BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
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 XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX 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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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. 

XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX Card - Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX - Inquiry date XX/XX/XXXX XXXX Auto - Inquiry date XX/XX/XXXX XXXX XXXX  - Inquiry date XX/XX/XXXX XXXX XXXXXXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2022-06-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX from email to my in-box. I was informed there were 2 fraudulent items on my bank statement - checking account. He proceeded to transfer me to Chase service, my bank. There I was told that the items could not be fixed. I was told that the FBI was involved. It would take 2 days. This went on over two weeks. I was told to track the people stealing my ID I would need to take all but {$300.00} out of my checking and savings. I was given a case number, told to take picture of name, case number, another picture of the cash. Give to carrier. Then went through XXXX to put money into my checking account. This process continued for two weeks when I stopped as losing money and I checked with Chase and was told that taking money out was not part of ID theft tracing. I am still dealing with my savings being non-existing and my checking also being low. I changed my debit number and reported to bank, credit bureaus, and XXXX. However, XXXX has me negative $ XXXX that I was being countered reported by XXXX XXXX of scamming him. He and a woman XXXX were being used on XXXX with my transfers of money back to my bank. The total was over {$8000.00} between these two people, neither of which I know. Shipments were said to have been made Between me and these two people, not with those two to each other. Their dates of transaction is XX/XX/2022. No shipments made to either of these two people nor to me. I had {$7100.00} taken from my accounts, {$8000.00} owe to XXXX. I believe that I now owe XXXX {$5000.00} which includes fees. I am out {$3000.00} in my bank accounts. When I stopped the two week back and forth with taking money out and putting in monies to my checking account, less money each time as money got stolen, I kept {$4000.00}, {$2000.00} in cash which has been spent in the month and {$2000.00} in my checking that has been spent on my bills. On my phone and email I have kept contact made to the people who claimed to be XXXX XXXX and Chase. On report made to FBI and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The Credit Bureaus stated Account XXXX XXXX XXXX XXXX # XXXXXXXX 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 was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2022-11-29
Company: CITIBANK, N.A.
State: PA
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:
This Complaint is against Citibank regarding my credit card account that I have had since XXXX. After 32 years, Citibank issued be a letter informing me they are not reissuing my card upon its expiration in XX/XX/XXXX. Citibank has stated it is due to " a bankruptcy or charge-off on another credit card issued by Citi. XXXX A similar action was taken regarding my Costco credit card for which I will also be filing a Complaint. Citibank representatives indicated to me they have no authority to change this decision. I also have a Citibank Citi Advantage Credit Card about which I can presume a similar action will be taken. 

I have never been late or missed a payment on my credit cards- the longest of which is the subject of this Complaint for 32 years. I also have no history of bankruptcy. 

Citibank claims it " charged-off '' a Home Depot Credit card in the amount of {$13.00} which I had no knowledge of. I currently have a Home Depot credit card and currently use that card. Apparently, a second card was opened at a Home Depot check-out register to which I had no knowledge of, and which I never used. Citibank continually charged minimum service/interest fees and eventually " charged-off '' an account that had a balance of {$13.00} and again, no charges of mine, as I never used this card. 

Citibank 's recent action of which I was notified on XX/XX/XXXX, is unreasonable and places my credit status and credit report in jeopardy, and moreover, its decision, which seems to be based on computer methodology, is prejudicial and disparately affects long-standing customers like myself with an outstanding Citibank record XXXX with a history of on-time payments and loyalty.

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 2022-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday XX/XX/XXXX I began a backpacking trip in XXXX California about an hour out of XXXX XXXX where I live. During that backpacking trip, my car was broken into and my debit card and phone were stolen. I got back to my car on Thursday, XX/XX/XXXX and then realized what had occurred while we were backpacking. This area is very remote and there is no cell service nor cameras so we were very shocked to see the car broken into. We eventually got down the mountain and then attempted to get in contact with the local rangers which who ended up telling us theres not much they can do as theres no way to figure out who it could have been due to the remoteness of the area. I loaded up my old phone once I arrived back at home and then proceeded to check my Wells Fargo account to see that the thiefs had used my phone and debit card to send them all the money in my bank accounts XXXX using XXXX XXXX. I then called Wells Fargo immediately and told them what was going on and after about 1.5 hours on the phone with them and had all the proper claims filed I was told they would be investigating my claims and I would hear back within 7 business days. One of my claims was approved and they moved XXXX $ back into the account but the XXXX $ in XXXX XXXX payments was denied as they said I approved it even though my phone and debit card were stolen. I am left with nothing and this must be resolved as I did everything in my power the second I found out what was going on to get this fixed. Ive been a loyal customer to Wells Fargo since XXXX and have done nothing but be a good customer.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: GA
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:
In accordance to the FRCA 15 USC 1681 everything has to be 100 % accurate. I request that this account be removed from XXXX XXXX and Fico reports, payment of a XXXX for every Inaccuracy Accounts Peoples credit Account number XXXX XXXX XXXX XXXX Account number XXXX Credit control service Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
My score dropped XXXX after I called and complained about an dispute with out any explanation! As to way it down the company is tampering with my credit report I was sent to three different departments from dispute to fraud to a supervisor that could not help back to dispute this has gotten out of hand with Equifax!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sent money on XX/XX/XXXX to an employee through XXXX by way of Zelle. The phone number entered belongs to said employee however {$1200.00} was deposited into an unknown person 's account. The unknown person does not own the phone number in question and the employee who was to receive the monies registered the phone number with her bank. Contacted XXXX who said Zelle sent to right number there is nothing they can do and gave me number to contact Zelle. Zelle says can not file claim with them, must contact bank. Called XXXX back, they reiterated it is a Zelle issue they can not help further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020 I received notifications from several credit monitoring services that my credit report had been accessed. Someone had tried to open a Bass Pro Shop credit card through Capital One. I immediately called Capital One and let them know this was a fraudulent inquiry and I completed the steps they advised me of in order to have the fraudulent inquiry removed. When reviewing my credit report yesterday I noticed that the the hard inquiry was still reporting to my XXXX report. I called Capital One again and I was advised by the lady that answered that there wasn't anything they could do, that I would have to dispute the account directly through the credit bureau. I advised that I had already informed Capital One the inquiry was fraudulent approximately 18 months previously and they were the ones who needed to fix the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CURO Intermediate Holdings
State: CO
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 contacted XXXX, XXXX, XXXX as well as the collection company AD Astra Recovery Services about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. Ad Astra has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX Ive received an email from XXXX XXXX saying that a new student loan was added to my Equifax credit report. I also checked my XXXX account and its projecting the same credit score. XXXX stayed the same as it was reported around the same time as the other credit bureaus. When I went to go check it out, I saw that my score dropped drastically from XXXX to XXXX. Ive reached out to XXXX XXXX and told them that this information is fraud. I didnt take out a student loan at all. Its been since XXXX that I had a student loan and that was already being paid through the forgiveness program and the IRS already took out what they needed for the remaining amount. Ive been getting my taxes after that ever since. XXXX XXXX sent an update about the student service that is now reported on my credit by the name US DEPARTMENT OF EDU saying that I now have a loan for over {$7000.00}. This was listed on XXXX XXXX. This information is inaccurate and negatively impacted my credit. I called the number that was given to me with the creditors address and when I called, an automated representative was asking me if I was 50 years or older and that they have promotional offers. I knew right then that this was definitely fraud. I reached out to the credit bureau Equifax and they had me reset my password so they can help me see what they see. Once I gave them the info they needed, the representative saw that something was off. They said to reach out to FTC to get a form and give them the two accounts that are showing the only two accounts that Im aware of. Which are the accounts that have been closed a long time ago. To my knowledge, someone is tampering with my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: In progress
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX  Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 


3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been requesting that the erroneous accounts be removed from my account since XX/XX/2021 and to no avail they have failed to remove these accounts. They haven't provided any solid evidence and validation to these accounts. I have sent them copies of the police report, utility bill, Identity theft report along with copies of my id and SSC. 
They have failed to reply promptly or not at all. 

I will attach the last letter I sent to this company along with proof of receipt

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 2022-06-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The credit bureaus are ignoring me, I have been sending them letters to eliminate some errors and negative elements of my credit and they have not responded

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 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i asked XXXX to run my credit once, so that i can see what i was approved for. i was approved for two vehicles. XXXX shared my private information more than twice. they shared it with many financial institutions without my consent or permission causing hard hit to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 've disputed a XXXX debt with XXXX, XXXX, and Transunion more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.

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