BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: CBC Companies, 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:
i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new checking account at Key bank after I received a mail saying if I opened a new account and set up direct deposit, I would get how much cash credited to my checking account. 
I waited and waited, after I opened the account [ and did everything they told me to do ], but no credit appeared in my account. I inquired many times by phone and in person, every time I was told [ in XXXX, XXXX, and XXXX ], just be a little more patient, it will come. But it has been 5 months since I opened the account, no credit was received. Finally the last few days, when I called the bank I was told no credit was forth-coming. I wasted a ton of time, I feel very cheated by this bank! 
Do n't know how many other people, they did the same thing to?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

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 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and there is an unauthorized and fraudulent account listed on my Trans Union credit report that do not belong to me. The following account is fraudulent : XXXX XXXX Bank, XXXX/XXXX/12

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 2020-06-11
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.

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 2022-09-15
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: Their investigation did not fix an error on your report

Complaint:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the inquiries and charge-off accounts. No changes were made. No investigation was conducted at all. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had filed bankruptcy. I had asked to reaffirm my vehicle and so the lender stated that they never received paperwork asking for me to reaffirm my vehicle. So I went back and forth between the lender and my attorney to resolve this matter. By my attorney 's advice I was told to dispute it with the credit bureau so they could update the account to show open and active and my payment history. So I filed a dispute with Trans-Union and so on XXXX/XXXX/2015 they received my dispute. on XXXX/XXXX/2015 they came back and stated that my dispute was complete but instead of them updating the account they removed it from my credit bureau. So I was told by several TransUnion reps that all that is needed if for the lender to contact their maintaence dept and they can updated the file. I contact the lender on XXXX/XXXX/2015 and left a message on XXXX/XXXX/15 XXXX XXXX in the credit dept at XXXX contacted me back and stated that Trans-Union 's policy is once they remove an item from your credit bureau they can not put it back. I feel this is unjust seeing that I had no clue in the beginning that the account was closed on my account and or that the lender was not made aware that I reaffirmed my vehicle. I 'm trying to rebuild my credit and my life so that I can move forward. I have had this vehicle for 2 years and have never been late on a payment. I need TransUnion to put this item back on my credit report. I 'm trying to by a house in another 18 months and so this would help me in this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXXX/XX/XXXX XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX ) let someone fraudulently change the mailing address on my credit card account then run up a bill they never paid. Since the mailing address had been changed, I never received any notices this had happened. The company XXXX XXXX XX/XX/XXXX then sold my account to a debt collector. They now claim no responsibility for what happened, even though it was their bank and personnel which made the changes to my account which resulted in this debt. 

The debt collectors, Midland Credit Management , Inc., XXXX. XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, is now wanting me to pay the charges associated with purchases I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, 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:
In XX/XX/XXXX, I began to repair my credit with a direct effort to secure a better FICO score. I began by paying off a loan with XXXX XXXX for {$4600.00}. I then acted to lower credit usage by paying down credit cards, lower credit utilization. I have not applied for any credit cards with exception of a XXXX XXXX late last year. If there are any inquiries on my credit report they should be deleted because they are not at my request. XXXX XXXX   reported the {$4600.00} as paid off on XX/XX/XXXX. For the months of XX/XX/XXXX and XX/XX/XXXX my FICO score was XXXX. XXXX XXXX provided FICO score each month included in my monthly statement. When I inquired on my XX/XX/XXXX FICO score, I learned that it had only advanced 5 points to XXXX. I called XXXX XXXX quite irate and they informed me that this score was provided by TRANSUNION. I spoke with TRANSUNION and they specifically stated that they could help if I made a payment to a subscription to XXXX. I was then directed to FICO where it was almost impossible to speak with a live agent. Being certified in the Fair Credit Reporting Act, I knew that my score rightfully should have been in the 700 plus range. I asked FICO to make the correction, the response was they would assist if I purchased a subscription. This is certainly consumer fraud and I request that my score be corrected.

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 2016-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Citizen One XXXX placed an hard inquiry on my credit XXXX XXXX XXXX. This action was fraudulent because I did not seek them out for an auto loan on XXXX XXXX, 2016. I did not sign any Citizen One papers requesting an auto loan. My credit score has been reduced due to this action and I was denied a {$30000.00} loan as the result of this fraudulent action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had my us bank account recently closed. Due to a returned check and insufficient funds. Ive had numerous problems with my account all of last year 2021. I had many fraud attempts with changing my password or someone calling and having duplicate cards mailed out. I probably had to close my debit card in 2021 more than 10 times. They could not give me an answer as to how this continues to happen. My bank statements didnt add up. Whoever sent me these us bank statements had the balance wrong and couldnt give me further details. A lot of the times I would call and they wouldnt even try to verify the caller was the account holder. I noticed that everyday XXXX since XXXX all the way through XXXX my account was being withdrawn by XXXX dollars daily. Sometimes more than once a day. Im a single mom of XXXX kids I thought my money would be safe but nothing was done. And eventually my account became withdrawn and I never received a notification but one and it stated it was sent in XX/XX/XXXX I didnt receive it in the mail until two weeks later And by then the accounts were closed. I relied on those funds to pay my bills and provide food for My household. Its really surprising that they made me feel like I was invisible and they couldnt help me at all but close my accounts.

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 2017-03-08
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had originally filed a complaint on XX/XX/XXXX. [ Case number : XXXX ]. Their response to me on XX/XX/XXXX was as follows : " Ditech records reflect that you voluntarily applied for a modification review and, after completing the trial period plan, you were approved for a permanent modification. Once the modification is completed the account will be brought current. Ditech currently is waiting for the signed modification documents to be returned by you. 

If you have any questions regarding the loan modification process, please contact Ditech representative XXXX at ( XXXX ) XXXX extension XXXX " I 've called them in XXXX once I received the recorded modification documents with the XXXX. They assured me that the account will be updated on their system the first week of XX/XX/XXXX. By the end of XXXX, I still did not see my account updated to reflect a modification in place but instead it still shows that I am past due and late on my payments. I 've since them called them many times. One time they said that it will be updated in the beginning of XXXX. I called again in mid-XXXX and they said it will be updated soon because they are under-staffed. It is now XX/XX/XXXX and I still am showing my account not up to date. I demand that at this point they get my account updated because this is affecting my ability to apply for any credit or mortgage. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request XXXX AND TRANSUNION the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-16
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below are in direct violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, Closed, Charge-Off No Account Number XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX, L - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX In addition, XXXX, Equifax, XXXX and the above credit furnishers and collectors, have violated my rights as specified in the following Sections of laws designed to protect consumers : 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 : states a consumer reporting agency can not furnish an 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Goal Structured Solutions, LLC
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Continuing to attempt to collect on a debt that was discharged in a chapter XXXX bankruptcy 3 years ago.Was an ineligible student at an ineligible school that is not accredited in the United States. This makes the debt dischargeable in bankruptcy. Company has been notified multiple times of this fact and continues to attempt to collect. The company is NOT a nonprofit. These facts in place means the loan is able to be discharged in bankruptcy. They continue to report negative information on my credit report denying my right to a fresh start and causing much distress

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In attempt to link an XXXX  investment  account i was prompted to submit banking information. Unfortunately it seems to be dome authorization issues preventing the linking of the accounts. Id like solution to this problem. How do i authorize such transactions as this as well as future transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below are in direct violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, Closed, Charge-Off No Account Number XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX In addition, XXXX, XXXX, Experian and the above credit furnishers and collectors, have violated my rights as specified in the following Sections of laws designed to protect consumers : 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 : states a consumer reporting agency can not furnish an 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 2021-11-21
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:
While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 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 2019-03-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To my knowledge, I was never late on my XXXX XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation