BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CA
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:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost 30 days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX - XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act the accounts below have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX and account XXXX had violated my rights. 
15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the info is accurate. 
The open dates for these accounts are different across the three bureaus. Also it seems that this company has reported this dance debt as new a few times. I have this same account for the same amount with the same hospital on my credit report reported again as new this month. That account number is XXXX. One of the accounts that I'm disputing above was supposed to be off my report next year. The account These inaccuracies are doing me from buying a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: CITIBANK, N.A.
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On last XXXX I see post for XXXX XXXX  Citicard at XXXX When I respond or klik the post, they direct to the XXXX  XXXX. They send link and ask me to go to Citimobile Banking app for update data. 
XXXX after this process. Once I got notif that there is unauthorized purchase at online shop from Citi message. 
I directly call citi center and inform the situation and ask them block all cards. 
I contact the merchant for req canceled the unauthorized purchase, but It cancelled. The scammer order online and pick up the good directly. Im argue why they sell good with different buyer name and payer card name. 
I had report this to local Police XXXX, they had make report but they dont have time to review and investigate till today. I go there every day. 
In XXXX we got hit by Cyber Crime especially from Social Media. Most of them never get cough or free since our authority overwhelm with many cases I req Citi for propose XXXX XXXX XXXX for this transaction, but Citi reject my request with reason is my careless deal with scammer. 
On XXXX, Citi Bank XXXX send email to all Credit card customer that announce about fake content at social media asking us to be careful. But Its too late since I get scam and fraud on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Harris & Harris, Ltd.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harris & Harris Ltd is a collection agency for the Commonwealth of Virginia. They forwarded a tax lien issued against XXXX XXXX XXXX a taxable corporation that is owned by its 100 % parent corporation, to XXXX XXXX. XXXX XXXX  illegally confiscated the assets of an XXXX-qualified retirement trust, which holds protected retirement assetsXXXX XXXX  failed to perform reasonable actions to assure it was seizing the assets of the party owing the tax. Instead, XXXX Bank confiscated assets that are protected under XXXX, a federal law that provides protection from creditors, especially from parties who owe nothing to the Commonwealth of Virginia. The beneficiaries of these assets have no tax obligations of any kind to the Commonwealth of Virginia. 

Demands made to Harris & Harris were answered with form letters on how to make payments on the remaining amount due. They ignored my assertion that the retirees do not owe any taxes or other debts to the Commonwealth of Virginia. They made no effort to resolve this problem. 

The seized assets are {$5300.00}. The tax lien was issued on XX/XX/2023 to XXXX XXXX XXXX. The XXXX retirement trust is clearly labeled as owned by XXXX XXXX XXXX. Employee Stock Ownership Plan and Trust. The undersigned, XXXX XXXX XXXX, XXXX, is the XXXX Trustee. XXXX XXXX  and Harris & Harris Ltd acted with a total disregard for the federal laws protecting XXXXretirement assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX has two account on one report account number are XXXX and other report account number is XXXX neither accounts are mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion, XXXX, and XXXX are not verifying the information on my credit report. this inaccurate information has destroyed my ability to borrow money. under the law of 15 U.S.C. 1681. Fair Credit Reporting Act status. and 15 U.S. Code 6802 ( 1 ) opt-out ( a, b, c ) Obligations with respect to disclosures of personal information. after carefully reviewing my Credit Report on XX/XX/2023. due to these laws, my rights have been violated. under the laws stated in this message, I would like my credit report whip of all violations and derogatory accounts. It is safe to take legal action. if this matter is not resolved in approximately 30-45 days from this date XX/XX/2023.

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 2023-09-25
Company: EQUIFAX, INC.
State: WA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-12-02
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
When i transfer money XXXX or XXXX bank account i can't make transfer. money is refund or cancel everytime. 
when i transfer money to bank account only XXXX dollar i can transfer. Why? at least XXXX or something right. but now only XXXX only i can transfer but everytime refund or cancel. 
Please explain to me. 
Thanks for helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXXXXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : BXXXX XXXX XXXX XXXXXX/XX/2022 XXXX 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 of 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX account 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Re : Unauthorized Hard Inquiries on TransUnion Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding two unauthorized hard inquiries that have recently appeared on my TransUnion credit report. These inquiries are from entities identified as " XXXX XXXX XXXX XXXX '' and " XXXX. '' I have no knowledge of initiating any business transactions or providing consent for credit inquiries to these entities. These inquiries have a significant impact on my credit score and could potentially harm my financial standing. 

I would like to bring to your attention that these unauthorized hard inquiries not only appear to be fraudulent but also violate both national and South Carolina state laws governing consumer credit protection. Specifically, I believe the following laws apply to this situation : 1. **The Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, consumers have the right to accurate and fair credit reporting. Unauthorized hard inquiries can damage an individual 's credit, and it is imperative that credit reporting agencies take immediate action to rectify this issue. 

2. **South Carolina Consumer Protection Code : ** South Carolina law also provides protections for consumers against unauthorized inquiries on their credit reports. It is evident that these inquiries were made without my consent, and as such, they violate my rights under state law. 

I hereby request that the Consumer Financial Protection Bureau ( CFPB ) use its authority to enforce these laws and take the necessary steps to have the unauthorized hard inquiries from " XXXX XXXX XXXX XXXX '' and " XXXXXXXX '' removed from my TransUnion credit report immediately. I am prepared to provide any supporting documentation or information you may require to investigate this matter further. 

In addition, I kindly request that the CFPB assist me in identifying the parties responsible for these fraudulent inquiries so that appropriate legal action can be taken against them. Unauthorized inquiries not only harm individual consumers but also erode trust in the credit reporting system. 

Please consider this complaint with the utmost urgency, as I am concerned about the potential harm these unauthorized inquiries may have on my financial well-being. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 


Thank you for your assistance in addressing this matter.

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 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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, 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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent in a hand written letter to dispute and account on my credit report ( XXXX XXXX XXXX ) due to inaccurate information to Equifax, XXXX, and XXXX.I received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping thatXXXX 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 2023-12-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday, XX/XX/XXXX at XXXX, I deposited a cashiers check into my checking account at Navy Federal Credit Union inside the Branch office with a bank teller. At the time of deposit, I was informed the funds would be available on Thursday XX/XX/XXXX. At XXXX Wednesday XX/XX/XXXX, I received a message from the bank that my funds were now being held for 5 business days because there was reason to believe my cashiers check from XXXX XXXX XXXX would not be paid due to confidential information. I called the customer service line to try to resolve the issue. I was informed that the reason why my check was placed on an extended hold was because XXXX XXXX  XXXX would not verify the check over the phone. On Thursday XX/XX/XXXX, I went into the branch office to speak with a manager to get the hold removed. I explained the cashiers check was my inheritance and paid from a trust account. I had the trust documents as well as the receipt of the cashiers check issued from the XXXX XXXX XXXXXXXX account. The branch manager, even with all of the information given refused to remove the check hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief