BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: PNC Bank N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I believe I have been getting false reports starting with a mortgage from PNC BANK that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is PNC BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I wrote to equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that equifax reply within a reasonable amount of time. 

Since this is my second request, I am notifying you that I have signed receipts for letters sent to equifax and equifax have not complied with my request. I regret that I am being forced to take such action. As this is affecting my credit ratings, I want this removed immediately. 

Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. 
( Concerning account XXXX XXXX XXXXL ( XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX  ) XXXX I also understand that equifax are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. So now I demand everything is removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: LA
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:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the XXXX and Fair credit and billing act. I have not heard back from Equifax. If they can not validate, please remove from my Equifax credit report. The following account is what I am disputing : Collections XXXX XXXX Opened XXXX {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My grandmother died of XXXX in XX/XX/2020. I had put all my credit cards on autopay due to me being understandably preoccupied. 

And after that, I got an email saying I had a 31 day late payment on my account. 

I checked my account and I saw that I had in fact paid my Chase card on time. 

However, I noticed that my statement had XXXX ) the wrong home address, as I had moved XXXX miles away XXXX ) the wrong balance XXXX ) and the wrong authorized payment I have repeatedly called Chase about this issue, starting in XX/XX/2020. I have called and had in-person meetings about this every single month till today. During these calls and in-person meetings, I have been called XXXX slurs, and told that I'm a XXXX and a XXXX  by a receptionist at Chase ( XXXX XXXX XXXX XXXX XXXX but that didn't seem to protect me from discrimination  ). I've also been told to go back to my country, even though I was born and raised in America. I've had Chase employees make fun of my name, and told " XXXX XXXX XXXX is irrelevant to Chase 's policy on revising the information they send to credit bureaus ''. I filed multiple complaints within Chase about the abuse I received ; none of these complaints ever led to any change in employee behavior. 

Since Chase fraudulently claimed I was late on a payment, my credit score has plummeted. 

I called Chase Bank yet again today to ask for proof I missed this payment, and the person on the phone laughed at me, said " that's impossible because it was from 2020, '' and when I asked for her office 's mailing address, she hung up on me. 

Chase has no proof I missed this payment, has repeatedly discriminated on me on the basis of race, national origin, gender identity, and XXXX XXXX, and has refused to do report accurate information to the credit agencies. Chase bank needs to be held responsible I have included the Chase statement 's that have my incorrect address. I also included a receipt I got from an Illinois government affiliate, proving I lived in XXXX in 2020. And finally, I included the announcement of my XXXX  XXXX XXXX. It shows the funeral happening on XX/XX/2020, which is XX/XX/XXXX on the XXXX calendar. And I'm listed as a grandchild under the nickname she called me, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: GOLDMAN SACHS BANK USA
State: VA
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:
on XXXX XXXX, 2022, Received an alert from XXXX XXXX on my XXXX account that a new Goldman Sachs Bank USA account was detected. I didn't apply for this company 's services and have no idea who did use my name. The notes stated that the account was opened on XXXX XXXX, 2022. I have never applied for this account and spoke with the company 's fraud department. They informed me that their company doesn't do credit checks and I should report this to you and several other credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Upgrade, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collectors from Upgrade call my phone at least times a day, EVERY DAY. The first call typically comes right after XXXX and the last call usually comes about XXXX. There is another one or two calls midday. This has been going on everyday since XXXX or XXXX. This calls always coming from a XXXX number XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened an account with Binance.US in XX/XX/2021. I was approved with basic verification, which allowed me to transfer in virtual currency, and sell it for USD. I was not allowed to withdraw that USD until I received advanced verification, and understood that. 

I have been unable to receive the advanced verification through the Binance.US platform. The service is requested a copy of my driver 's license to show proof of identity, but the platform has no way for me to upload that data. They say it is a bug with the system that they've been working to collect. 

Meanwhile, Binance.US has XXXX USD of assets that I can not withdraw. I have been waiting and waiting for help to complete the verification process, but customer support does not answer. I've had a ticket open for over two weeks with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX 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 an 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 explanation
Consumer complaint received 2022-06-02
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX SECTION XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX SECTION XXXX A SECTION XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Bread Financial Holdings, Inc.
State: FL
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:
In month of XX/XX/2023, I found out on XX/XX/2023 fraudulent account with Ikea was open in my name. I reached out to Ikea to notify them I didn't open the account. Ikea told me they would investigate matter, while waiting for Ikea to notify me, I contacted all three credit bureaus including Police Department about the fraudulent matter. I was given case number along with Police report in reference to fraud account that was open in my name. When Ikea contacted me, I told them I reported fraud to my local police department. I also, gave them case number but Ikea refuse to remove this erroneous fraud information from my credit report. Today someone from Ikea called asking me, what am I going to do about account. I didn't open Ikea account simple! Ikea now wants me to go back to police department for IP address, which they supposed have done investigation including IP address, was account open in store or online, video surveillance, if they made any purchases online, if they did what address did merchandise go to. Ikea haven't done anything to resolve this fraudulent matter, no more than calling my phone for payment and telling me that I open account. To be honest I never heard of Ikea until this fraudulent account appeared. Please help me get this resolved, ASAP. This fraud has affected my life, credit and money with negative impact on credit something that I did not open or give anyone to open on my behalf. Ikea is just not doing anything to resolve matter, just keep calling me for payment on merchandise on account, I didn't open!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
BlockFi has paused withdrawals and not honoring withdrawals done before the pause. 

On XXXX, I withdrew the amount of {$14000.00} in the digital currency XXXX on BlockFi they sent a ( clearly fake email ) saying it was canceled due to " not completing identity verification ''. I never received this verification. I was only sent texts to click a link if it was fraudulent or ignored and they would move digital currency to XXXX. Now I am unable to re-try the withdrawal due to the withdrawal pause. 

I made this withdrawal BEFORE BlockFi paused withdrawals for all my funds. This also included moving XXXX {$3800.00} and XXXX {$2200.00} to XXXX. These withdrawals have still not gone through but were initiated before the withdrawal pause they put in place. I'm guessing I will receive a " You did not complete the identity verification '' or some other notification to swindle me. 

I took a big chance on this company even defending them during these XXXX issues and they promised in online threads that our money was safe. I would just like them to honor my withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been told I could not open an checking account because I have been a victim of Fraud or Scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IN
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:
We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXX l, 2023 to all XXXX credit bureaus requesting that the late payments be removed for XXXX mortgage loans ( second one was XXXX  ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
American Express has a feature called " Plan It '' by where they allow you to select certain charges and get a fixed monthly amount to pay. They offer a calculator to show you what you COULD get as a plan term. But no way to actually see what your plan would be based on the information they already have about your account. 

This calculator is deceptive. If someone goes in it and says they are going to make a {$4000.00} purchase and it shows only 24 months as an option and a monthly payment of {$160.00}, they may think that is reasonable for them to pay and go make the purchase. 

Then turn around to creating a plan, and that same person with no other changes to their account could only get offered a 3 month term to pay it off. Meaning {$1300.00} a month. That is far higher than they expected based on the calculator. 

American Express will vehemently defend this saying their calculator clearly says it is only for appearance and your actual terms will vary based on XXXX data. Which, is just a way for them to wiggle out of responsibility in being fair and transparent. They are luring people into making a purchase and then switching the options on them. This is a classic bait and switch scheme, no questions asked.

Company response to consumer: Closed with explanation