BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: U.S. BANCORP
State: CA
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:
On XX/XX/XXXX my account was closed for no reason. I called the bank to see what happened and I was put in touch with authentication department. I told them that all purchases are valid and for personal consumption of supplies. They told me that I had excessive spending with a merchant. I told them I did no such thing and never bought anything other than merchandise. No gift cards or anything nefarious. I told them that I never spent more than XXXX percent of my credit line in any given weeks. 

There is no way this can be construed as excessive spending. This is ridiculous. The supervisor didnt care and still closed the account Us bank confiscated over {$300.00} of cash back points I had earned. I would like a statement credit for this confiscation and a restatement of my account which I have only used legitimately and honestly

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 2017-04-26
Company: Experian Information Solutions 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:
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX , MD,  XXXX  LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX , MD,  XXXX  AND MY ADDRESS PRIOR WAS  XXXX   XXXX   XXXX ,  XXXX , SC,  XXXX . I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED   XXXX   XXXX   & EXPERIAN AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO   XXXX   XXXX   XXXX    XXXX   XXXX  ALREADY. I UPLOADED REPORT TO EXPERIAN AT  XXXX . I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.

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 2022-09-27
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 XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card 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 2022-08-01
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00}

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
There is a XXXX XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided. 


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 acount 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 2022-08-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2022-09-27
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I have two hard inquiries on my credit report from XX/XX/2021. I should only have one reported. Called company and they refused to help or remove it.

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 2022-12-09
Company: Self Financial 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:
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 report furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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: 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than 21 times. XXXX 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 XXXX 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 2022-08-01
Company: Experian Information Solutions 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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-01
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-01
Company: EQUIFAX, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX  XXXX Balance : {$0.00} ; DPT EDXXXXXXXX  XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance XXXX {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance XXXX {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: CT
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:
Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )

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 2022-12-09
Company: WELLS FARGO & COMPANY
State: CA
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:
Was charged {$59.00} on XX/XX/29 from XXXX XXXX, however payment was not authorized or coming from me directly. Ex spouse had a copy of my bank information saved on a device of hers and she made a payment under my name fraudulently without my permission. Called Wells Fargo the very same day to dispute the charge. They canceled my card and left me without access to my account or unable to pay online bills for almost a week before receiving a new debit card, but they completely denied the fraudulent charge and said it stands as it is and that I authorized it, which I did not because if I had I wouldn't have called them to dispute it in the first place.

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 2022-08-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX 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 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 explanation