BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2023 I noticed that my auto pay that I set up again for the XXXX time still did not set up. I was sure it was set up because I had spoken to an agent this time that explained since me and my girl friend at the time both had accounts the system wouldn't allow us both to use the same card for auto pay. 

So i thought we squared it away and it was on auto pay. I wrote a letter to the company this time when to my surprise the auto pay was still not on!! and my payment had to be manually made due to their system. 

So Again I followed up and this time the representative said that he can find any communication on my account ever!! He said that there agents sometimes make notations under the phone number instead of the account so my account has no notations so they wouldnt be able to pull that call, and fix the thing Ive been dealing with all year! 

You can see that that until this happened for XXXX years there were no problems I dont believe this account was ever late as it was 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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent several disputes to XXXX, XXXX, Transunion stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. Transunion and XXXX deleted it off my credit report but XXXX refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all 3 credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to XXXX, Transunion, XXXX. 
XXXX still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have sent out certified letter and had a company send out letters 3 times and, on each occasion, I have not received anything from either credit bureau to settle the situation. I have disputed negative accounts that are in collections and have not received word about any of the accounts nor have any of the accounts been deleted after multiple attempts.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX and Federal Trade Commission ). 


1. " You are in VIOLATION of FDCPA. You can not charge me more than 20 of the orignal dept owed. Yet this collection agency CHARGED ME more than 30. This is ILLEGAL and a CLEAR VIOLATION '' XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 



Sincerely yours, 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 2023-11-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Venmo froze my account and the contents of my wallet. I have given them the information they requested multiple times. They claim they suspended my account to protect me. My case number is XXXX XXXXXXXX All I want is for them to allow me to transfer out my wallet to my account at XXXX XXXX XXXXXXXX and then they can close my account. 

Their support team is overseas and they are not responsive. I am so unhappy please help their email is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-06-12
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: Account information incorrect

Complaint:
I have been contacting Transunion along with providing proof of debt payoff but Transunion is not correcting the credit report at their ends. Transunion is report XXXX debt collection 1 is from CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with balance of {$21000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting Tansunion to remove both negative balance from my credit report which Transunion is not agreeing with.

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 2023-06-12
Company: PROPEL FINANCIAL SERVICES LLC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX XXXX unauthorized transactions were performed on my account for XXXX or around that amount see notes. i reported these transactions upon finding out. a fraud form was filied out by me and sent to providers bank. they ( XXXXXXXX XXXX } XXXX liability rule that says all unuathorized transactions performed without card holders consent will be issued provisional credit while an investigation is performed if more than 10days elapsed. a finding that was made no more than a day of no fault was issued.. i imediately asked for a reconsideration of the findings as its impossible for me to have been at two places at once the fraud form i filed explains thatso an reinvestigation was idssued going on four weeks now and since then i find that my account has been closed, i fell was was a retalitory measure by providers bank and is also illiegal as i get my federal security deposited every month and providers had no right nor reason to close that account, so now iam filing a complaint for closing my account with a retalitory attitude by providers so iam seeking my provisional credit XXXX around XXXX and a federal XXXX for closing my account illegally.. this investigation has gone well over 10 days at that time provisional credit shoould have been issued up ontill a decision was made which one has not yet been made.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-12
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Atlantic Bay Mortgage intentionally lied to the bureau and invented disinformation as part of a financial conspiracy that I did not pay my own home insurance to Members XXXX when in fact I did. Atlantic Bay Mortgage believes they are so special and exempt from federal criminal law that says you are not allowed to lie to federal banking regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: NC
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:
Equifax, XXXX, XXXX, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on XXXX  from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I received a text message from Chase fraud asking if I attempted to withdraw {$400.00}, immediately I wrote back and said no not even a minute later. Looking at my account I saw {$400.00}, {$300.00} and {$1500.00} withdrew from my account unauthorized. I never made this request nor does anyone have my information. I physically have my card on me, however, I saw that an unknown computer logged onto my banking account against my will and was told that they made the ATM request though there. Attached is the text message of me telling Chase that I did not approve this charge and a screenshot of the unknown computer. A temporary credit of {$700.00} was refunded to me, however, this was taken aback by Chase and as a result my bank account is now negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
GM FINANCIAL HAS COMMITTED FRAUD. GM FINANCIAL HAS VIOLATED PLENT OF LAWS, CAR CONTRACT IS FRAUD AND NEEDS TO BE REMOVED BECAUSE OF FRAUD, HARASSMENT, PAIN AND SUFFERING, ILLEGAL CREDIT REPORTING, ILLEGAL REPOSSESSIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX agreed to remove all reporting late payments from my credit reports and they told me to wait and that they submitted the request to the Credit Bureaus and to wait for them to remove them I have contacted the bureau about when will they remove the info that was requested to be removed and all 3 bureaus told me that the removal of account or account info is not done on there end so I contacted XXXX XXXX XXXX and they told me that its not done on there end so I have been waiting for to long for the removal of the late payments that were agreed to be removed.

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 2023-08-30
Company: EQUIFAX, INC.
State: IL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ssn is linked to someone else in a death benifets clam in 1991 coming up for me as aka and im very much alive

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 2019-08-02
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to XXXX and try to dispute on XXXX. XXXX said it was sent. Some how it's still showing on my report. How do I get this off?

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 2023-10-11
Company: New Century Auto Sales, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I inquired about a consumer credit transaction with the dealership known as RightWay Auto Sales. During the inquiry a representative by the name of XXXX insisted he can get me a car regardless of my credit score or profile. I asked him multiple times if credit would affect the transaction he then advertised it would not make a difference and I should be able obtain the car upon my ability pay or employment. He continued by issuing me a application which I then endorsed as the registrar and owner of the account for an extension of credit. When I asked about the application they informed me It was denied credit without any further disclosure. I asked them to inform me of the reason which I have the right to know as a consumer to express my right and interest in the contract. The representative told me it was to late at the time and nothing he could do about it. I later received multiple credit inquires which I was not aware of nor did I consent to as the principal owner. The application were fill with fraudulent and inaccurate information I never provided. This is a violation pursuant to Truth and lending Act for failure to fully disclose and inform the consumer truthfully of all information pertaining to the contract. This also is a violation of my consumer rights pursuant to the following acts and statues listed ; The Equal Opportunity of Credit act 15 U.S.C. 1691-1691f, Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Fair and Accurate Credit Transactions Act of 2003, Pub. L. No. 108-159, 117 Stat. 1952, codified to 15 U.S.C. 1681-1681x and lastly Federal Trade Commission Act 15 U.S.C. 41-58, as amended. I am expressing all right and interest as a consumer and principal owner of the account I am seeking remedy and compensation for the the personal, emotional and legal damages done to my personal intangible property pursuant to the my 4th amendment constitutional right and violations of the federal acts and statues acknowledged above heretofore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00}

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