BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$16000.00} ), XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$12000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-02-04
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
EQUIFAX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. AND EVERY TIME I ASKED FOR A CREDIT REPORT THEY WOULD SAY THAT THEY CANT FIND ONE IN MY NAME. ON MY CREDIT REPORT EQUIFAX IS REPORTING SOMEONE ELSE REPORT ON MY CREDIT REPORT AND IT IS IN SOMEONE ELSE NAME BUT ITS STILL ON MY CREDIT REPORT. 
XXXX REFUSE TO GIVE MY CREDIT REPORT AND I SEND IN THE REQUIRED DOCUMENTS. AS A CONSUMER I HAVE THE RIGHT TO KNOW WHAT IS ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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:
Accounts on my report I do not recognize

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 2023-06-26
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Cardholder closed account in XXXX. In XXXX, cardholder was notified of an outstanding bill comprised of charges post account closure. Cardholder repeatedly requested an itemized bill be mailed to verify charges and that never happened. It took four months to identify the charges that were approved by GS Apple Card after cardholder canceled the account. Cardholder ultimately paid the outstanding bill that was comprised of unauthorized charges because account was closed. Cardholder did not approve charges nor thought there would be charges on a closed account. No other established credit card company would authorize charges on a closed account ; rather they would assist the cardholder/customer on the issue. Further, Goldman Sachs/Apple Card has made it a priority to damage this cardholders otherwise exemplary credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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:
This is one of my numerous 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  Please delete these accounts ASAP.

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 2022-02-04
Company: BANCO POPULAR DE PUERTO RICO
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since I have been a customer, either my payments are not registered on my account or my certified cashiers checks are placed on hold. The certified cashiers check from XXXX are GURANTEED FUNDS .No one can explain to me why payments have this interference. 

Either my payments are missing or placed on a 5 day hold. I am attempting to use the card but keep a zero balance so I mail my payments in advance.

I am hoping to buy a home and have to keep my cards low or zero balance.

I feel that my account and my person has been " singled out '' by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX has a total of 6 medical debts under {$500.00} still reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$55.00} ( This has been paid in full ). 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$65.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00}.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a victim of identity theft. The information listed in attachment which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
I have disputed these accounts with you since XXXX of 2022, and NO action was taken. 
section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within FOUR BUSINESS DAYS and to promptly notify the furnisher ( s ) of that information. As consumer I am requesting these accounts to be deleted IMMEDIATELY Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Porsche Financial Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a car threw Porsche Financial. I did a valuntary repossession with it>. The car was sold. It has been XXXX  yrs which makes the account go under statute of limitations. I went to Porsche and ask them could they remove this inquiry off my account and they told me that I have to go to the 3 credit bureau to get it. off. The bureaus told me I have to go to Porsche. So where do I go. Its been XXXX  yrs and this should be off my report. Mr resent credit update came back and its reading like Im still paying on the car and that I am in good standings. How can that be when I gave the car up XXXXyrs ago. Can you please take this item off of my credit report. First you are reporting that I am in good standings and then you are reporting that I am still paying on a car that I dont have. 

XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently became award that someone tried to fraudulently apply for 2 store credit cards with Comenity bank under my name. I reached out to Comenity via email on XX/XX/2022 and have not received a response. I have also tried reaching Comenity daily via phone since XX/XX/2022 however due to a continued " service outage '' have been unable to reach anyone. The one day I did get through to an operator they were unable to help. As a result of the fraudulent application I had 2 hard pulls of my credit report. I have placed a fraud alert on my credit and reached out to all of the reporting bureaus. XXXX has removed the pull, however XXXX seems to think it was a valid pull. The inquiry did not appear at XXXX. I am requesting that Comenity contact XXXX and have the fraudulent pulls removed from my record. I also want to make sure that no credit was established in my name. Finally I am requesting any available information regarding the applications so that I may forward them to law enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: FL
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 logged into my JP Morgan Chase bank account to review my balances and saw that my savings account balance was {$890.00} and my checking account balance was {$0.00}. These amounts were significantly inconsistent with my balance and activity. 

I looked at my checking account and saw 59 ATM withdrawals had been made on XX/XX/XXXX and XX/XX/XXXX in amounts of {$1.00}, {$100.00}, {$140.00} and {$160.00} and totaling over {$9000.00}. 

I immediately went to my bank branch to discuss next steps. A case was opened by XXXX XXXX, the Branch Manager of Chases XXXX XXXX branch. XXXX XXXX canceled the card ( which was still in my possession ) and closed the accounts. XXXX XXXX reported the unauthorized transactions and I expected that I would get my money back, Instead, on XX/XX/2023, the Chase Customer Claims team sent a letter stating that they found all of these transactions to be authorized and would not make an adjustment. 

59 transactions below {$200.00} over 2 day period should have been flagged by Chases Financial Crimes staff, as this activity is not wildly inconsistent with prior account activity but is the very definition of unusual or suspicious activity as described in the Interagency Guidelines on Identity Theft Detection, Prevention and Mitigation. Chases failure to identify this fraud is grossly negligent. 

My prompt reporting to Chases bank manager took place within 48 hours of the clearly fraudulent activity. Under Regulation E, had a legitimate review taken place, my liability would have been capped at {$50.00}. 

It is disappointing, although not surprising given Chases regulatory history with respect to money laundering, sanctions and fraud detection weaknesses, that I am now seeking assistance from the CFPB to be made whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 they violated my rights. 
Please delete the following items : CHILD SUPPORT ENF AG/N Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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.

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 2022-02-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal permanently limit my account for no reason and they won't assist me with this. 
I don't know whether this is some mistake on their part so I accept it must be. 
It's been a month and no clear response from them that they will help me on what to do to fix it. So I recalled that I could send a report here as I was frustrated that they are not doing their job properly and it is affecting me as a great deal as I used PayPal frequently. 
My email connected to PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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 am writing to delete the following information on my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I've asked for the past seven months that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Affirm Holdings, 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 is missing that should be on the report

Complaint:
I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address is not the one that appears in your systems, but the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This account was closed and paid in full, and at this time I am reporting negatively on XXXX. And it does not report to any other agency, which clarifies that there is an error in the report. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I'm unable to use the Shell/Citibank master card that I received. I am unable to log into my account or change my privacy preferences. After I register the card there is a constant online error message. The company first said that these were all technical errors and that I should change my pass code and register the card again. This did not solve the problem. The company then stated that they would have to talk to 'management ' to resolve the issue, and that this would take an additional 10 business days. Furthermore, I am unable to opt out of information sharing. The automated system simply disconnects the number and says that it's unable to process any such request. Furthermore, my cash advance limit was limited to {$50.00}. This raises extreme privacy concerns involving the company Shell and officials in the state of Arizona where these crimes are being perpetrated.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 2022-05-18
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX XX/XX/2022 -- My renter XXXX XXXX sent me rent like he has done every month via cashapp -- for quite a substantial time. I logged into my $ XXXX cash app account and attempted to transfer the money to my newest account, since I was previously locked out of my old account due to my phone being stolen. I have done this same process for multiple months -- with absolutely no issue. My renter sends XXXX every month -- this month after a XXXX transaction posted to XXXX -- - {$430.00} was remaining in my account under $ XXXX. 

When I attempted to log into the account and send to my newest account -- Cash App signaled a " Suspecious Activity has been detected, your account has been locked for further review by a Cash App Support Member. '' So I opened a ticket requesting assistance -- as my monies to pay my rent are now locked down -- and the answer I get from Cash App for over 5 days now is : " '' Keeping your Cash App secure is our main priority, which means we have a variety of security measures in place to protect your account. 

Our security process reviews multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we will not be able to grant access. 

I'm unable to manually override this decision or provide additional details, and no further action can be taken at this time. 

Thank you for contacting us! In the meantime, feel free to reply here if any other questions or concerns come up. I want to make sure we get everything taken care of. 

Regards, Cash App Support '' '' Meanwhile -- I have called and spoken on the phone with them twice -- I have verified my identity and verified any and all information on the account. Including All mailing addresses 's ever associated on the account -- The Bank Account attached to the Cash App profile -- Transactions - dates, times, amounts. 

And they refuse to provide me any assistance, or help me get my monies. I have now been served with an eviction notice because of this situation. I NEED HELP PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX fraudulently placed this account on my report. Sold it tonXXXX XXXX XXXX. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: CT
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 explanation