BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been reviewing my Credit Report and noticed that the Credit Bureaus continued reporting the unauthorized inquiries without sending me any proof of verification. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, TransUnion is required by the FCRA to follow up with the creditor. I need the following inquiries deleted completely from my Credit report as soon as possible! 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 2017-07-22
Company: EQUIFAX, INC.
State: UT
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 disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BB&T CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX personnel mailed a completed and certified IRA Rollover/Transfer request to the BB & T branch office at XXXX XXXX XXXX, XXXX, AL. On XX/XX/XXXX I requested the status of the transfer from XXXX and was advised nothing had been received from BB & T. 
On XX/XX/XXXX I went to the BB & T branch office and one of the branch bankers fished the envelope out of her desk, saying 'I thought it was junk mail so I didn't open it. I figured I'd hang onto it for six months and see what happened. ' She did not explain why she failed to open the envelope. She did explain that she thought it was junk mail because part of the address was misspelled as 'XXXX  ' instead of 'XXXX. ' The XXXX XXXX logo was in the return address upper left corner and the stamp was a XXXX XXXX metered stamp. 
If the banker had opened the envelope and processed the rollover in a timely manner, I would not have lost apx {$130.00} from the long-term IRA Certificate the money was to be deposited into. 
During my conversation with the branch banker, she called and spoke with another woman at BB & T headquarters and was advised that the IRA department was closed and no, BB & T would not accept the form as a fax. 'BB & T will not accept faxes from anyone other than our own branches. ' If the banker had read the form, she could easily have contacted me for any questions or concerns. 
The BB & T banker stated she would 'overnight ' the form to HQ on XX/XX/XXXX for processing since they did not do any IRA work in the branch banks. 
I cancelled my checking account while there but did not cancel my credit card because the banker advised I had 'nearly {$100.00} in reward points. ' She recommended I redeem the reward points first. 
However when I attempted to redeem the points on XX/XX/XXXX, they had been deleted from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  XX/XX/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 XXXXhas violated my rights. 

Inquires XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

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 2018-02-16
Company: Coinbase, Inc.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Coinbase processed charges to my account. These charges are UNAUTHORIZED. These unauthorized charges were posted on XX/XX/XXXX. 

Coinbase even admits to this, too. Please see attached images. 

Today, on XX/XX/XXXX, I called them and wrote them. 

They did not respond, nor answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX from XXXX called my place of employment and asked for my job title, my supervisors name and asked to talk to my supervisor. He asked the receptionist to give me a place to reach me and asked her to send a text to me saying that I needed to call him right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Selene Holdings LLC
State: NY
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:
Selene Finance refuse to adequately report monthly payments to ALL credit bureaus which lowers the consumers credit score and make it difficult to refinance away from this company. I have contacted the company more than 10 times respectfully requesting them to report, AND update my credit reporting by submitting on time payments. This is the list of missing payments. 

XXXX Monthly Missing Payments : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX Monthly Missing Payments : XXXX, XXXX, XXXX ONCE again please report payments to ALL credit bureaus. What Selene Finance does is send a lengthy letter explaining the history of my mortgage and NEVER correct the reporting. This is hindering my score to improve which enables me from refinancing. If this continues to damage my credit score I will have no choice but to seek assistance legally. I can not refinance with this negative reporting. So unfair to a consumer..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
During the billing cycle of XX/XX/19 -XX/XX/19, the company reduced my credit limit from {$10000.00} to {$5200.00}, significantly impacting my credit score. I have never missed a payment and had a 100 % payment history from the time the account was opened. It has placed me in a difficult situation as it has negatively impacted my abilities to recover my credit score hindering me from obtaining new credit. It also forced my utilization to go from about 50 % to 100 % causing further damage to my credit score and crippling my purchasing power. I am not in derogatory and I have ensured the payments were made in a timely manner.

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 2019-12-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is the third complaint Ive submitted against Equifax. They continue to incorrectly report my credit. I have had my XXXX XXXX credit card for over 6 months now and they still wont include it in my report and thus my credit score has remained inaccurately low. I have also had an XXXX XXXX card for over 4 months that they have not included on my report. I understand that it may take a little time for the cards to show up, but 6 months is ridiculous and it is criminal that they are not including it and thus keeping my score artificially low. Criminal! My credit score affects every aspect of my life and equifax and the other agencies are ruining it, without merit! I have also had a discover credit card and XXXX XXXX savor for over 2 months. Not surprisingly those have not been reported as well. Please fix this companys ineptness at reporting my credit score accurately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I sen t Capital One Auto a let ter concerning an account that someone had opend in my name without my permission. As of today they have not responded nor taken steps to remive the information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our client has been attempting loss mitigation with Bank of America ( BOA ) for several months now. However, Bank of Americas conduct has been in violation of servicing laws and standards as more particularly described below. REFUSAL TO OPEN LOSS MITIGATION REQUEST / MAKING MISLEADING STATEMENTS On XX/XX/XXXX, we submitted a request for ongoing loss mitigation with a copy of the listing agreement to BOA. Despite receiving said request to open a loss mitigation review, BOA failed to open a loss mitigation file for our client in violation of servicing guidelines.
On XX/XX/XXXX, we contacted BOA regarding the status of the short sale review and spoke to XXXX ( a BOA representative ). XXXX informed us that there was not an active loss mitigation review showing in BOAs system. He further stated that the XX/XX/XXXX letter was ignored by BOA because it was not submitted through XXXX ( BOAs short sale system ) however, we were never asked to submit the documents through XXXX. BOA was provided with the proper documentation to open a loss mitigation review, but failed to acknowledge the loss mitigation request and failed to open the review even though it was acting in direct violation of federal and state guidelines. BOA has failed to comply with federal and state rules and guidelines relating to servicing and foreclosure by failing to provide loss mitigation assistance when requested, and instead moving forward with foreclosure. DID NOT RECEIVE NOTICE OF FORECLOSURE SALE During that same phone call, we were verbally informed that there is a foreclosure sale scheduled for XX/XX/XXXX. As of XXXX XXXX, 2017, neither our client nor us had received notice of the scheduled foreclosure sale. BOA is required by N.C. law to properly serve the borrower ( or the borrowers attorney ) of an upcoming foreclosure sale. BOA is in violation of N.C. law. Although we did eventually receive an Amended Notice of Foreclosure Sale on XXXX XXXX, 2017, neither our client nor us ever received the original Notice of Foreclosure Sale.

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 2022-08-17
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: CA
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:
Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CITI CARDS CBNA '' I do not recall authorizing or " someone is using my identity ''. I understand that " CITI CARDS CBNA '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CITI CARDS CBNA on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CITI CARDS CBNA to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim.

CITI CARDS CBNA - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CITI CARDS CBNA '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2022-01-22
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The account on my credit report is inaccurate and unverified.

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 2019-12-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The never responded to my request to remove the fraudulent account from my report. I sent them a letter detailing my issue on  XX/XX/2017   , yet they have still not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

MACYS/DSNB XXXX Balance {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Lending Club Corp
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). is a inaccurate account on my credit file and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Commonwealth Financial Systems, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). is a inaccurate account on my credit file and is not mine.

Company response to consumer: Closed with explanation