BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account 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

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 2020-04-23
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account and savings account with First Citizens Bank in XX/XX/2020. I funded both accounts with a credit card. I funded each account with {$1000.00} ( {$2000.00} total ). I set up a direct deposit with my employer to deposit some of my paycheck into the checking account. A direct deposit was made. Additionally, I make multiple debit card transactions with the provided debit card linked to the checking account. I have not been able to log into my account since last week. I called the bank, they said my account had been closed. I asked why, I was given a run around and then spoke to a lady that said if I wanted to know why it was closed, that I should contact XXXX XXXX. Two days ago, XX/XX/2020, I received a statement from the bank in the mail. It did not say anything about my account being closed. I have not received any other correspondence from the bank regarding the closure of my account or why it was closed. 

I checked the statement of the credit card that I used to fund the account with. First Citizens refunded the card for the amount that I opened the account with even though, i paid the card off. 

I have not received any reason why my account was closed. Furthermore, I was not told by the bank that they were going to close my account or that they actually did close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2022-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the Past 6 months i have disputed multiple times a couple accounts with Experian. Experian continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verification when asked by a consumer. There are many deviations according to the standards set forth by XXXX XXXX that are not being followed for this reporting of the following accounts. I demand that these accounts be removed immediately from my credit report as Experian has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been summitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following Accounts : 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 2017-07-15
Company: JPMORGAN CHASE & CO.
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:
I was offered a credit card during an Amazon purchase on XX/XX/XXXX, and applied right away. I was given the card, and made 2 purchases with it. The third time I wanted to use it the purchase was not authorized. I called the number on the back of the card and was told chase had closed the account and they did n't have a reason why. Chase closed it on the same month without even a reason or a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX 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 2022-01-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX 2021, I received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX. The letter stated " we have received your request for a credit product with XXXX FINANCING issued by Synchrony Bank. '' The letter further stated that the request was denied as they were unable to access credit bureau due to freeze or lock. On XXXX XXXX XXXX, I sent a letter to Synchrony Bank via regular mail and certified mail informing Synchrony Bank that I am a victim of identity theft and that I did NOT apply for a credit product with XXXX XXXX and/or Synchrony Bank XXXX and I did NOT authorize anyone to apply for credit in my name. I asked the Bank to provide information regarding the application, identity documentation provided, and any pertinent information so that I could add this information to my Federal Trade Commission report and police department report. I also asked the Bank to confirm that the credit inquiry has been removed from my credit report. To date, I have not received a response from Synchrony Bank. They did not provide a telephone number or street address in their letter. I would like CFPB to intercede in this matter with the hope that the bank will provide the requested 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 2022-01-11
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had some communication with XXXX about 2-3 years ago about asking for my hm phone as they claimed it belonged to them, I had XXXX  phone services at the time and they asked that I request my old ph number from XXXX to use it. I had to pay about XXXX at the time and they let me use it. Someone from there came out and took their wire out. I then kept gettin a bill for XXXX for phone service I never had from them??? Now it appears it's with about 3rd creditor Southwest credit systems and they don't have any information on when or what is owed?? I don't owe XXXX anything period. But they also put this on my credit report as derogatory? I don't have any info from back then I'd really have to look and it was appeared cleared back then??? I want them off my.back and credit cleared. Very aggressive company!. I would never do any business with them and I haven't in years. The letter recent is from Southwest Credit Systems LP XXXX XXXX XXXX, XXXX TX XXXX XXXX. I don't know why I would have to continue to argue with these creditors 2-3 years later?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MN
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 have sent EQUIFAX Letters dated back to XX/XX/2022 present XX/XX/2022 Affidavit a true and statement of facts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information XXXXXXXX XXXX XXXX XXXXXXXX XXXX wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over 30days old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX CT XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled 20 different ways on there its only one way its spelled and my aacount with XXXX was paid before it was closed so it shouldnt be reporting as negative its has been paid since 2021 on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me

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 2022-08-05
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 paid off 5 accounts on this year to settle my debts but instead of all of the credit reporting agencies reporting that I settle all debt on my credit report they deleted all accounts so that it would look like to lenders that I had no credit at all also I didn't receive any points on my credit score for paying off my debts but when the accounts was being owed all the credit reporting agencies would report derogatory info on my credit causing my credit to drop all the way to XXXX credit score. after I disputed to the credit reporting agencies that rent recovery had reported false information on my credit and padded me and my wife credit report with XXXX worth of charges when it should have only been XXXX worth of charges and all they said is to me that XXXX XXXX  info was correct with no other explanation couldnt show me where they got that XXXX figure from all of the information of credit reporting agencies is inaccurate I even reached out to rent recovery and tried to offer them XXXX dollars to settle the account which was more than we owed but they still rejected my offer also the credit reporting agencies are allowing them to update their reporting each month just as the incident just happen all of this been going on since XX/XX/2019 credit reporting agencies are ruining people 's lives including me and my family causing me my wife and XXXX old daughter to be XXXX because they won't report my credit correctly they won't give me credit for paying off all those accounts and they continue to say I own XXXX to a debt collector that is only owed XXXX dollars that could have been paid off by now but they continue to are me and my family suffer I hope by me telling my story alot more people who have experience the same heartache, stress and the XXXX XXXX that I have experienced through these companies and they will find the courage to come forth as well Here is receipts to all of the creditors I settle with this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
State: AR
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 was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-08-14
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: Account information incorrect

Complaint:
account Balance and last payment made is Not correct, also account does Not belong to me because I had identity theft happened to me before, I filed police report for that problem about identity theft Please I need deep investigation and remove this account that does not belong to me Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA 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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PTF document reflecting all items that were found to be unauthorized by any such.

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 2021-07-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These inquiries are reporting on my personal credit file with XXXX and TransUnion ( XXXX XXXX XXXX ). These inquiries were reporting fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX  & XXXX XXXX  ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX  & XXXX have not provided me with any evidence, authorized or created by me. Below are the inquiries not authorized by me ; XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX  XXXX  Inquiry Date XXXX, XXXX XXXX  XXXX Inquiry Date XXXX, XXXX XXXX Inquiry Date XXXX, XXXX XXXX Inquiry Date XXXX, XXXX Inquiry Date XXXX, XXXX Inquiry Date XXXX XXXX XXXX  XXXX  XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Inquiry Date XXXX, XXXX  XXXX Inquiry Date 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 2022-01-11
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDLAND CREDIT MANAGEMENT MCM ARE VIOLATING MY RIGHTS BY CALLING AND SENDING ME LETTERS CONCERNING A DEBT THAT I DO NOT OWE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: CNG FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX at XXXX I returned a call to check and go regarding a debt of {$870.00}. As I was not sure if the call was legitimate, I requested to receive a document showing what was owed to the company. The woman insisted she was not able to do that and that I needed to set up a payment plan. I voiced concerns about giving that information when I had no proof of the debt I was owed.She again refused to send any documentation to my physical address.

Company response to consumer: Closed with explanation