BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
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.

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 2022-09-24
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

Account XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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:
There has been a complete Error this vehicle never belonged to me and was wrongfully put into my name using my social I have filled for identity theft and this has been more than a clerical error and has been on my credit report for years. I never authorized any vehicle repo or the vehicle at all and no one has responded to my case from these car companies. Please remove this from my credit report as this is not me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Avant Holding Company, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Avant has charged off an account opened around 2014, a loan amount of {$6800.00} plus interest accrued until charge off date, which is not known to me. The account may be reported to credit bureaus which is not confirmed as of yet, do not have copy of credit report available at this time. I've requested Avant remove account from credit reporting several times, if reported, past CFPB complaints filed in re, Avant remains evasive about matter as they have not addressed issue in their replies. Their last reply seems to suggest I make payments, payment information provided including number to call, in which case, no payment ( s ) will be made as the funds were never received from loan. I applied for loan, did not receive funds, as explained in prior CFPB complaints. Avant further replied by supposedly opening a fraud investigation, even after account charged off and considering the fact I did apply for loan.. Avant seems to imply fraud is involved, claims to have emailed me information about fraud claim, no such email received to date. Any fraud claim is irrelevant at this point in time, it appears the account is now too old to be reported to credit bureaus, if in fact reported, which is unclear at this time. Avant simply needs to remove account from credit reporting, if in fact reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Account Resolution Corporation
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  and XXXX  are both in violation of hippa law and a complaint will be filed with the OFFICE FOR CIVIL RIGHTS This is also defamation of character due to XXXX  being a nonaffiliated third party XXXX  stated that they mailed me validation I have yet to receive the so-called validation that this debt collector never had to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called transunion multiple times to submit hard inquiries disputes that show as duplicates. Each time they have refused to assist me with the duplicate hard inquiries deletions. I have listed the hard inquiries that should have been removed. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX is listed twice and XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. Several of the inquiries show more then once per month. XXXX XXXX XXXX XX/XX/XXXX I did not authorize.

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: AZ
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 Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: American First Finance, Inc.
State: CA
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 file a dispute with XXXX XXXX XXXX and the XXXX reporting bureaus and did not received a timely response after multiple letters I sent I got a response that that a remark was placed on my credit. I was not provided with clear evidence of method of validation with regards to XXXX XXXX XXXX. They are reporting past the XXXX  year XXXX and have inaccurate factual/errors and have not removed from credit report as required under the XXXX law and within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Upgrade, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm reaching out to report XXXX XXXX XXXX XXXX ( via XXXX XXXX ) violation of Regulation E ( CFR 12 Part 1005 Regulation E ) On Wednesday XX/XX/XXXX at approximately XXXX XXXX, I was notified of XXXX fraudulent ATM transactions made with my XXXX XXXX XXXX  XXXX card at a convenience store XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX  XXXX During this time, I was at my home approximately XXXX miles away in XXXX XXXX XXXX, with the ATM Debit card in my possession. The bank was able to BLOCK all but 2 ATM transactions totaling {$380.00} removed from my checking account. 

After verifying that all 8 transactions were fraudulent via an automated phone system ( XX/XX/2023 - XXXX XXXX  ), I placed a call to cardmember services ( XX/XX/2023 - XXXX XXXX  ), reported my debit card information as STOLEN, requested cancellation of the card and requested a dispute against the fraudulent charges. At this time I was given a dispute resolution case number, XXXX and informed that I would be notified when the resolution was processed and a decision was made. This call ended at XXXX XXXX on XX/XX/2023. 

On XX/XX/2023 at XXXX I was notified by XXXX XXXX XXXX Cardmember Dispute services that my dispute was denied and that no portion of the fraudulent ATM withdrawals would be refunded to my account. 

On XX/XX/XXXX at XXXX XXXX, I placed another call to XXXX XXXX XXXX Cardmember Dispute services and referenced my case number XXXX. During this call the representative re-iterated that the decision made by the dispute resolution team was to not refund the fraudulent charges on my checking account. I informed the representative of my rights under CFR 12 Part 1005 Regulation E and insisted that the stolen funds be returned to my account, to which the representative said that they would re-open my dispute resolution case but also informed me that it was unlikely that I would receive reimbursement for the fraudulent ATM transactions. This call ended at XXXX XXXX on XX/XX/2023. 

At this time I'm not sure how to proceed with this institution who believes federal banking regulations don't apply to them, so I'm submitting this complaint in hopes it can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi card did not refund me the negative balance of my card. Originally they said refunds will take 3-5 business days, that did not happen, and then after taking with customer support after a week and no refund showing up, customer support refused to provide explanation and said keep waiting, with no timeline given.

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 2022-08-23
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Equifax multiple occassions requesting that fraudlent accounts and inquiries be removed from my credit report. 

Since the beginning of this year I have contacted Equifax 9 times asking to have fraudulent inquiries after the account was removed from my credit file. I was told to file a report with the FTC on three different ocassions because each report I submitted Equifax claimed that first the dates were not an exact match, secondly that I didnt spell the creditor name correctly and lastly that each complaint of the fraudlent inquiries have to be seperate line items even with multiple inquiries from the same creditor on different dates. 

After I sent the last FTC report I was told that inquiries are a fcatual record!! 


The following inquiries I have provided the reports : XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: AMERIS BANCORP
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Wednesday XX/XX/XXXX I called to Ameris Bank and requested that my account stayed opened. I provided the representative on the phone with information that I had lost my job which caused my account to be overdrawn. I told her that on Friday XX/XX/XXXX I would be receiving a direct deposit from 2 of my new employers and I would like to request to make sure that my account does not close because Ive had it over 10 years. I never signed ANYTHING or agreed to ANYTHING that allowed this bank to close my account without my permission. Especially since I notified them of the future deposit. I was notified on Thursday XX/XX/XXXX that my account was closed without my permission. The email stated any transactions to or from the account would be cancelled. Now my account has been closed and I am awaiting a cashiers check which is going to take who knows how long. This has put a financial strain on me because of the companys unfair non transparent practices. My account should have never been closed initially. This is a consumer protection violation. Then they had the nerve to close my account and say I did it which is fraud! This is going to be listed on my consumer XXXX report which will cause me not to be able to open another bank account fairly which is another violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached two FTC reports with inquiries I did not authorize, please delete these inquires as they are affecting my odds for approval

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, these companies 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 non-monetary relief
Consumer complaint received 2022-07-29
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 {$2800.00} copy of original written agreement With XXXX XXXX XXXX, XXXX XXXX XXXX {$650.00} Copies of the original written agreement with XXXX XXXX XXXX, XXXX XXXX XXXX {$610.00} copies of the original written agreements with XXXX XXXX XXXX, XXXX {$560.00} copies of the original written agreement with it XXXX, XXXX XXXX  {$230.00} copies of the original written agreement, XXXX XXXX XXXX {$200.00} copies of the original written agreement 15 U.S.C. 1681 section 602 A. State : I have the right to privacy 15 U.S.C. 1681 section 604. A. section 2 : it also states that consumer reporting can not furnish account information 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 2022-12-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called IC system on XX/XX/2022 in reference to a balance they keep reporting for XXXX for equipment I returned the equipment a year ago and dont owe anything I even got a letter from them stating they will removed it ..its still on my account and it has not been removed. The balance is XXXX for equipment from 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 2023-08-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I wanted to close my savings account with Citizens Bank. The account contained a little over {$5000.00}. I do not live near a Citizens branch, so all my dealings have been by internet and phone. I wrote a letter to Citizens requesting closure, and also containing information requested by them. They should have received the letter on or about XX/XX/2023. 

After about three weeks of receiving nothing, I contacted Citizens customer service, on XX/XX/XXXX. After that I called them weekly, but got no meaningful information except that I found out from one of the agents that my account had been closed on XX/XX/XXXX. Finally, on XX/XX/XXXX, I talked to a supervisor. After hearing of my problem, he stated that Citizens would stop payment on the check ( if it ever existed ), and issue another one. After receiving nothing I called again on XX/XX/XXXX and talked to the same supervisor, who told me that I had been assigned a case number and that he would submit my case again. After still receiving nothing, I called again on XX/XX/XXXX, talked to yet another manager, and was informed that my case was being reviewed by " Operations. '' I am still waiting. Since " Operations '' has been reviewing my case for more than two months, I am losing hope that my money will ever be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet received my request for refund of my student loan payments during XXXX nearly 3 months ago and it has yet to process it. I've requested for the status of it multiple times and they have no idea what is going on or when it will go through. Other companies refunded these payments within days of request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 have received a security breach on my identity through my credit report on XXXX and Capital One. I noticed that my private information was available on the dark web. A XXXX woman named XXXX XXXX is in the military using my social security number with a license issued in Florida with the last four digits as XXXX. Her zip code is XXXX and her number is XXXX XXXX XXXX. My number is XXXX and I am XXXX  Not only that, there were some loans and a credit card opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TN
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 obtained my consumer report and noticed several items on my report that do not belong to me. I had contacted the 3 major credit bureaus ( Experian, XXXX, XXXX ) notifying them letting them know that I am a victim of identity theft. I also reported this fraud to the Federal Trade Commission and obtained a identity theft report # XXXX. I sent the bureaus a copy of the identity theft report and response I either received generic responses via mail and email such as : the information was verified, misrepresentation of my identity theft report, and someone else ( third party ) disputed this information on my behalf which is all false. After recently contacting the bureaus via telephone was told by a representative that I need to document this theft with my my local police department. I file a report with the XXXX Police Department report # XXXX. Both reports are attached. I have also contacted a attorney in the attemp to file a civil suit against the 3 bureaus.

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: EQUIFAX, INC.
State: NV
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:
I have ask many times for written proof they had my contest with my signature giving them permission to add this to my credit. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation