BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2015-06-22
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Bank owners rob clients. 
I, XXXX XXXX, accuse the XXXX bank owners of conscious and notorious robbing clients by setting up accounts without overdraft limits. 

The bankers have set up this way a financial trap to charge clients illegal fees for overdraft. 

Oftentimes and not due to their own fault, people pay penalties of {$35.00} for overdraft of even a single dollar. 

The criminal procedure has been going on in the XXXX for decades, and as financial specialists estimate, people are robbed in the range of $ 40- {$60.00} XXXX annually. This is an intentional manipulation of bank accounts. 

The bankers absolutely can not defend themselves by the client agreement because in practice it is not an agreement for dictatorship. Once I asked a banker if he will open an account for me if I refuse to pay late/overdraft fees, he answered : NO. To a question if he can block my account when I use all my funds, he answered : NO. 

And the problem is very simple ; accounts should be blocked when the deposit is down to zero. 

This is how it 's handled in XXXX where I was in XXXX. The criminal system does not exist over there because the accounts are blocked when there are no funds in them. 
The XXXX banks, and along with them other financial institutions, commit the biggest theft in the history of this planet, which I estimate in trillions of dollars. I personally lost thousands of dollars in the XXXX banks because of this reason. 

Some of the richest people agitating and bribing influential people and use XXXX to achieve their dirty goals. This XXXX, and you as the government, you nothing can do with this, but I can do a lot in XXXX, this is my duty. 

In my writing to the government of XXXX you can read what penalties are meted out for wrong doing. However, very interesting is video on XXXX Wake Up Call. 

I, XXXX XXXX, request that you at CFBP initiate governmental investigation on these procedures. Please inform me if your legal status does not allow you to initiate this investigation, then I will send this accusation to the XXXX Attorney General. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just discovered today that I C Systems XXXX has placed a derogatory account on my credit report that is not mine. The debt came from a medical facility, XXXX XXXX XXXX. I have never taken a pet to that hospital for any reason or any services. By law businesses and the credit bureau are supposed to verify and validate any information they add to a consumer 's account. No one from this establishment has ever contacted me to verify If I am the person this debit belongs to. Ive recently added a fraud alert on my account due to my social number being exposed. Seems someone has compromised my personal Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have a store credit card with Macys. In XX/XX/2020 they reported my account to the credit bureaus as late. I contacted them to advise them that I was affected by Covid-19 and had a temporary loss of employment. They sent me a letter stating their findings were accurate and that they could not remove the late payment status from my 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 explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been submitting countless CFPB complaint to request the removal of the fraudulent items from my Credit Report. But despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA section 605b, I am ordering the Credit Bureaus to DELETE the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX 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 2015-12-23
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Approximately one year ago myself and my son both opened a savings and checking account with US Bank. I am a XXXX, and my son XXXX. 
In XXXX 2015 my son inadvertently deposited a check into my savings account without my knowledge for {$2200.00}. US Bank DID NOT place a hold on the check and my son withdrew all the money and spent it, again without my knowledge. On or around XXXX XXXX, 2015 the check was returned unpaid and stamped refer to maker and, the account was overdrawn over {$2000.00}. My social security benefits and pension check are automatically deposited into my checking account. When the check was returned unpaid I had {$700.00} in my checking account and US Bank transferred that money into the overdrawn savings account. I learned about this when I went into one of the branches to cash a check for cash. The teller told me that the savings account was joint with my son, and they had right of offset. I never added my son or authorized anyone to include him as a joint signer. That would make no sense as we both had our own accounts. 
On XX/XX/2015 when my social security benefits and pension were deposited into my checking account, US Bank would NOT let me withdrawal any funds until the overdrawn savings account was covered. 
I am almost XXXX years old a XXXX Veteran, a widower, and fighting XXXX. My social security and my pension are my only source of income and what I rely to live on. 
I feel I should NOT be responsible for something my Son created and, I had no knowledge of. 
I reaching out to CFPB because US Bank will still not let me have access to my money. 
I thank you in advance, and look forward to some assistance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have XXXX & XXXX mortgage w/ US Bank . Unlike others I have a much bigger XXXX mortgage than XXXX. When I went through hardship for few years and tried modify my loans several times but my income is high for the XXXX mortgage to consider modification and got rejected ,XXXX mortgage will not even review my modification package without being able to modify my XXXX. So I was going circle very frustrating without being able to have US bank to find someone to look at my whole situation even after several attempts to modify my loans with submitting detailed letter. Their XXXX and XXXX mortgage is like XXXX different banks who does n't care each other or their consumer 's situation at all.Finally had to filed chapter XXXX few days before the foreclosure court date in order to avoid foreclosure from the XXXX mortgage. While my case in the Bankruptcy, Going through same circle and finally had XXXX mortgage to review my file for the XXXX time, but while I was waiting for their appraisal to come through they send a notice for rejection and by the time I received the notice, responding dead line is already passed. That was so frustrating experience, after waiting XXXX years to have my second mortgage to review my file and got rejected for refusal of appraisal while I was waiting for their appraisal set up to go through week after due to their appraisal 's schedual. 
Received their notice passed their dead line to respond. 
THAT WAS QUITE AN EXPERIENCE HOW BAD THEY NEGLECTING ON THIS CASE. 
I even overnight to responds on their refusal but only answer came back was just resubmitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a one thousand dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ 700+ ) and XXXX credit card ( $ 900+ ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call and they said they were from Ally Financial Institutions ( the company that has a line on my car ). I had to verify the account for them and we did it through my social security number instead of account. Immediately I noticed the person 's XXXX was poor. Then they said my account was in collection, which I knew to be untrue. I hung up but they already had my social. I called Ally to verify. They were unconcerned and offered zero assistance, only verified that my auto loan is in good standing. At the end of the scam call, the person stated they were from a law office and not Ally. The incoming number can also receive calls and the scam number was XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX TransUnion, and XXXX keeps adding information to my credit report that is false, been deleted or 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 explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-27
Company: EQUIFAX, INC.
State: CA
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 have been submitting countless CFPB complaint to request the removal of the fraudulent items from my Credit Report. But despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA section 605b, I am ordering the Credit Bureaus to DELETE the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: CA
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-02-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting XXXX again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

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 2022-02-22
Company: FORD MOTOR CREDIT CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Bankruptcy listed on my credit reports. The bankruptcy was dismissed due to improper management by XXXX. The case did not go to confirmation trial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: GA
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 am having a problem with Equifax removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. Equifax is claiming that this statement is there because of XXXX XXXX  XXXX. However, I have never made a late payment with XXXX XXXX  XXXX since my loan was transferred to the company. They claim they investigated this matter and XXXX claimed that this information was true. The document provided from XXXX shows my actual payment amount in some places incorrect. All payments through XXXX XXXX  are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to XXXX XXXX have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. Equifax continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If XXXX XXXX  is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with XXXX nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with XXXX XXXX XXXX for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.

Company response to consumer: Closed with explanation