BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX and XXXX  XXXX account # 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-10-20
Company: Experian Information Solutions Inc.
State: TX
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 would like to file a formal complaint against Experian for violating my FCRA rights. I've sent several letters to Experian to try and get them to investigate these inaccurate accounts on my behalf. They haven't done anything to help me get these inaccurate accounts and errors removed so I am reaching out to you for help. I have attached the last letter I sent them so you can see all of the inaccuracies in their reporting. Please help me get these accounts removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX have authorized 37 inquiries to show up on my consumer report without my permission and I tried to report it and they wouldn't help. 
I paid over XXXX to fixed my credit and XXXX make it hard to take any off and according to consumer law anything reporting to my credit without my permission has to come off and they won't follow their own law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: VA
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 is not information relating to any transaction by the consumer. 

Please remove these items immediately : 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 explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
They are inaccurately reporting late payments on my XXXX XXXX XXXX account for the months of XXXX and XXXX in the year of 2018. I have asked the bureaus the provide me with any evidence suggesting otherwise and they have been unable to do so. At this point they are violating my constitutional credit right provided by the FCRA with inaccurate information and needs to be removed immediately. My next steps are to seek compensation and file a litigation lawsuit for incorrect information. 

XXXX XXXX XXXX XXXX XXXX is not mine and is an error of identity theft. This account needs to be removed immediately from my credit. 

There are also several unauthorized inquiries on my report which I have listed below and also need to be removed immediately : 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 2022-10-19
Company: Reliant Capital Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a 100 % XXXX veteran. My total college debt was dismissed in early XXXX as a result of my XXXX. The debt in question, was on my reports 2 years ago, because XXXX XXXX sold the debt to another collection agency who attempted to collect on the debt, but were unsuccessful because it was determined the debt was 7 plus yeas old. As a result, it was removed by all three credit bureaus. 
The debt is a Stafford loan debt. Stafford Federal Student Loans stopped offering student loans since XXXX. XXXX XXXX as well as Reliant Capital Solutions have both changed the dates on the debts and were able to put it on my credit report. I graduated from XXXX XXXX in XXXX ( I can forward a copy of my degree ). I also have a copy of the original Stafford loans ' promissory note, dated XXXX. I had graduated by then. Again, thr dates were altered to enable them to sell it to a collection agency. 
I can provide supporting documents upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-20
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct these accounts : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00}

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 explanation
Consumer complaint received 2023-01-04
Company: U.S. BANCORP
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I made my payment using my external Saving account. They withdrew from my checking causing me a late fee with US bank {$30.00}. I was also charge {$50.00} from my external bank XXXX XXXX XXXX. I have a screen shot of my external account being set up with Saving selected. Please note, this Savings account is used for a different mortgage and gets withdrawn from saving flawlessly as well. US bank has blatantly disregarded the issue they cause and placed me on mute until disconnecting the call when I asked for a higher manager. I was placed on mute and hung up on 2-3 minutes later. Although I have not been reported to the Credit as delinquent, I want my internal US Bank delinquent status removed with US BANK. I feel this is being done intentionally to de-fraud customer and gain late fees on unsuspecting customers. Although it was waived it took a fight to get it waived and they still own me what my other bank charged me {$50.00}.

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 explanation
Consumer complaint received 2022-10-19
Company: STATE EMPLOYEES CREDIT UNION
State: TX
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:
In XX/XX/2022, i was alerted by my sister that {$1000.00} was withdrawn from our joint account with N.C. State Employee Credit Union. After looking for more suspicious activity, I discovered that several thousand dollars had been fraudulently transferred electronically over several months across all 4 of my accounts ( my personal checking, savings, my joint checking, joint savings ). This was done using account and routing numbers. No debit card activity detected.

my credit union told me that because it happened over 60 days ago, there was nothing they could do. they gave me an affidavit to bring to file police report. I closed all four accounts and opened up four new accounts. the police detective has been trying to reach the credit union to get transaction details, including bank transfered to, computer IP addresses, etc, but the credit union will not cooperate. They tell both the detective and I that they do not have this information. I have lost $ XXXX. 
i closed all 4 of my accounts that have been compromised and opened up new accounts. in the past month of opening the new accounts, the same fraudulent activity has occured and I have lost an additional $ XXXX. The bank is filing a charge dispute because it is within 60 days, but I was never alerted of new suspicious activity on my account. 
I have now lost $ XXXX in my credit union and can not get any details as to where the transfers are being deposited. This is what the police detectives are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1692 C says that if a report has been made, accounts must be removed. 

According to review, I have filed a report with the Federal Trade Commission showing that these accounts were opened fraudulently. I have attached a copy of the report to this e-mail. The accounts include : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Our mortgage was transferred to Carrington Mortgage Services last XXXX. They claimed that we had no insurance ( not true ) and requested that we submit proof of insurance or else be charged for their " forced insurance. '' I submitted insurance information twice, most recently on XX/XX/2023. I also twice gave them the contact information for our insurance agent. They have continued to take an extra XXXX XXXX/month from us, and have not corrected the situation. I just spoke with them again today and got the same story : Submit your policy, provide contact information for our insurance agent, wait another 5 business days. I have no reason to think the outcome will be any different the third time. This seems like a scam to me, and they should not be allowed to take money from our bank account as they have, and not to respond to the information that I have provided them. I have spent hours on the phone with them and provided everything they have asked for, now three times. We have had this mortgage for 22 years with several different servicers, and have never experienced this kind of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, Account name XXXX Account Number XXXX, Account name : XXXX Account Number XXXX, Account Name XXXXXXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account name XXXX Account Number XXXX, Account Name XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX, Account Name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX Account number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name 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 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 2021-09-01
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed my account due to 3 clerical errors I made that happened when I was trying to pay more than. what was required. 

Then, they confiscated half my rewards $ $ as well. This was a percentage of charges I was promised if I used the card. Do not see how they can justify taking away this amount that I had already earned.

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 2023-04-17
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I'm so sorry you lost my first complaint with PNC Bank, # XXXX this has something to do with that. I got a call from PNC wanting to know how I liked the bank, I told her twice I was closing my account for lying to me when I opened the account. A few weeks later I closed the account when all outstanding was complete righting on the last check " to close account '' since then every day they send me a low account notice. Now they won't allow me to log into my account and want to charge me {$24.00} fee for what I don't know. This is a closed account and I don't owe them anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: EGL US, LLC
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: Their investigation did not fix an error on your report

Complaint:
BMG MONEY REPORTING WRONG BALANCE ON MY CREDIT REPORT, BALNACE IS NOT XXXX TRIED NUMEROUS TIMES TO GET THIS MATTER RESOLVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Bread Financial Holdings, Inc.
State: MD
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:
Comenity Bank has not updated the payment history on two accounts since XX/XX/XXXX XXXX  CC paid in full and balance still showing XXXX as of XX/XX/XXXX Express CC paid in full and balance still showing XXXX as of XX/XX/XXXX I have sent secure emails to both CC companies via their app and no response XXXX XXXX account was not accessible in XX/XX/XXXX and payment could not be made. Error was blamed on system update. Late fee was assessed. I emailed Comenity via app secure on XX/XX/XXXX and XX/XX/XXXX. Still no update and late fee not removed. Account has always been paid on time. 

My credit score, debt ratio and utilization are being affected unfairly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to dispute the following information that appears on my consumer report. 

XXXX XXXX XXXX is reporting a collections account that shows a balance of {$97.00} to XXXX. That is inaccurate. I have no account with a balance with XXXX XXXX. This is fraud and a complete lie. PLEASE REMOVE THIS FRAUD FROM MY CREDIT REPORT 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