BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello my Name is XXXX XXXX XXXX & 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- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX 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 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 rep
ort 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. 

Do to these inaccuracies I am behind on several projects due to not being able to refinance my home or get approved for any type of loans pls 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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. 
XXXX  XXXX XXXX Balance : {$750.00}

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$44000.00} ; XXXX XXXXXXXX Balance Owed : {$44000.00}.

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 2023-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I really can't understand why Bank of America is getting away with crimes on my account, I have giving you all the proof of everything and Im still suffering from this bank fausifly my account.and they continue to lie about everything and anything This bank took my claim I filed for {$37000.00} XXXX and placed it to my account in the negative two hours after I filed. And took money to paid it back from claims that had nothing to do with that and claims they made up to make it even over the period of 11 months. I filed it because while I was in the hospital for 15 days the claim to have placed it to my account while I was in the hospital and claimed that someone spent it all in 15 days. I sent them police report and nine more pages of evidence. When getting my statements I also received my evidence back but this was not my paperwork I sent to them .I was told to place my name, b.d and claim numbers on the top of each page. But as they were going to there CCMS documents someone sent them to me instead. They whited out my claim numbers on each page, they backed out my S.S number and b.d on each page, and fraud my signature. And my bank statements were fraud by adding more dates to my statements and I have four different statements and none. Of them matches up.They never place XXXX to my account but they committed at least 9 felonies on my account to make it Look that way.

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 monetary relief
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$68000.00} XXXX  XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5400.00} XXXX XXXXXXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$6700.00}

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 2023-09-09
Company: Atlanticus Services Corporation
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I didnt give my permission for this company to report my personal information to any reporting agency or person and they are in violation of my privacy rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Total Card, Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on my XXXX credit report XXXX XXXX XXXX XXXX total XXXX  card shows charged off account when i called them they have no records of me having this account they will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Dave Operating, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
My card was charged twice for XXXXXXXX XXXX and {$10.00}. These charges were not me and I have tried contacting them and disputing but its been almost two weeks ... Dave XXXX  has failed to get back in touch with me ... Customer XXXX phone line never works ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: CA
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:
Statement Supporting my Appeal to the Denial of my Fraud Claims with Citibank XX/XX/XXXX XXXX ) I am a signatory on the Citibank checking account on which this fraud occurred and the person initiating this fraud claim appeal. 

XXXX ) I have a checking account with Citibank , N.A . located at XXXX and XXXX in XXXX XXXX, California. 

XXXX ) On XX/XX/XXXX I wrote a check to XXXX ( a XXXX man operation ) for {$19000.00}, dated XX/XX/XXXX for the purchase of equipment and materials by this XXXX for the purpose of installing a new heating and air conditioning system at my residence. 

XXXX ) Because XXXX requested another form of payment, the check was voided by the printing of the word VOID across the entire face of the check in large, clear, handwritten print ( A copy of this voided check, entitled Exhibit A is attached to this document ) XXXX ) Apparently XXXX, who gained possession of this check which was clearly voided, was able to fraudulently apparently cash it at a Citibank branch on XXXX XXXX without my knowledge, consent or approval, and totally against my wishes. 

XXXX ) I didnt discover this fraud had taken place until XX/XX/XXXX. That very same day I filed a fraud claim with Citibank. The Citibank form I completed was entitled Statement of Unauthorized Use in cases of Forgery, Alteration, Counterfeit or Unauthorized Remotely Create Check. 

XXXX ) My initial claims and appeals with Citibank were denied. In this document I am appealing all previous denials with additional documentation to support my claim of fraud. This appeal now includes the following documents : ( A ) This document detailing all the circumstances surround the fraud ( B ) A copy of the initial fraud claim I filed with Citibank ( C ) A copy of the voided and cashed check ( D ) A copy of the police report I filed ( E ) A copy of complaint I filed with Consumer Financial Protection Bureau 10 ) As a professional banking institution, when Citibank cashed this voided check, it breached its legal duty to exercise ordinary reasonable care in the handling of the check and is now liable for its unprofessional and negligent actions. 

XXXX ) Citibank is therefore now legally responsible to compensate me for my loss caused by its actions by restoring the money I lost when it negligently cashed the voided check : {$19000.00} XXXX ) This document is intended as a formal appeal to all previous denials of my claims and appeals regarding 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 explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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
Consumer complaint received 2023-09-09
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Several credit card accounts have been opened, closed, placed in collections and acquired debt without my knowledge whatsoever. I am in the process of disputing everything in order for my credit to be repaired and restored. I have had some removed but I was told to continue by going through this process in order to prove my innocence. I'm looking to have this done as fast as possible, being that it is directly impacting my livelihood. As of XXXX, I have filed multiple disputes with credit card bureaus but I can not keep up with it all so I'm looking to take this step and receive some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Personal information incorrect

Complaint:
I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX 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 explanation
Consumer complaint received 2023-09-08
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had transferred from my personal checkings {$200.00} then XXXX XXXXnow I was told that the {$200.00} would be available in five days..While waiting for that transfer I transferred {$300.00}. They made {$200.00} available amount I believed was the original {$200.00}. And on the XX/XX/XXXX I should have had {$300.00} additional. instead they debited the {$200.00} then the remaining {$170.00}. I was told someone withdrew the {$200.00}. I did not withdrew any money. I am in XXXX I was told this took place in XXXX XXXXXXXX XXXX I told them I am at address associated with my account and I have not been in XXXX XXXX since XX/XX/XXXX. I was told they would investigate..and now I looked at my account and they sold the remaining of my stocks.without my authorization as to close my investment account at Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number : XXXX, Case Number : XXXX ( See attached Supporting Document # 1 ), I discovered three inquiries from XXXX XXXX  XXXX that I did NOT initiate or authorize. This unauthorized access to my LexisNexis Consumer Disclosure Report is very concerning. As noted in the Consumer Statements, Freeze, Alert Activity section of my LexisNexis Consumer Disclosure Report dated XX/XX/2023, I have an ACTIVE Security Freeze and an ACTIVE Security Fraud Alert on my file, therefore, LexisNexis should never have released my information to any entity without my authorization or consent. Additionally, on XX/XX/2023, my Opt-Out and Information Suppression requests were APPROVED, therefore, LexisNexis should never have released my information to any entity without my authorization or consent. The release of my LexisNexis Consumer Disclosure Report without my authorization or consent is a very serious violation of the federal Fair Credit Reporting Act ( FCRA ). This action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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: Account status incorrect

Complaint:
" I settled the account, and it was removed from other credit reporting scores, but it has not been removed from my TransUnion score yet and also my XXXX score. Before I opened a new policy with XXXX XXXX XXXX, I paid off the remaining balance of {$120.00}. I chose XXXX because I believe they have my best interests in terms of insurance. Additionally, I have already paid my first month 's bill. ''

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 2023-09-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian continues to report inaccurate information. The account listed as XXXX XXXX XXXX XXXX has been discharged and is now considered income per the IRS publication and can not be reported. 

This account must be deleted immediately. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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