This was disputed and taken off my credit report by XXXX   when the last debt collector had the account. Now I am being harassed again. The supposed creditor was XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX. I do not owe them a bill. I have not done business with this company. I do not owe the debt please provide validation of the debt with my signature. I have not agreed to any services or signed a contact with the supposed creditor. I want a copy of the signed agreement ASAP. If I am not provided with a copy of the signed agreement I will be contacting an attorney. I believe this fraud and this is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2020-07-20
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
When Covid hit my wife and I looked into mortgage payment deferral with XXXX XXXX. She was temporary out of work. But we did not sign up for it! We continued making out payments and discovered we had Forbearance on our credit from XXXX XXXX. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
All three bureaus have failed to respond to the letter I sent via dispute online that requested them to respond within 15 days due to their failure to address the issue with my XXXX XXXX XXXX account. Please remove as I gave them a specific timeline to provide me with the sources they used to validate the loan, people they talked to, etc. Per FCRA I had every right to request that within 15 days it has now past 15 days ( XX/XX/XXXX ) So please remove it per the FCRA immediately. Remove the item immediately as they were given sufficient time to provide me with the information but could not produce it and or refused to produce it when it's my right per FCRA to see that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. i XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the XXXX U.S C41, et esq I have the tracking # for all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission or acknowledgment.

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 2020-07-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated calls from this company. When I pick up the line is quiet and they go directly to talking to me and asking personal questions. When I ask if it is being recorded, they disclose this then, after the fact. 

I was contacted in this manner this morning ( XXXX XXXX by XXXX with IQ Data International from number XXXX ) She did not tell me I was being recorded. I repeated told her I did not want to be contacted and she did not acknowledge this whatsoever. She accused me of being rude for speaking over her because I did not want to be recorded without consent. 

I was contacted on XXXX on XX/XX/XXXX and the call was ignored. 

I was contacted on XX/XX/XXXX at XXXX and I informed them then I do not authorize them to call me or record me. 

I have had several other calls that I have not logged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2018-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Early this year I have closed my account Checking Account XXXX and my Overdraft Line of Credit account XXXX with Citizens Bank. XXXX XXXX XXXX XXXX, XXXX XXXX It took a while to ascertain that all the balances were XXXX before the account was closed. I never received a written confirmation of the account closing. 

In early XXXX I noticed that Citizens bank reported a 30-day past due balance on my account which significantly dropped my credit score. I reached out twice to the Citizens ' customer service with the rep always assuring me there's no balance one my account  and that they are not sure of the origin of the adverse credit report information. 

When I finally got on the phone with a more senior rep named XXXX and can be contacted at XXXX, I was informed that I somehow have a {$7.00} balance on my account and since I have no account with them, I can not get a bill - neither in the form of a letter, or a phone call or an email. And the late fees are accumulating, and the fact that I am not paying is leading them to report to the credit agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to complain about Freedom Mortgage. 
I am a cosigner on my daughter 's mortgage. She had some extenuating circumstances that put her behind on her payments. So I called to make the payment that I received in the mail of the default amount. I gave my routing number and account number. I got a confirmation number and watched my account for it to be drawn. 3 days later it hadn't drawn so I called again and got a runaround that there had been a problem and i was put on hold while they " took care of '' the problem. I was told that it now had just posted. 13 days later it still hadn't posted so I have talked to 3 different agents. Was hung up on by one who didn't want to post my payment to the original date that I made the payment. 
They had told me that my credit union had returned the request. I visited the credit union branch manager today who went through my account and said that there had never been a request for the ACH payment. 
I called my daughter and she told me that they have terrible customer service and that she has gotten a runaround every time she has called them. The comments on " XXXX  '' online are terrible as well. 
The fifth call after 2 weeks I finally got XXXX teller # XXXX who was very helpful and seemed like she has it together. Now I'm just waiting to see if the payment goes through. 

Another interesting thing is that the delinquent amount I got in the letter was a totally different amount than the amount I paid. Seems their letters pad the amount owed.

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 2018-05-23
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have previously had the experience of Citibank charging me fees even when I use Citibank ATMs, miscategorizing these as 'Fees for Non-Citibank ATM use '. I have previously reported these to Citibank and had them corrected, and now on XX/XX/XXXX I was again charged a 'Fee for Non-Citibank ATM use ', even though Citibank itself identifies this transaction as 'Cash Withdrawal XX/XX/XXXX XXXX # XXXX Citibank ATM XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I want the CFPB and other Citibank customers to be aware that this is a known problem that has been reported to Citibank and yet has not been fixed.

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 2020-07-20
Company: Prosper Marketplace, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was offered a loan by Prosper with a low APR, had a hard inquiry on my report generated ... and I was denied a loan before I was able to upload supporting documents, all within 2 hours - online. I believe the lead generation practices of Prosper.com are misleading and result in damaging the credit worthiness of prospective customers. The adverse action emails generated by Prosper.com are intentionally meaningless and not indicative of what information was used to deny the application. 

On the website XXXX, I was offered a 'pre-approved ' loan product from Prosper.com at a lower rate than several of my credit cards. This looked like a good deal for a debt consolidation loan. I applied for a loan from Prosper through the XXXX website at the amount and rate indicated on the CreditKarma site. While I was uploading documents to verify my identity and income to Prosper, my loan application was denied. The email I received stated : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' Just before receiving this information, I got an email indicating that : " Congratulations, your application for a {$25000.00} loan at X.XX %  APR is almost done! But, first we need your help providing a bit more information '' I had not had time to upload documents before the application was denied. The documents I would have uploaded would have demonstrated significant income and assets. 

The application resulted in hard inquiry to my credit that will have an adverse effect on my credit. The company ( Prosper ) indicated it was impossible to remove this inquiry.

The adverse action letter I received from Prosper did not provide any meaningful information and the representative I talked to from Prosper indicated that because they do not want to expose any information about their proprietary risk model Prosper makes their adverse action letters as generic and meaningless as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX #XXXX  Not my account tried getting account removed still remain on 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 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, my final bill with XXXX is with my XXXX card. On XX/XX/2023, I saw on my statement with Bank kf America and it was posted On XX/XX/XXXX. With XXXX. How can this happen when I do not even have the card number. I received my card after 2 weeks? In the meantime I was talking with both XXXX and B of A. XXXX told me there is no one that can change my card on file except me. They do not want to accept the fact that I could have not done it for I do not have the card number. XXXX XXXX from XXXX and XXXX XX/XX/XXXX a XXXX called from BofA that my dispute was rejected. They can not provide any of my authorization. I have all the documentarians I am XXXX XXXX XXXX and they just want me to be blamed. Over and over I told them the charges are legit but with the wrong card. Both companies had colluded. I can not handle it anymore.with Bank of A is XXXX. With XXXX XXXX XXXX. 
Time is off the essence 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 monetary relief
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed some addresses that I'm not associated with. Experian couldn't make a resolution on the 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 non-monetary relief
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are not researching and properly reporting that the following accounts are in fact in dispute. XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) The  collection account listed is reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

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 2020-07-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Placed order on Bloomingdale 's website dated XX/XX/2020 under order number XXXX, the item was solely for a watch, in the amount of {$590.00}. The purchase meets the threshold by the merchant to qualify under the 12 months no interest plan, provided you pay the balance in full during this period. Please have this balance transferred to under this plan.

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