BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According t

o 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2023-12-14
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I mailed a check in XXXX from the Title company. It took a month for Total Visa to locate the check and credit payment in full. I also reported the card lost. Total Visa said they would not be replacing my card which was fine. They sent me a letter saying the account had XXXX balance. Then Total Visa opened a new account without my knowledge or permission and began billing me. I paid the bill for a while because I forgot about the letter they sent. They harrased me so much that when I found the letter and compared the account numbers, finding they didn't match, wrote them a letter requesting they correct the records, and issue a refund. and i stopped making payments. Now they have reported this to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Td bank has repeatedly refused to correct inaccuracies with my XXXX account. They continue charging late fees even with every payment made on time. Td bank has my monthly amount incorrect, balances incorrect, total amount owed incorrect. I have documentation directly from XXXX verifying the monthly amounts, finance terms and balance owed. Td bank refuses to correct this on my account. They continue charging late fees for not paying the amount they have incorrect. My balance on some devices don't go down even with payments being made. My overall balance continues to increase even with payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 Subject : Identity Theft and Unauthorized Collections on Credit Report Dear [ Collection Agency Name ], I hope this letter finds you well. I am writing to bring your attention to five collections that have appeared on my credit report, which are a result of identity theft. This unfortunate incident occurred on XX/XX/XXXX, when my car was stolen along with personal identification documents. 

I would like to clarify that I did not initiate or authorize any of the transactions associated with these collections. As the victim of identity theft, I have taken the necessary steps to report the incident to the relevant authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ). 

Enclosed with this letter are copies of the police report and FTC complaint, providing evidence of the identity theft and unauthorized transactions. I kindly request that you review the information and take appropriate action to rectify this matter promptly. 

I understand that your role as a collection agency is to recover debts owed to your client. However, in this case, I am not responsible for the debts in question, as they were incurred fraudulently without my consent. I request that you remove these collections from my credit report immediately, as they are negatively impacting my financial standing. 

I have also taken additional steps to protect my identity and prevent further fraudulent activities. These actions include placing a fraud alert on my credit file, notifying my financial institutions, and monitoring my credit reports regularly. I encourage you to cooperate fully in this matter and help resolve the situation as soon as possible

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card ending in XXXX is being charged for something I did not authorize. Captial One restricted my account but will not allow me to report unauthorized charges. I have contacted them numerous times and they keep telling me someone will contact me. This is ridiculous. I want the card unrestricted and the ability to report fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I called Arvest Bank to make a credit card balance transfer to XXXX XXXX XXXX for the amount of XXXX. I received a letter back postmarked XXXXXXXX XXXX XXXX from the president of credit card division of Arvest Bank. The letter read that they were pleased to inform me that the following balance transfer has been processed. The letter included XXXX XXXXXXXX XXXX with the last 4 digits of account number and amount of XXXX. It read please allow up to ten business days for check ( s ) to be completely processed. I waited at least 3 weeks before I called them back. No response, no action taken by the company. On XXXXXXXX XXXX XXXX, I went to a local branch to speak to an Arvest Bank representative. This was 37 days after the XXXXXXXX XXXX letter from president of credit card division. She said she would e-mail me back with an answer from the accounting department. There was no response and no action taken by the accounting department.

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 2023-12-05
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
I am filing another complaint in response to my last complaint. I have tried and tried to have Nelnet assist me as the co-borrower and I have been told I have no rights to making decisions with the loan for YEARS. I do not have access to the online account and need it. I have requested a forbearance and have been told that I can not qualify without the primary borrower and now it is because they are commercial loans. I can not consolidate into a Direct Loan as suggested by Nelnet in a recent email sent to me because the loan is going into default. The primary borrower is now homeless and inpatient in a hospital as of Sunday XX/XX/XXXX. I am waiting for the loans to be separated which will not occur until late XX/XX/XXXX. I have been informed that other individuals in the same position as me in terms of commercially held loans have been granted an administrative forbearance for 12 months through the end of XXXX. The Ombudsman does have my case. I have applied for the split of the loans. I have continued to make my partial payment every single month for the duration of the loan and my credit is now damaged because my ex-husband failed to comply with the terms of the loan. I have no protection and for years all that Nelnet says is " Sorry ''. I can not reach a human being at Nelnet 's call center and have to wait until they contact me sporadically. Nelnet is negligent and I have been a victim of not only my ex-husband for years as well as the two student loan servicers in which I had to deal with. My rights were and continue to be violated. Nelnet has no issue now coming after me and admitted numerous times over the years that I would ultimately be held responsible despite my payment history and request for assistance. The Dept of Education and government should hold these lenders accountable like you, Nelnet. Poor and unethical business practices. I disputed my credit report after Nelnet reported the delinquency AND as a result Nelnet sent me a letter stating that I do not have an account with Nelnet. WHAT???!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've explained to this company many times that these charges are fraudulent, and my information was compromised by an ex-spouse that is now deceased. The amount of the debt has gone up from the first time ive became notified about it as well, the apartment company seems as though they just want to make money off of me and dont care if it identity theft. I've tried to explain and reason with them but instead received scare tactics and calls with aggressive reps. I've been trying to tell them this debt is inaccurate since 2019 when i was first notified of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

# 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A person sent me 2 fraudulent checks of XXXX dollars and they scammed me. This girl first dmed me on XXXX and said she wanted to paint a picture of me and in return I would get some money for it, and she said her client would send me a check to deposit. This person sends me the check on XX/XX/XXXX, and tells me that I dont get to keep all of it and will have to send some of it back. I send it back, which was the XXXX but as a result I got scammed and this person wouldnt stop spamming me and they were threatening me and harassing me to send their money back or they would hurt me and my family, so I just wanted to give their money back, and as a result my account is now XXXX dollars and I am only XXXX. I was crying so much because I didnt know what this person was capable of or doing which is why I just wanted to send them back their money but it was a scam and I shouldve known.

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 2023-10-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm requesting an investigation of Chase Bank for their error in processing a request to terminate an ACH payment to the vendor. Chase Bank mishandled a request in that I requested that they immediately block and terminate an ACH payment arrangement to XXXX. This request was made because XXXX XXXX dispatched a service installer to provide a Wi-Fi installation in XXXX of XXXX. The service provider, during or immediately after the installation stole numerous items from my residence. I opted to cancel the automatic payments to XXXX because of their poor response to the theft perpetuated by their employees. Chase Bank 's XXXX service center erroneously canceled payments made to XXXX XXXX instead of XXXX. When notified of their error XXXX issued a small credit in/around XX/XX/XXXX to XX/XX/XXXX, but they did not rectify the stopped rejected ACH payments from my Chase account to multiple ( 3 ) separate XXXX XXXXXXXX accounts which resulted in XXXX XXXX denying my ability to make check based payments and damaging my credit and fiduciary relationship with that utility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 items which are 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. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. 
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 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

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 2022-09-28
Company: SYNCHRONY FINANCIAL
State: CA
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 have a credit inquiry on my credit report that I didnt apply to and I tried calling but they dont want to take it off I never applied to them before synb/chervon dc on XX/XX/2022 I never applied there any inquiry I have I have a card with them I never applied to this and I want it removed from 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 2023-12-14
Company: LEXISNEXIS
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give this company the right to do background checks. 
and I do not know who is put in my public record, what is this company doing in my public record share my information with who. 
All I know is that the company monitors people. 
I am very concerned about the existence of this company me public records in my account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on 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