BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 been making regular student loan payments to XXXX XXXX throughout the entire Coronavirus period of student loan payment pause. XXXX XXXX has apparently not reported my payments to any credit reporting agencies since XX/XX/XXXX ( with the exception of XX/XX/XXXX ). The status on my credit reports for those months is marked as " Unknown. '' On XX/XX/XXXX, my TransUnion credit score suddenly increased XXXX  points. By XX/XX/XXXX, my TransUnion FICO XXXX  score dropped XXXX points through no fault of my own. I spoke with TransUnion two days later and the explanation they gave me for the sudden decrease in score was that XXXX XXXX had not reported any of my student loan payments made since XX/XX/XXXX. TransUnion then filed a dispute on my behalf with XXXX XXXX. 

I also experienced a credit score drop with XXXX the first week in XXXX ( XXXX points ) and filed a dispute online, which, within three days was disproved due to a " lack of information in the documents I uploaded. '' This sudden credit score drop with XXXX has somewhat resolved itself as my score has slowly increased throughout the last few months. 

As of today my TransUnion FICO XXXX score is still down XXXX points since XXXX XXXX, XXXX, with no explanation for this. My credit scores have increased with XXXX and XXXX, but not with TransUnion. This drop in my credit score is really aggravating, as I have worked extremely hard to raise my score throughout the last XXXX  years. It feels as if TransUnion is intentionally preventing consumers from elevating their credit scores, ensuring that people like me keep paying higher rates on their loans and mortgages. 

Here are my FICO scores as of XX/XX/XXXX : FICO XXXX - TRANSUNION - XXXX - FROM XXXX XXXX XXXX FICO XXXX- XXXX - XXXX - FROM XXXX XXXX XXXX XXXX FICO XXXX  - XXXX - XXXX - FROM XXXX FICO XXXX XXXX TRANSUNION - XXXX - FROM XXXX  XXXX FICO XXXX XXXX  XXXX - XXXX - FROM XXXX XXXX On XX/XX/XXXX, I had finally attained the " Very Good '' Fico XXXX credit rating, only to have my rating plummet back down to " Good. '' This setback will now prevent me from applying for a new credit card, or a personal loan for my new business, or even purchasing a home. 

At this point I really don't know what to do and am feeling quite frustrated with TransUnion. I have tried to call them several times in the last couple of months, but I can not get through. I am seeking guidance from you on my next step in this matter. 

Thank you very much for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2022-06-24
Company: EQUIFAX, INC.
State: MT
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$13.00}. According to FCRA Section 605B ( a ) the 3 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.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-19
Company: EQUIFAX, INC.
State: NC
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}. According to FCRA Section 605B ( a ) the 3 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.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: EAST WEST BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I refer you to East West Banks response dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint. 
Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps XXXX ) belief in the system, I had high hopes for East West Banks letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates Good Industry Practices, which call me to defend my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 2022-06-24
Company: DISCOVER BANK
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened my savings account at Discover Bank and I transferred all my savings from my current savings account to them. After they received the money they shut my account down, told me there was fraudulent activity, and gave me a number to call them to look into my account. After being on hold for more than 8 hours I was finally able to speak with a specialist and she told me the money would be sent into my previous account immediately but it wasn't. I had to call again and be on hold for more than 4 hours and this time they told me they will be sending a check in between 60-90 days. I then asked to update my address since I will be moving and I will not be able to receive the check by the time they send it. They have transferred me from one department to another for this and are refusing to update my address or explain why they shut down my account the second the money was accepted. They have taken my money and refuse to communicate with me. 

I opened my Discover savings account on XX/XX/XXXX, I transfer XXXX on XX/XX/XXXX and they received the money on XX/XX/XXXX at XXXX am and six hours later they closed my account and refuse to send the money back. 

No one answers the phone, I asked to talk to the supervisor twice and they don't pick up the phone, one agent told me they would cancel the transfer immediately and the other that it will take 90 days, they refuse to update my address for the check to be sent and they are not taking any action on my case. They advised me to talk to my other bank to see if they can recall the transfer since they are not able to do it sooner but they already take and hold all my money.

I am not able to wait for that long for my money to be sent back, those are all my savings, I have bills to pay, rent to cover and expenses to be cover.I need help and they are not helping me in any way. Please help me get my money back I really needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX, XXXX Account # : XXXX XXXX Account Type : Installment XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Automotive : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXXnce : XXXX XXXX XXXX CO XXXX : XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Finance : XXXX XXXX XXXXXXXX Finance : XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX  XXXX Automotive XXXX XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Finance : XXXX XXXX XXXX Home Furnishing : XXXX XXXX XXXX Finance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance XXXX {$460.00}, XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 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 XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To date, the bank charged me over {$1500.00} in overdrafts fees and only refunded some if it. 
=================================== Complaint Against : TD Bank , N.A . Corporate Head Office XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX ==================== Dear sir/madam, I am writing to make a complaint against the above mentioned bank regarding an excessive numbers of fees applied to the following two accounts : ============================ Checking Account # XXXX ============================ Money Market Account # XXXX ============================ I have spent reasonable efforts to have the bank rebate the numerous and excessive fees applied to the above two mentioned accounts. 

I would like to have all fees rebated for financial hardship. I can't afford to lose such amount. 


Thank you for your kind assistance and look forward to hearing from you. 

Respectfully, XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: AMERICAN EXPRESS COMPANY
State: WA
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 received an email from credit karma that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( AMEX ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint. Also AMEX ran a hard inquiry twice on my credit, which both times I did not consent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: U.S. BANCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I contacted the company several times to change my personal information that was compromised. They refused to change my information to help my identity. My local bank has a different story. I payed through them every month on top for all my payments I made through out every month. I made a XXXX dollar payment out of XXXX dollars before they closed the card then added another XXXX dollars this past month. They seem to raise my loan all the time. The current balance is {$610.00} no transactions so far. available credit is XXXX. Last statement balance {$610.00}. They wanted to have a payment quickly. statement closing date XX/XX/2022 payment due date XXXX ; XXXX miminumun payment {$40.00} When I call them they tell me I have to pay them every XXXX by that date. I told them I have social security. They didnt seem to care. My first payment was XX/XX/2022 of {$100.00} Payment description was payment thank you. for each payment. next payment receeived was XX/XX/2022 of XXXX then XX/XX/2022 {$200.00} then the next payment was XX/XX/2022 of {$50.00}. After my second payment I noticed someone from my local bank contacted me and told me to come in and said someone was pulling out money without my permission. I found out it was the credit card company. They took out the rest of the payment of the card without my permission and consent that month after I payed them {$100.00} on XX/XX/2022 everytime someone uses that card or number my loan increases. They refuse to close it. They keep it open all the time.

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