BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-18
Company: OPTUM BANK, INC.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX  I opened XXXX accounts for my self and my employees at Optum Bank. On XX/XX/ I deposited {$1000.00} into each of my employees as well as my XXXX account. Almost immediately, Optum Bank has managed to lose my deposit, per their website there was a ACH withdrawal of {$1000.00} the same day I made the deposit, except I had no access to the account and the funds weren't even available at that time. I discovered this error when my wife tried to use the XXXX debit card and it was rejected. Optum has given multiple excuses, including a security breach and system errors, however they have done nothing to resolve the issue, On XX/XX/XXXX I was told they are trying to resolve the issue in batches meaning this has happened to multiple people. Optum Bank has essentially held my money hostage for XXXX weeks and can give no estimate as to when it might be released. I have asked Optum to credit my account for the {$1000.00} until the resolve the matter they have refused. they literally lost my deposit within hours of me making it and clearly in no hurry to resolve the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
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:
XXXX XXXX XXXX XXXX Chexx Reporting inaccurate information and invalid information. My identity was stolen below is my consumer report :? 
XXXX Report Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Lendbuzz Inc.
State: MA
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:
My name is XXXX XXXX XXXX XXXX, I am writing this complaint under the penalty of perjury. I have never had - previously or currently, any accounts or dealings with the financial institution LENDBUZZ FUNDING LLC., www.lendbuzz.com, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX, ( XXXX ) XXXX. During the process of purchasing a home I discovered through my credit report provided by XXXX that this financial institution reported on my credit an automobile purchased in XXXX of 2021 for the total amount of {$18000.00} with a current balance due of XXXX. 
Upon conversations with the financial institution and the auto sales shop it was discovered, clearly and conspicuously, that the purchase belongs to my older brother. We presented the contract number to LENDBUZZ ( which they confirmed they have it on file ) and they also confirmed that the purchase was made without an SSN or an ITIN number and that my non-public or public information was never a part of the process. 
I have no idea how they got a hold of my non-public information to add this debt to my credit report. 
We spoke to several people within their organization, including the supervisor XXXX and they refuse to remove it unless we file a complaint with all three credit bureaus. I consider unconscionable that they would make such an error and not fix the problem themselves giving that they have the sales contract in their files. They alleged the need to investigate, even though they have the contract as evidence that the vehicle does not belong to me and that they receive monthly automatic payments from an account that does not belong to me. How many others have they reported onto their credit reports without cause? 

I hope the CFPB can investigate how they get a hold of SSNs and report incorrect debts to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In short, XXXX XXXX financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested XXXX to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before XXXX finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, XXXX 's Title Manager admitted to me that XXXX had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. 
SHE REFUSED. She also informed me XXXX had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX8, I filed a complaint against the auto dealership and then found out XXXX had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. XXXX was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from XXXX representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want XXXX to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and 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 2023-09-26
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please clarify what is insufficient information? I provided a dispute letter and ID to verify my identity. Please provide a copy of supporting documents to support the debt bearing the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Capital Accounts, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, at the time was a patient of XXXX  office of XXXX XXXXXXXX XXXX XXXX At the time I had got XXXX  that day and was only XXXX  years of age at the time. I never signed any contracts stating that I should be legally responsible for the payments. My mother had signed a contract stating that she would be responsible since I was legally a minor. Even though the XXXX  office was aware that I was making payments myself. I was set up on a payment plan with an original balance of XXXX with XXXX monthly for about 2 years. I had initially paid XXXX as a down payment in cash on XX/XX/XXXX. With me being a minor and still in school I did not have a stable income to continue making payments. So I stopped going for months at times. Probably about once a year until around XXXX of XXXX my last appointment. Most of payments I made were in cash. Some were on bank statements that I have. 7 years later after being threatened to be sent to collections after first becoming delinquent for a time I am just now getting a report for a full balance as if no payments were ever made. I never signed a contract after becoming of age of XXXX nor agreed to be financially responsible from the day that I first got my XXXX  as a minor. I do believe this is a violation under the FCCPA unfair practices section [ 15 USC 1692f ]. I will need to see proof of the debt. Also a itemized receipt of all payments including cash from XXXX XX/XX/XXXX. I should not have been responsible for the debt as a minor legally. I also need to see proof a an expressed consent contract that I signed agreeing to debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Bank of America credit card that was opened when I purchased    AAA. I opened the card to get a discount on AAA. I paid with a check for the first year of the AAA then the next year was billed to my credit card. I called and told them I no longer wanted AAA and I was under  the impression that it was canceled and the charge was being credited back to my credit card this was in  XXXX  of    2017.  I did n't get another bill until   XX/XX/XXXX  I  was still being billed f or AAA alo ng with late fees and interest I called Bank of America and they removed the fees but told me to conta ct AAA with my dispute. I called AAA and they told me that my membership was n't canceled a nd that it was to late to cancel it and that I had to pay for it. I called Bank of America back and tried to dispute it with them but they are telling me I have to pay it. I do n't understand how a credit card company can hold me responsible for something that I do n't w ant. AAA is telling me that there is no notes from where I called in  XX/XX/XXXX  however they also told me that if there is no change made to the AAA account that they do n't have to note it.

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 monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have contacted Transunion to rectify these inaccuracies, but they seem to not want to respect my rights as a consumer as I demanded they be DELETED immediately due to the fact that I didn't recognize them and they are causing distress in my daily life. I have reviewed my credit report and have confirmed that I did not initiate these inquiries nor have I given consent for any institution or individual to access my credit information on the mentioned dates. These unauthorized inquiries have raised serious concerns regarding the security and accuracy of my credit report. The inquiries in question are as follows : XX/XX/2023 Inquiry Type : XXXX XXXX XXXX : TransUnion XX/XX/2023 Inquiry Type : XXXX XXXX XXXX : TransUnion XX/XX/2023 Inquiry Type : XXXX XXXX XXXX : TransUnion

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

Account Name : XXXX XXXX Account XXXX Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account NumberXXXX Account Name : DEPTEDNELNET Account NumberXXXX  Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX  Account Name : DEPTEDNELNET Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account Number:XXXXXXXX Account Name : US DEPT ED Account XXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name XXXX DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX has violated my rights. Or 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 2023-07-13
Company: Experian Information Solutions Inc.
State: NJ
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:
This is not mine XXXX ACCOUNT 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: 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: Information belongs to someone else

Complaint:
The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 2023-04-30
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Ive had my credit card through discover for nearly 7 years all of a sudden my account has been frozen and is on hold for some odd reason the hold can not be lifted. Call customer service as to why my account is on hold can not get a straight answer. Ive spoken to 3 reps already seem to not be able to have success with anyone from discover Im contacting you for some type of assistance to resolve this please thanks. The card is completely paid off and ready for us but unable to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Professional Debt Mediation, 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:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/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 2023-08-18
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received my payroll check from my employer on XXXX, I that evening did a mobile check deposit into my credit karma account. Was then told via a message, that my check would release {$220.00} of it by the XXXX and remaining on the XXXX. A few days go by, then at XXXX XXXX on the XXXX, I received XXXX back to back emails, first said my check funds were in my account, the next stating my check had been rejected and returned. Believing this was a mistake, went to try and re-deposit the check again only to receive a message saying I could not due to the check being already cashed???? When I contacted credit karma, I was told nothing, they said my issue had to be escalated to an escalation dept and I would hear from them on my issue. Well I am now XXXX  days later and went to the checks issuing bank to cash my check since I now HAVE NO MONEY AT ALL. The issuing bank told me it wasn't able to be cashed and to get my employer to write a new one? I spoke to my boss, and he checked, stating the payroll amount for my check WAS ALREADY CASHED? So credit karma not only hasn't told me anything about the issue, but now they are holding my paycheck hostage and not telling me anything about when I can either get it into my account or have the check declined??? So, in essence this company has just robbed me and won't tell me anything to clear it up? That doesn't seem right. I just need the money I work hard for

Company response to consumer: Closed with explanation