BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see the attached Formal Complaint Against XXXX XXXX XXXX XXXX  ( dba ) XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX  ( dba ) in Virginia as XXXXXXXX XXXX XXXX XXXX  dated XX/XX/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 2023-05-04
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXXBalance : {$2000.00}, 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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion is a frequent flyer, regarding breaching the law. The information attached shows how they continuously break the law, and do not fix errors contained on the credit reports from an individual. They share information to people not authorized, and they try to confuse the regulators like CFPB, by saying they verified the authorization without providing any proof of that. 
I have had for almost 2 years a lot of fraudulent inquiries, since the XXXX  information leak. I have been notifying properly as the law dictates both Transition and XXXX, and neither one of those eliminate the unauthorized inquiries to my report. Even with the proof of the creditors asking to remove the inquiries, they simply neglect to take off all the inquiries that do not have any authorization from the individual. They do not provide any proof of verification, and CFPB is not doing anything about it. 
This complaint in addition to the previous, has the proof from a lot of those inquiries being retired by several creditors, and Transunion still does not fix the errors completely out of the FCRA timelines. 
Any economic damage to the customer ( ME ) will be ruled by a judge soon. CFPB I am providing evidence of the continuous breach to the FCRA by Transunion, please procede accordingly. 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 non-monetary relief
Consumer complaint received 2021-09-04
Company: EQUIFAX, 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 status incorrect

Complaint:
I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. 
======================================================

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Experian Information Solutions Inc.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX  XXXX ; DEPT OF ED/XXXX XXXX XXXX ; DEPT OF ED/XXXX  XXXX XXXX ; XXXX/XXXX XXXX ; DEPT OF ED/XXXX  XXXX XXXX ; DEPT OF ED/XXXX XXXX XXXX ; XXXX/XXXX  XXXX XXXX XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; XXXX/XXXX XXXX and 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 2023-12-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I need to fund {$50000.00} to my new account in another bank. On XX/XX/2023, I requested a wire transfer of {$50000.00} to my XXXX XXXX XXXX. XXXX account. The next day on XX/XX/XXXX, the wire transfer was reversed. I was told I could only transfer back to my original funding account, which is absurd and does NOT appear in any policy or agreement. Then, I requested a wire transfer of {$50000.00} to my XXXX XXXX  XXXX account on XX/XX/XXXX, from which I funded {$50000.00} back in XXXX. It was reversed again the next day on XX/XX/XXXX. XXXX Bank just would not let me transfer my money out!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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:
I got my credit ran at the XXXX dealership today XX/XX/20 because I'm trying to buy a car and my credit report came back with two accounts in negative standing ; I had no idea these accounts were on my credit report because I did not open either of them nor do I have any written/verbal contract with those companies. The companies in which these accounts were opened are called XXXX XXXX & XXXX XXXX. I am not affiliated to these companies in any way and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a police report regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit 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:
On XX/XX/13 my wallet was stolen. I got 2 Target credit cards that did not work after i reported theft. On XX/XX/XXXX i called to make a payment and found my account in a negative {$4700.00}. Someone had made a Target credit card online account and paid my account twice. Then charged 2 purchases XXXX with a card i never received. I sent a fraud questionnaire reporting the 2 fraudulent payments and 2 purchases. I am certain this occurence is identity theft. I froze my credit bureaus, i put extra security on my social security and kept calling Target 2x a week for updates. 
My life has been in upheavle. I am a struggling single parent and take care of my mom. 
I have only received 3 letters from them 1 stating that MY payment of {$4900.00} was not cleared ( i never made a payment of that amount ) and another said that Target made a mistake in paying {$4900.00} to my account. They credited the 2 fraudulent purchases. 
Now they said today they will not honor any compromise for all the trouble this identity theft cost me. Isn't it a crime to knowingly allow my account to be exposed to someone else? This person created an online account and paid my balance to then use my information? Isn't Target wrong to not acknowledge the trouble and stress i experienced. I would like to lower my balance and set a payoff amount and close business with Target. 
I have copies of everything. I will not sit back and allow such unfairness to befall me while they pretend reverting everything the perpetrator and themselves did and then tell me it's 'fixed '. 
Please help. I can not afford a lawyer. I know what happened to me was wrong and i was honest to report it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have contacted TRANSNION by phone on 3 occasions to remove inquiries on my credit report that are either fraudulant or a mistake and transunion refuses to take my complaint so i contacted the banks and was told they would send letters to transunion or electronic communications to transunion to have the inquiries removed. The inquiries remained so i asked the banks to send me letters to have them removed. The banks sent me letters and transunion said for me to fax the letters to them which i did but the inquiries remained.The following inquiries need removed. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/2022 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 2021-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone comprised my personal information in XXXX and opened a XXXX XXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXXXXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/ there was over 100 transactions equaling {$960.00} off of my bank account. I had filed a dispute with Chime stating the police report from when my cell phone and wallet had been stolen. I also sent in the list of transactions, the amount, a copy of the police report they denied the claim stating that, one of the merchants said there was no fraudulent activity. I then emailed both merchants who replied with. They both confirmed that there was fraudulent activity on my accounts. I took copies of those emails sent them into Chime, who then still denied my dispute a second time.

Company response to consumer: In progress
Consumer complaint received 2022-03-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I meant to send {$15000.00} to my husband and soon realized it was not the correct recipient. I immediately tried to locate the contact information for the wrong recipient but there was no contact information available to me other than the messaging allowed within PayPal. I sent him the message that it was mistakenly sent to him and he acknowledged and asked if there was a reward for returning the funds. ( I have attached the messages ). 

It should also be noted that when I sent the funds there was no obvious contact info or phone number showing to verify it was the correct person. Also, it was very clearly shown that the funds would be coming from my bank account and as a back up from my XXXX card. There was nothing that stated it was being sent from PayPal first. ( Attached image ) I filed a dispute online immediately. However, on XX/XX/2022, I got a notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and upon logging into my PayPal account realized the dispute was not resolved. So I attempted to submit another online dispute. 

Then on XX/XX/2022, I got another notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and realized the dispute was not resolved again. I filed another online dispute and suspected there might be something wrong with Paypal 's system because each time I would hit the 'Submit ' button the page would not go to a new page but it would go to a different phase. I have attached a screen grab of the screen and it would stay this way indefinitely every time. 

Once I suspected it could be a technical issue, I called and filed the dispute. I was told to contact the wrong recipient and let him know what happened and to return the funds but there was no contact information available other than the PayPal messaging. The representative also said he would send a notice from PayPal. I messaged the person again and to this day there has been no responses. 

PayPal has now put a negative - {$15000.00} into collections against me and I believe that should be held against the person that admittedly took the funds that were not meant to be sent to him. Also, there is no contact information other than PayPal XXXX  which he is not responding to and also I was not able to verify the account prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Woke up to a new Bank of America checking account being opened in my name. I received two emails separate emails in my spam email account from Bank of America. The first said my checking account application was in process. The second said it was approved and had the type of checking and the last 6 digits of the account number. 

Ive called BoA, and with the last 4 of my SSN, there surely is an open account with the same digits in the email that is not yet funded, and the thing is, I cant seem to get anyone of the phone. The first time I was disconnected and the second time, I stayed on hold for 30 mins to be transferred and then disconnected. I finally reached a live person who claimed that a new fraud alert was being created but Ive yet to receive an email confirmation or a letter in the mail. Its been over two weeks since I spoke to the last Bank Security Agent. Please help!

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 2023-05-26
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland says they gave me the month of XXXX under Covid forebearance but when I call in they say they didnt and dont pay XXXX it will go to XXXX. They said they did in cfpb statement. 
If I do that I get marked late and foreclosure Need help 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 2019-03-16
Company: EQUIFAX, 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:
Have a collection on my Equifax credit report from XXXX XXXX. This bill has been paid directly to my physician 's office, and I was told that this balance brings my account current, and that nothing has been submitted to collections. I have never received a collection letter or phone call, plus I have no signed agreement with XXXX XXXX stating that I owe them money, and I am not going to write someone out a check with no agreement in place, otherwise I could just say that you owe me money, and if you say " no, I don't '', then I could put a collection on your credit report. I don't think it is suppose to work this way. I have tried numerous times to file a dispute, and Equifax refuses to correct this mistake. In fact, I get their " dispute has been completed '' e-mail within just a few hours of submitting a dispute, so how are they even taking the time to look into this? This collection is only for twenty-couple dollars, so believe me, if I thought I owed it, I would pay it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: HW Holding, 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:
XXXX : Dear Sir or Madam/To Whom It May Concern, On XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In XXXX  your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in XXXX ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within XXXX XXXX or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called HUNTER WARFIELD ber. Please update XXXX XXXX XXXX XXXXXXXX we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE 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 belongs to someone else

Complaint:
MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-03-11
Company: American Credit Acceptance, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contstantly popping up on my credit never did business or know what this company is I have filed police report and ftc report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation