BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: TD BANK US HOLDING COMPANY
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
i only gave them premission to run my credit one time not twice they have two different dates on my credit i will like the inquire for XXXX XXXX to be taking of my credit report i didnt give them premission this day

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-12-19
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX  card, XXXX XXXX XXXX td bank/targetc, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


XXXX. XXXX XXXX  {$690.00} XXXX. XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$520.00}

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 2019-12-19
Company: ONEMAIN FINANCE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, one main, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, navy fcu, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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

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 2019-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint concerns the inability of the bank to communicate with its clients concerning its fraud examination and claim determination process. We are concerned that mishandling of our complaints is evidence of widespread disregard of the bank 's obligation to its customers and should be examined on a systemic basis.

Our underlying claim involves several unauthorized debits on our debit card. When we discovered them we asked the bank to cease the debits and investigate the fraud. They credited our account, then after " investigation '' withdrew the money. They never advised us how the debits were authorized, they only told us that our account usage reflected the fact that we must have known ( and therefore authorized ) the debits. After 2 requests for reconsideration directly with B of A which were frustrating and not fruitful we then filed a complaint here. 

We were contacted by XXXX XXXX in B of A Compliance on XX/XX/19. I explained our issues and concerns and she said she would get back to me. B of A issued a letter dated XX/XX/XXXX claiming to have resolved our claim and credited our account with {$460.00}. The letter does not explain how they resolved our claim. We do not know whether they reversed their their previous decision that the debits were " authorlzed '' We do not know how they determined the amount of money they credited to our account. Their assertion that the claim was resolved was hollow. 

Ms. XXXX called left me a message telling me that the claim was resolved on XX/XX/XXXX. I returned her call that day, and in fact tried her twice on XX/XX/XXXX, once on XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX and once today on XX/XX/XXXX. She has not returned my call. I have no more information than I had prior to filing my initial claim. This can not be an acceptable banking practice.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2019-12-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a follow-up compliant to one I sent in XX/XX/XXXX. The bank replied in XX/XX/XXXX and that reply was unsatisfactory. I attempted to reach out to the bank and left a message for the person who signed the response letter. I also added feedback on the original complaint, which has also gone unaddressed. I have attached the complaint and accompanying feedback as well as the original response to this complaint. I have also attached my transaction history since XX/XX/XXXX when I thought that I had paid in full. 
In XX/XX/XXXX I called to make the payment and XXXX out the account because I was fed up dealing with the bank. The accepted my payment and I thought I was finally done, but nope not with HSBC. The continue to charge me returned check fees for payments that they are trying to remove from a bank that has been incorrect since XX/XX/XXXX or XX/XX/XXXX. They have been repeatedly told this but refuse to delete the bank account and instead try to take money from it causing returned payments and subsequent fees. The calls that I have had with the bank have been nothing, but headaches and I refuse to deal with them directly any longer. 
I want the account marked paid in full as of my payment in XX/XX/XXXX and the fees that have accrued since. Additionally, since I dont owe these fees I want my credit report updated to reflected the paid in full in XX/XX/XXXX and the delinquencies removed. I would remove the bank account myself, but since the credit card account is closed the ability to do so has been removed ( or at the very least I do not know how to do it and no one has told me ). I would be willing to pay the current balance just to be finished with the bank. However, I would only do that under two conditions. 1. I receive assurance in writing that no further charges will accrue on my account and 2. My credit report is updated to remove all delinquencies back to XX/XX/XXXX. This is not intended to admit that I owe these fees. This is clearly a bank error, or perhaps it is intentional to get more revenue, regardless I want to be done with this headache and move on. The correct resolution that should occur is the fees waived/removed and the delinquencies removed and my credit report updated as paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-12-19
Company: Midwest Recovery Systems
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This account does not belong to me as I keep track of my accounts. There was never any mail, phone calls, or emails to notify about account. The XXXX has notified consumers of this account a high level of reports of fraud. The phone number provided is not accurate as I continue to receive busy signals. I am requesting to please remove this account as it continues to affect my score. I have also consulted with a lawyer and was asked to also take this step. All three credit bureaus have been notified as well. Thank you. 

XXXX  Link : https : XXXX Collections agency commiting this fraud : MidWest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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: Information belongs to someone else

Complaint:
I am uneasy about the ability about communicating a dispute involving Identity Theft, I have tried on several occasions to electronically and telephonically communicate to XXXX   Credit Reporting Agency that I am a victim of Identity theft and never gave permission nor received benefit of the accounts and inquiries acknowledged. The Accounts and inquiries of concern are as follows : XXXX XXXX XXXX  Acct # XXXX ( {$8.00} ) XXXX XXXX XXXX  Acct # XXXX ( {$2500.00} ) XXXX, XXXX-XX/XX/19, XXXX-XX/XX/19, XXXX-XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX-XX/XX/19

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 2019-12-19
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare is my mortgage company that my mortgage was transferred on XX/XX/XXXX. My previous company tried to pay school tax and reported the check was sent back to them. Next, they sent this check to my LoanCare since they took over my mortgage. LoanCare never paid school tax on my behave. Now, I am facing collection because they keep delaying the payment. I sent a fax with copy of the tax bill and attached a copy electronically. They told me XX/XX/XXXX will be the date they decide on paying. Today I called and they said the date was moved to XX/XX/XXXX.  My township is saying they are starting collection process on me since I didn't pay school tax. I need help please.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 2023-08-09
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:
On XX/XX/2023, XXXX XXXX filed an Identity Theft report along Ftc report for True Identity Fraud to the credit bureaus about fraudulent accounts on my credit report. I am a victim of identity theft. The credit reports XXXX, XXXX and Transunion refused to correct the 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 2023-12-12
Company: EQUIFAX, INC.
State: GA
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:
There are a number of derogatory accounts reporting on my file that the credit bureau repeatedly fail to comply and properly validate. The information reporting does not belong to me and a result of identity theft its violation of my consumer rights pursuant to the FCRA. I would like this information removed immediately.

Company response to consumer: Closed with explanation