BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2022-06-08
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 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 604 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-06-08
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
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: Their investigation did not fix an error on your report

Complaint:
Today is XX/XX/2022 I am tired of my rights being grossly violated. 
Why havent these accounts been blocked and deleted? 


EXPERIAN never did do the 4-day block and remove notice I gave them on the XXXX of XXXX.that they are required to do according to 15 USC 1681c-2 Block of Information resulting from identity theft. They are still reporting on my report the companies and inquiries I reported as identity theft on Identity Theft Report # XXXX and Identity Theft Report # XXXX as of today 's date.. 

I am supposed to be notified promptly whether the block was done or declined and the reason why and proof of why it was declined as they are required by 15 usc 1681c-2. 
I want to see contracts/consent forms with my signature. 

My notice was given on XX/XX/XXXX, today is XX/XX/2022. 
See attached Im contacting the attorney general if this situation is not promptly resolved.

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 2022-12-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on 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 non-monetary relief
Consumer complaint received 2022-07-29
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:
On Saturday, XX/XX/2022, I received an email alert from Experian that a new account had been detected by XXXX on my credit file, therefore impacting my credit score. Someone has fraudulently opened a " XXXX '' credit card or bank account in my name. Upon further investigation, I learned that XXXX XXXX " is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. '' This is the second time that someone has opened a " XXXX '' account in my name and triggered an alert from the credit reporting agencies and the 10th+ time I have wasted valuable time and resources investigating and disputing these nefarious activities. I have no interest in contacting XXXX XXXX  directly, as I am suspicious of their legitimacy.

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 2022-07-04
Company: EQUIFAX, INC.
State: IL
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  accounts XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX and XXXX 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. States a consumer reporting agency can not furnish a account without my my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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:
XXXX, Experian, XXXX, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions Inc CFO, XXXX XXXX XXXX XXXX XXXX XXXX, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period.

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Santander Consumer USA XXXX Inc., I have received your letter as dated XX/XX/2022, see attachments. In addition, I am confused by letter. Can you please produce any documentation when have I ever mention anything about bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've opened a Saving account and Safe Deposit Box with Suntrust Bank Branch location : XXXX XXXX XXXX XXXX, XXXX, GA XXXX in XXXX. I forget all about the safe deposit box due to me moving. I went back to the same branch location earlier this year attempting to retrieve the contents/ property that was inside the safe deposit box. The branch manager attempted to lookup my information via my Social Security, Name, Address. She stated system shows " no account found ''. I explained to her that the saving account and safe deposit box was opened Under Suntrust Bank, not, Truist. She stated system would have still found my account base on my social security. The Safe Deposit Box had my original Birth Certificate and I want it back. I also had other personal items inside the safe deposit box. I want all the content back. I'm originally from XXXX, it will be extremely difficult for me to get another copy of my birth certificate from XXXX due to the country 's political unrest. At no point did someone from Suntrust or Truist bank contacted my about the safe deposit box. Never received any letters regarding box being closed down. I currently live in Florida and attempted to get a local branch manager at Truist in XXXX XXXX, FL to assist. She went an email to the XXXX, GA branch and XXXX XXXX was supposed to get back to me, but I have not heard anything over 2 months. I also contacted GA Dept of Revenue/ Unclaimed Property division and they don't have any item for me from Suntrust/ Truist bank .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: AES/PHEAA
State: UT
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:
Fedloan zeroed out the balance owed and transferred this account because their contract was up with the XXXX XXXX XXXX. In the interim a class action law suit was in the final settlement approval stage. This account no longer exists in the eyes of the court. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have incorrect addresses reported on my credit report, that have accounts attached to them that are not mine. 

The following addresses on my credit report, I have NOT lived at : 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 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 2022-12-05
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXXXXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX  XXXX has violated my rights on my XXXX report 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I paid the final payment on a custom dress only to discover that I had been frauded and not given what I purchased. 

After immediately trying to return the dress after making the final payment when I realized I had been frauded by the merchant and the merchant refusing a refund, I began contacting government regulating agencies for help. After over 3 months of trying to work with the merchant to get my money back Capital One reversed my temporary credit and recharged {$1700.00} to my Capital One 360 Checking account on XX/XX/XXXX. 

While I do have a line of credit, I did not use the line of credit to make the {$1700.00} payment to the merchant and no finance charges should have ever been charged to me as the Capital One 360 Checking Account is marketed as a no fee account and this was a chargeback by Capital One regarding a dispute where fraudulent merchandise was returned back to the seller. 

I nonetheless took steps to source the account despite Capital One failing to return my money for merchandise that was fraudulent and returned to the merchant. 

I thought my IRS refund for my taxes would come sooner and arranged for the remaining balance from the chargeback to be paid to Capital One though it took over 3 months. During this time, Capital One closed my checking account and began charging me finance charges for the disputed {$1700.00} that was charged back and claimed it was for the line of credit which I had not used to make the {$1700.00} payment to the fraudulent merchant. 

I was charged roughly {$50.00} in fees and when the IRS refund deposited into the checking account I tried to pay my Capital One credit card with the remaining balance of about {$840.00} which was rejected and was charged a {$40.00} fee on my Capital One credit card in XX/XX/XXXX though the account was opened but revoked. I was not aware that I could not use the Capital One checking account to pay the Capital One credit card account since the negative balance from the chargeback had been paid and the account was still open. 

Instead, Capital One charged me a {$40.00} fee to my Capital One credit card in XX/XX/XXXX in addition to roughly {$50.00} in finance charges. 
Again, these are charges on a chargeback dispute. 

The Capital One checking account and line of credit were permanently closed by Capital One bank and Ive been left with fees from a no fee checking account for a dispute with a fraudulent merchant. How is any of this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I requested a Pre-qualification From Capital One Auto Finance I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from XXXX credit companies XXXX, XXXX, XXXX. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because capital one is XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( Capital One Auto Finance ). 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: KEYCORP
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted this company repeatedly with questions or concerns with zero response back. I have complained to the executive team who does absolutely nothing and doesn't listen. I've complained multiple times now that nobody responds when i try to contact them. Nothing has been done. XXXX with the executive team does nothing and this has occured twice now. I asked him to contact me when he fixes issues and I haven't heard back from him. I've filed a formal complaint against him and KeyBank has done nothing. Not communicating with customers, especially loan borrowers is not ok. I don't think this company cares about customer service and certainly lies when they say " someone will contact you shortly '' on their site after filling in the contact form. This is false advertising and failure to address customer concerns regarding a mortgage. KeyBank refuses to respond to me at all.

Company response to consumer: Closed with explanation