BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  According to

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-07-17
Company: EQUIFAX, INC.
State: TX
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 contacted all three credit reporting agencies explaining, I am victim of Identity Theft and the accounts they have listed do not belong to me. Request the credit bureaus to remove any incorrect, inaccurate, or fraud information and accounts from my credit report. Also requesting them to investigate the matters because the account was not open by me, they came back as accurate. I am a victim of Identity and whoever has opened these accounts is suing my information without my permission. The fail to remove any items off of my credit report that i did not have any Assocation with. I recently we went to try and apply for a mortgage for a new home for my daughter and I. Just to know all my hard work and earnings will not be able to get me into our dream home, because someone is using my identity. I have already filed a report with my local police department as well and the FTC. I just want to have my identity back and move on from this traumatic and devasting event. I am filing a complaint against XXXX, XXXX, and Equifax, for not removing accounts that were open under false pretenses. Someone is using my information I am unsure on how else to prove it beside the police report reaching out to different agencies to receive help. I just want my life back and a chance to purchase this home for my daughter and I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: TD BANK US HOLDING COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I was victim of fraud on my account. 32 transactions totaling {$8700.00} were charged on my account without my authorization. I was not called or texted to verify the transaction. I can provide utilization data download from my cellphone provider to show that I was never contacted by TD Bank to authorize the transactions. 

On XX/XX/XXXX I contacted TD Bank after realizing that unauthorized charges were debited from my account. After putting the claim, I received a provisional credit of {$5300.00} on that day and a credit of {$420.00} on XX/XX/XXXX. Not all charges were captured correctly on my first conversation on XXXX and the initial credit received did not cover all fraudulent transaction. I therefore contacted TD Bank again to open a claim for the missing transactions. On my second conversation on XX/XX/XXXX transactions were added to my claim equaling {$3000.00}. On XX/XX/XXXX of the 32 provisional credits I obtained were reversed. On XX/XX/XXXX I visited my local branch and put a new claim for the 12 transactions that were denied a credit. On XX/XX/XXXX, my account posted the 12 credits provided were once again reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
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:
I am a victim of identity theft. I already contacted the credit bureau on XX/XX/2023 and again on XX/XX/2023 through certified mail. However, they sent me an updated credit report stating the accounts have been verified. I need to have these accounts removed they are not mine. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX I also submitted my identity theft report from the Federal Trade Commission, and my husband 's police report to the company, and they are still reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXX Bank frozed my account due to irregular activity they say I was spending money to fast.When I am a truck driver who was on vacation with his children.I am now homeless and kids had a bad XXXX because of it.Car got repossessed I really believe account was frozed due to discrimination it was no reason for account to be frozen at all I have documentation proving where I got money from..And me and my children has no food to eat for XXXX weeks.They put my money in a GL account.Saying its a fraudulent account.When it was actually my tax refund from XXXX opened up account with them and gave them a cashiers check from XXXX, another institution.That account was closed due to address verification.I trusted them they opened my account and frozed XXXX dollars.Initial balance was XXXX dollars.Please give me call XXXX if any questions or email me at XXXX thank you and happy new years

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-02-24
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2022 I went on affirms platform and one of theyre merchants called XXXX was advertising a pair of mini XXXX XXXX XXXX said came no original box because they were from a outlet store and had red slash marks on inside boots tags for same reason well I had no idea that was a lie until I received the counterfeit XXXX  I took them to XXXX  outlet in person who confirmed they never sell theyre boots no original box or with red slashes on inside tags they also compared the boots I received to same exact ones they sell and showed me the ones I received have no serial numbers on inside tags and said all original XXXX  will have serial numbers on inside tags I tried returning these to merchant they said within fourteen days but I am perm XXXX I needed time to go to outlet store to confirm they were counterfeit I chatted with merchant explained I had confirmed them to be counterfeit and wanted loan cancelled and my payment made refunded and wanted to return them not at my shipping cost at theyre shipping cost since theyre fake they refused so I contacted affirm multiple times about this they refuse to cancel this loan also and let me return them they expect me to pay XXXX for fake boots tteyre are multiple other complaints on XXXX  from other customers who purchased boots from this merchant about them selling counterfeit XXXX  to my knowledge this is against the law I can not afford to pay fur counterfeit XXXX  if I knew they were knock offs I would certainly never made purchase and now affirm out theyre loan on my credit report telling me I still have to pay for them they and theyre merchant broke the law selling fake merchandise this is completely unfair to me as a innocent buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Nelnet, Inc.
State: TX
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:
To Ombudsman Group, Loan XXXX My husband reached out to studentaid.gov an office of U.S Department of Education regarding feedback case XXXX. ( all attachments are included ) I posed the following question, " I'm trying to determine what is the legal binding date of the Federal Consolidation Loan Application and Promissory Note I have attached to this feedback case. My assumption is that this Note became legally binding on XX/XX/2006 when both my wife and I signed the document. Please review the document and reply with the date that makes this a legal binding document. They replied with the following, " Dear XXXX XXXX XXXX, Thank you for contacting the U.S. Department of Educations ( EDs ) office of Federal Student Aid ( FSA ). This email is in response to your inquiry regarding a Federal Consolidation Loan Application. Your case number is # XXXX. Please retain this number for reference. You are legally bound by the terms and conditions of your Federal Consolidation Loan Application and Promissory Note from the date of your signature, XX/XX/2006. For any questions regarding your federal student loan balance or account details, you may contact your servicer, Nelnet, at XXXX. We hope you find this information useful. If you require further assistance or have any questions, reply to this email or contact us. Our hours of operation are Monday through Friday, XXXX XXXX. to midnight Eastern time ( ET ) and Saturday and Sunday, XXXX XXXX. to XXXX XXXX XXXX. We are closing your case at this time. Sincerely, XXXX XXXX Federal Student Aid According to the outcome, please help clarify whom you spoke to with the department of education because what you mentioned in paragraph three of your letter doesn't correlate to the Department of Educations response which validates this loan application and promissory note was signed after XX/XX/2006 when congress had eliminated the spousal consolidation program.

I don't believe they were in contact with the Department of Education regarding the legal binding contract my husband and I signed on a date after the program no longer should have existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
COVID-19 arrived. I wrote a nice letter to Chase, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Marriot credit card. 

They are still charging my account for payments, interest, and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
THESE INQUIRES ACCOUNT AND ADDRESS  WHERE MADE DUE TO IDENTITY THEFT. A FTC REPORT WAS MAILED TO ALL CREDIT BUREAUS AND CREDITORS AND THERE ARE FOLLOWED

 XXXX XXXX XXXX (Bank) (TRANSUNION) INQUIRY MADEXX/XX/XXXX

XX/XX/XXXX (Bank) TRANSUNION INQUIRY MADE   XX/XX/XXXXXX/XX/XXXX   (XX/XX/XXXX) Account Number:	XX/XX/XXXX
INCORRECT Addresses  XX/XX/XXXX)XX/XX/XXXX,TXXX/XX/XXXXXX/XX/XXXX (XX/XX/XXXX) INQUIRY MADE  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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did. Account : XXXX XXXX XXXX Under the fair credit reporting act, XXXX  account # XXXX with 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 also states a consumer reporting agency can only furnish an account with 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am XXXX XXXX XXXX and have been a customer of American Express for more than two decades. 

On XX/XX/2023, I called American Express and asked for a loan payoff to close the account. I recently retired and began to streamline my financial obligations. 

I was told the amount I owed, and I wired those funds on that same day and closed the account. 

I received no communication from American Express in XXXX and in XXXX I was notified that my payment was past due. 

I called American Express and told them that I was the victim of fraud since the account had been paid off and closed on XX/XX/XXXX. I didnt make any purchases. 

I did not hear from American Express until XXXX when I received a past due notice. 

I called American Express on XX/XX/2023, and repeated my fraud concern. 

Only then did I learn that American Express had determined there was no fraud and closed the fraud investigation. 

I learned that American Express had charged my closed account with a membership fee ( which is now reversed ) and the past due charges were two late fees on an account that was paid off pursuant to information that American Express provided and that account was canceled. 

American Express lacks sufficient internal controls. American Expressed charged a membership fee to a closed account. How is it possible to post charges to a closed account? This was done by American Express for their own benefit and to the detriment of their customer. 
Lack of communication. American Expressed has not communicated with me with a statement, phone call, or other method since the account was paid off and closed, despite an active fraud investigation, until the XXXX late payment notice. 
American Express is alleging that a customer can not rely on the instructions they provide by phone. 
When I called to cancel the account, I was transferred to an account retention specialist who made comments like closing the account will have a negative effect on my credit score. A seemingly threatening comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
For several years Ive had a negative account on my Experian credit report which was resolved with XXXX XXXX due to an address change not made in their system. Its been paid and they have provided me documentation to show such which Ive on many occasions provided to Experian. Yet, its never removed. 

I had the EXACT same situation happen a couple years later with XXXX and yet again, Experian refuses to remove this.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: NC
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation