BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have   XXXX  pu blic record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by  XXXX  since  XXXX  of   XXXX  . According to FCRA law : " This information is generally removed  seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters   XXXX  ,  XXXX  and   XXXX    bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past du e remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since  XXXX    XXXX   which is now 16 years and 6 years past the legally permissable reporting criteria. However    XXXX    continues to report this information which is a violation of my FCRA rights and  State law.  The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.

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 2021-03-28
Company: EQUIFAX, INC.
State: MD
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:
I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TransferWise Ltd
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have been using ( Transfer ) Wise for several years. 
My transfers used to happen in a matter of hours ( as long as it was not over the weekend ). 
Just recently, they started taking longer and longer. One of the reasons to switch to this company was knowing when the money would show up reliably. Well, that just isn't happening since XX/XX/2023. 
I am including my most recent transfer and correspondence with the company ( I did plan for initiating on XX/XX/XXXX here, realizing that money would not move until the XXXX ) ( Also, my bank IS open on Saturdays ). 
I am also including a XXXX transfer showing how fast it used to be. 
The company will not explain what has changed or what the problem is. 
The time it takes matters... now I will be late paying 2 bills! 
These transfers are from my XXXX XXXX to my XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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 my credit report and found that some of the data were 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 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 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Capital one has refused to unblock my credit card. My card has been restricted since last year. Last year in XXXX my entire wallet was stolen. The individual who stole my wallet also used all credit cards but also compromised my checking account with XXXX. Instead of Capital one helping me they restricted my card and left me to pay all of the fraudulent charges. They keep saying in order to have my card unrestricted I must prove my bank account is mine. I have done that over 3 times and they also called the bank and they verified that I did indeed own the account. Last year the person who stole my wallet made fraudulent transactions and payments. XXXX froze my account because it was so horrible. They didnt allow any transactions on the account. When Capital one called XXXX they told them every payment I made but the payment the person made didnt show up and they are stating this is why they wont unblock my account. I have paid down all of the fraudulent charges and they wont even unrestrict my account stating they need more proof I own the account even though I sent over bank statements and they talked to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BAM Management US Holdings Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I set up a Binance US account, I made a deposit for {$500.00} and it failed. I ended up making successful deposits totaling {$500.00} the same day XX/XX/21. 
On XX/XX/21 the failed {$500.00} was debited from my checking account and the transaction still says failed, the money essentially disappeared. They debited a total of {$1000.00} and only credited me {$500.00}. 
I filed a ticket # XXXX ( only option for contact ) including documentation the same day, didnt hear back and it wasnt until I started XXXX about it that they responded with We have inquired with our banking partner. That was XX/XX/21 Ive heard nothing back, despite trying to contact them. There are hundreds of other people having the same issue, some waiting for months with no answer. I need that {$500.00} back in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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. 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.

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 explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: AZ
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 reviewed a copy of my Experian credit report and I was shocked to learn I have been a victim of identity theft. I found an account on my credit report that was not opened by me. I reached out to Experian regarding this matter and they refuse to do an proper investigation. USPS tracking # XXXX I provided them with an FTC identity report and Police report proving the identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove XXXX XXXX XXXX account # XXXX from my credit report as soon as possible. Thank You

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 2023-05-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 

Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 



I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this account with XXXX  and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX but it is still showing on my XXXX  and TransUnion credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: NV
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:
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. 
I Told the Experian and XXXX to reinvestigate these accounts ; 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 Has Violated my rights. 

15 USC 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 consumerreport 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 explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: MO
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:
n 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. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 : 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 explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX/XXXX XXXX loan should be updated as closed and paid off. Document as proof attach

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/18, I saw a {$19.00} charge ( posted XX/XX/18, ref. # XXXX ) on my XXXX XXXX statement , listing TransUnion as merchant and listing toll-free no. XXXX. [ See attached detail in .pdf of credit charge from XXXX online acct. ] I called the no., but because it was a weekend, no reps. were available. I called XXXX and indicated it was an unauthorized charge, since I had not ordered or signed up for any paid service from TransUnion. ( In the last month, the only thing I did was visit TransUnion 's website to create an online acct./profile, to enable me to temporarily lift my longstanding credit freeze online at a future date, if necessary. ) XXXX credit card 's rep. promptly accepted my disputed-charge complaint and reversed TransUnion 's charge. Only the next day did I notice, when I saw my XXXX online acct., that the {$19.00} TransUnion charge was listed as " Recurring. '' Today ( XX/XX/18 ) at XXXX Pac. time, I called TransUnion 's toll-free no. and spoke with tel. rep. XXXX ( employer ID # XXXX, based in XXXX ). I told her about the unauthorized charge and she sounded as if she didn't believe me. I explained I'd registered as a user on TransUnion 's site a few weeks ago, but had not signed up for any paid services. 

I asked what documentation or other authorization TransUnion had on file to justify their charging me $ XXXXmo. XXXX tried to change the subject and said she couldn't find any credit card charge on their system -- even though I was looking at the charge from XXXX 's online access, and had already given her the ref. no. and posting date. She didn't answer my question about what authorization docs. would allow TransUnion to charge me on a monthly basis. 

Then she asked for my complete credit card information, and I told her I was uncomfortable giving her this info. She said she needed it to complete her 'investigation, ' but I declined. This sounds like a scam ( if it was not, in fact, TransUnion 's real tel. no. ), and if it was TransUnion 's no., then they are charging consumers without authorization -- she never told me what the {$19.00} mo. recurring charge was intended to cover.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: FL
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:
This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove the following account : XXXX aka XXXX aka XXXXXXXX XXXX account number : XXXX XXXX aka. account number XXXX aka : account number XXXX unsure why one account reports as three different names per consumer report with three different accounts numbers a different one on each report from my consumers report. 
Also remove all late payments attached with a XXXX account and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and 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 explanation