BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On several occasions within the past month I have applied for the apple credit card issued by goldman sachs. I have applied directly on my phone as well as on the XXXX website both applications were denied not for my credit but instead denied stating they were unable to verify my identity. I find this to be very odd seeing as I provided them with my date of birth as well as social security. I contacted apple technical support as well as apple card support specialists as the denied letter advised me to do. When I informed them of what the denial letter stated and I offered to fax them copies of my ID and SSN to verify my identity they stated that they were unable to accept it and that " if I just waited a while '' before applying again that I should no longer receive this message. I can not understand why a company with such technological advances such as apple can not provide me with a finite way to verify my identity so that I may apply for the apple card and possibly get approved. I have a credit score of approximately XXXX and the only reason for my denial is simply because they cant seem to provide me a way to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX I submitted a dispute with Experian, XXXX and XXXX asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!

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: 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 act, my rights have been violated. 
In accordance with 15 USC 1681 section 602a, i have the right to privacy.

In accordance with 15 USC 1681 section 604a section 2 a consumer agency can not furnish a account without my written permission.

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 2022-09-24
Company: EQUIFAX, INC.
State: IL
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 Dispute is geared towards the five credit reporting agencies, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX. These companies are in the business of running criminal enterprises. XXXX and XXXX is in the business of selling personal and private information to XXXX, Equifax, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/22 - I placed a order with XXXX XXXX for {$320.00} for motorcycle parts. They did not have all the parts in stock that were ordered and shipped a partial order. I spoke with XXXX XXXX on XX/XX/22 and I was told they issued a partial refund of {$260.00}. My citibank account was never refunded any amount. 
I disputed this transaction with Citibank and was told they sided with the merchant. The merchant ( XXXX XXXX ) never shipped the complete order or refunded me the money for the parts they did not ship.

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 2020-04-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am bringing this to CFPB second time after crossing 30 day deadline by the credit bureau ( XXXX  ). I have complained about wrong Inquiries on my credit report to the company ( XXXX  ) and asked for a verifiable proof of permissible purpose. 
I did not hear back in 30 days and I complained about this issue to CFPB. I was told that XXXX  is still working on my issue. 
I am requesting second time to CFPB to help resolve the issue as this is a clear violation when wrongful hard inquiries are still showing on my report. I am reserving right to file for lawsuit to claim for {$1000.00} per wrong entry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: TX
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 Texas Office of Attorney General 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 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 explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: In progress
Consumer complaint received 2022-07-29
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We are a small business. We have been doing busine4ss with Arvest Bank since XXXX. Since XXXX of XXXX we have had nothing but problems. We have spent countless hours on the phone and in person with the bank trying to resolve the issues and get answers. To date all we have gotten is the run around. Being transferred from one department to the next or being told that it is not the bank it is the credit card machine company ( which was purchased from Arvest ) and that they have no control over it or the thousands of dollars being taken from our account. 
We completely stopped using this account in XXXX of XXXX and to date thousands of dollars are being taken daily with no explanation! We have deposited cash that has not shown causing overdrafts. When the mistake is finally found, they have refused to reimburse the overdraft fees. We have tried to close the account numerous times, but Arvest has refused to allow us to do so. We are at a point we might have to close our doors and file bankruptcy over the issues caused by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Phoenix Financial Serv and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: NC
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 bal XXXX acc number XXXX XXXX  bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX.Has violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: John C. Heath, Attorney at Law, PLLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
One of the sales rep from Lexington Law called me back in XX/XX/2020 to offer services related to Credit repair. I have problems with spoken English and understanding it. I explained it to them but they convinced me to go ahead and try their services and that language is not a problem. So I went ahead with them for 1 months to start with. The plan was to try the service and based on results go ahead or drop it. With limited understanding of what they were selling, I never fully understood what they were upto. Lexington Law continued to deduct monthly amount XXXX from XX/XX/2020 till XX/XX/2020, They never called me to explain what was going on. Later, while checking my account in XXXX I found out that they didn't stop charging me, after one month of deduction. I cancelled the service in XX/XX/2020 and asked for refund for 4 months out of 5 which they had deducted. There has been no progress so far. I called them plenty of times but they don't act. They promise to call back within 48 hours but no one calls back or follows up. There has been no benefit in my credit improvement but they have charged XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ), a crucial legislative framework established to safeguard the rights of American consumers concerning credit reporting, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : DEPT OF ED/XXXX Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX  Open/Closed Status : Closed Status Update : XX/XX/ Account Type : Installment Status : Pays account as agreed Balance : {$2300.00} Balance Update : XXXX XXXX XXXX  Original Balance : {$2300.00} Past Due Amount : {$0.00} Responsibility : Individual Account Upon reviewing the reported information, I have identified discrepancies and concerns related to the status and payment history of this account. Specifically, the reported " Pays account as agreed '' status and the characterization of an " Unknown payment history '' are inconsistent with my understanding of the account 's financial activity. Furthermore, the reported balance and original balance do not align accurately based on the account 's reported status. 

I wish to emphasize the significance of the FCRA, specifically the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal mandates and the inconsistencies present in the account reporting, I formally request a comprehensive investigation into this matter. I expect XXXX to diligently address the disparities, rectify the inaccuracies, and ensure the reporting is consistent with the principles laid out in the FCRA. 

Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any involved parties, including debt collectors. 

Your prompt attention to and resolution of this dispute are highly anticipated. I trust in your dedicated efforts to address this issue and uphold accurate and equitable credit reporting. Thank you for your cooperation and dedication to the fundamental principles of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TD BANK US HOLDING COMPANY
State: OH
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:
XX/XX/22 a fraudulent hard inquiry was made on my behalf for a credit card at Target. I was notified via email and immediately called Target and submitted a dispute on XXXX. Target saw no account opened, but assured me that they would send communication to XXXX, indicating that it was a fraudulent inquiry. I also placed a freeze on my credit report with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a savings account with Citibank on XX/XX/XXXX Initiated two deposits {$5000.00} and {$500.00} from two separate checking accounts with two separate banks on XX/XX/XXXX. 

On XX/XX/XXXX I received an email stating that my account was closed due to a violation of the terms of my account. ( other than these transfers and setting up paperless billing, I did nothing else to this account ) Called Citi on XX/XX/XXXX to see what had happened. They told me nothing except that my account was locked, I have to wait 60 days to access my funds. They said there was suspicion of fraud, but would not even tell me why my account was locked. 

I received my Citi debit card approximately XX/XX/XXXX. 

Called Citi again on XX/XX/XXXX as unexpected expenses have arisen, and I need access to my funds that are being held by Citi. I received the same response as before, wait 60 days and they will not tell me why my account was locked in the first place. I asked to speak to a supervisor, I was told none were available. I asked when one would be available, so the call center employee took my number and said one would get back to me. Based on my current experience with this company 's customer service department, I assume this call will never happen and decided to file a complaint with CFPB.

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 2022-12-05
Company: CarMax, Inc.
State: NC
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:
CarMax has reporting a increase in my balance to all 3 credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called CarMax on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from my credit report showing I had a collections from a company I didnt know. I called the number on my credit report and they said I had applied to get an apartment and took the deposit back. I own my home and knew it wasnt me that applied. They told me I needed to send proof of where I live and file a police report.

Company response to consumer: Closed with explanation