BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported that I was 30-59 days late on my account. This is impossible because I set up auto-pay through their website. In XXXX of 2019, their system made a mistake and withdrew two payments from my bank account. One on the XX/XX/XXXX and the other on the XX/XX/XXXX. I only authorized one payment. When I called, the rep told me that their system made a mistake and they would credit my account. In XXXX of 2019, their system made the same mistake and withdrew two payments again from my bank account. One on theXX/XX/XXXX and the other on the XXXX of XXXX. I only authorized one payment. I called and the rep apologized again and said they would credit my account. This time the rep said they were going to cancel the autopay and asked me to set it up again. So later that day I set up the autopay. I noticed earlier this month that my account was late when checking my credit report. I called XXXX and they told me I needed to make a payment because I was late. I asked them how if I set up autopay. They told me to visit a branch. I went into a branch and made two payments, which they said I was late. Once again I asked how if I set up autopay. They told me I entered the wrong bank account number. This is impossible because I entered the same bank account that they withdrew the 4 payments out of ( 2 of which were unauthorized ). I explained to them that their system must have a made a mistake, since I experienced issues in the past. They said no I was wrong and that their system doesn't make mistakes, even though it did in the past. I never received a phone call, voicemail, or letter in the mail notifying of an issue with my account. When I asked them why, they said they did call. I asked them which number did they call and they gave me a number that has never been associated with me. I explained to them that this wasn't fair and I shouldn't be punished because of their system error. They told me oh well and their is nothing I can do about it.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2022-12-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Many years ago, XXXX, I had an account at the XXXX XXXX XXXX  in XXXX, New York, which has been dormant since that time. 
That Bank no longer exists and I have no idea who took them over, how much was left in that account, or where those funds are now. 
Can you help me recover those funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Public record information inaccurate

Complaint:
I have been a major victim of identity theft and my personal information was compromised to a point beyond restoration. Recently, when I conducted a credit check I discovered that there are bankruptcies reporting on my credit report that were filed in the year of 2019. I never filed for a bankruptcy therefore, when I contacted the credit bureau to dispute the public records information inaccuracies they told me to contact the public records office of XXXX. I contact XXXX and I informed their offices of the fraud and they conducted their investigation and concluded that the information were fraudulent and removed the fraudulent bankruptcies from my credit report. However, the credit reporting companies have not removed anything from the report despite the public records investigation that deemed the information as fraud. I request that the credit reporting companies remove the fraudulent and inaccurate information from the credit report because these bankruptcies were filed fraudulently and I will provide the documents with this report regarding this matter. I was able to obtain the documents from the court of bankruptcy and from the very first page it implicates the fraud in this matter.

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 2022-06-19
Company: EQUIFAX, INC.
State: AZ
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:
Hi I recently went and applied for a car at a XXXX dealership but when ever they ran my credit they hit me with a BUNCH of Hard Inquiries : 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 CO * XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * ON-SITE XXXX XXXX * XXXX XXXX  XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX, XXXX XXXX * XXXX AUTO SALES LL XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was placed on an account as an authorized user and removed by the primary user. The credit card company is trying to report this as my charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: VT
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:
Experian Dispute was opened on XX/XX/XXXX with claims of inaccurate information on account credit report under XXXX XXXX XXXX. The original account, which was sold to XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX contacted the account holder and the account was settled on XX/XX/XXXX. XXXX XXXX XXXX did not properly report to XXXX XXXX XXXX and/or the Credit Bureau Reporting Agencies that the account was taken over by XXXX XXXX XXXX and settled with the customer XX/XX/XXXX. 

The results from XXXX XXXX through the Experian dispute came back with results allowing XXXX XXXX to add a " FAILED TO PAY '' mark on the XX/XX/XXXX month of the XXXX XXXX Experian account that was closed on XX/XX/XXXX and settled by XXXX XXXX XX/XX/XXXX. 

FALSE REPORTING A dispute against the result from Experian, came back with no results. Report number XXXX. 
A complaint was submitted to CFPB against both XXXX XXXX and XXXX XXXX. Complaint ID XXXX. 

CFPB Complaint ID # XXXX resulted with no results from XXXX XXXX and a letter from XXXX XXXX stating that they reported to all three agengies to remove the collection tradeline for the consumers account number associated with XXXX XXXX. Please review all documents that have been uploaded with this dispute.

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 2022-06-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX  and 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 non-monetary relief
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I disputed accounts with XXXX, XXXX, and Transunion. They have not preformed an investigation to validate the accounts. I also sent the credit bureaus a letter from the creditor stating that they did not report the fraudulent information to the credit bureau. Please assist me with this issue. This account is harming me from finding a home for me and my children.

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 2019-07-29
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: Old information reappears or never goes away

Complaint:
I went to XXXX XXXX XXXX in XXXX California from XXXX to XXXX. The location closed. My original loan was through XXXX XXXX, then XXXX and now Department of Education. I am now an income-based repayment plan which is been very low or zero and so Ive now I have accrued over {$20000.00} in interest in the last XXXX years. I didnt start making more than my loan until XXXX! 

Even the Department of Education is giving awesome repayment plans but it just keeps the interest stacking up. So I have got to pay it for 20 plus+ years before I get forgiveness unless I work for a nonprofit.

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 2021-06-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I opened a Coinbase.com account and I was able to buy some coins but they put {$15000.00} of my money in a default Portfolio and every time I try to buy coins even if its {$10.00} it says " Insufficient funds '' I am XXXX years old, a senior citizen, and have already asked them to help with this but no answer. This have been going on for some time now. 

My email is XXXX Please get involved because I have read online that the same thing is happening to others I thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On Today, XX/XX/2019 I got an update that XXXX XXXX Debt Collection Agency had placed a collection on my credit reports. This is first and foremost a violation by this company because someone called not even a month ago and I asked would this be placed on my credit and they stated no. So, I would like that last call pulled. 

Also, a few months ago. This company took money off my credit card after an automatic payment was cancelled. They even initiated the payment days earlier than the automatic payment. This is illegal and downright wrong! I would also like these calls pulled by this company as well. 

This company is in many violations and for the credit bureaus not to fact check but only go by what these companies do, I am disheartened to find this information out. I am disappointed in the credit bureaus and 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 2023-02-07
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I attempted to transfer {$200.00} to my pastor 's Venmo account for handling memorial svc for my father. My acct was frozen and no explanation given. After several email exchanges with Venmo reps who stated they'd escalate issue, acct is still frozen. On or near XX/XX/XXXX I provided photo of driver license and selfie holding it as requested in Venmo email. Acct is still frozen with no reason provided. 
On XX/XX/XXXX I advised them via email that unless my {$200.00} was refunded/returned via bank acct in my Venmo profile or mailed to physical address in my Venmo profile, I would be contacting an atty. Still no reply other than an automated email asking how their email correspondence is rated by me. Still no reason provided for holding my funds. 
I'll never use their svcs again so they can shut my acct down - only after all my personal info is deleted from their database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On saturday XX/XX/2019 at XXXX i opened the capitol one app in a hurry because i realized i had forgotten to pay schedule a payment. Then realizing it was saturday i relaxed. Because federal law dictates that if a payment due date falls on the weekend it defaults to the following monday. I went ahead and made a XXXX payment right then and there then made another payment for XXXX the follwing day. Sunday. Today, monday XX/XX/2019 i called capitol one to tell them that the payment violated federal law, actually twice. Because the law also says a late payment cant exceed XXXX dollars. Yet there system is apprently designed to automatically break federal laws. When i called i was immediately transfered to supervisor XXXX in XXXX florida. She proceeded to pretend and even tell me that this law does not exist. Well now im filing a complaint to get my late payment fee removed. And hopefully make capitol one fix its system that automatically breaks federal law and hopefully get refunds for their millions of customers who were unlawfully charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/2013 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2013 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/2013.

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 2022-12-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On or about XX/XX/2022 ordered two balance transfers via my wife XXXXXXXX XXXX Discover XXXX ' card ( account ending in XXXX ). Balances being transferred from two different XXXX XXXX credit card accounts in husband XXXX XXXXXXXX XXXX  name ( account ending in XXXX for XXXX and account ending in XXXX for XXXX ). Total balances including balance transfer fees posted to Discover XXXX ' account statement XXXX or XXXX. Checking XXXX XXXX accounts found one had been credited for XXXX, the other not credited. On XXXX XXXX checked again, second balance still not credited, contacted Discover. The XXXX which was to be transferred from XXXXXXXX XXXX account ending XXXX was instead transferred from a completely unrelated account whose user is unknown to me ending in XXXX XXXX XXXX. Contacted Discover, must wait 8 days to investigate per their policy. They recommended we contact XXXX XXXX who said there was nothing which they could or would do to help. To sum up, we are now, rather than moving a balance to a 0 % XXXX Discover account, looking at twice that sum, one on Discover and one on XXXX XXXX. This must not stand and noone other than we seem motivated to act. HELP!! 
XXXX and XXXX XXXX, XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-04-19
Company: Medical Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Medical Financial Services , Inc for committing identity theft. I have never given Medical Financial Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Medical Financial Services before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Medical Financial Services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Medical Financial Services Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Medical Financial Services Inc continues its collection efforts, I will file for litigation for actual damages caused and Medical Financial Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation