BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, After researching the Fair Credit Reporting act. The accounts I have listed below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
I told the XXXX, Transunion and XXXX to reinvestigate these accounts : 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 However they stated everything was complete and accurate, How is that POSSIBLE if the Open Dates, Last Activity Dates and time of payments are incorrect? According to 15 USC 1681i ( 5 ) they are required to modify accounts that isnt reporting correctly or accurately.

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 information is inaccurate.

They did not provide me with any original contracts with wet signatures for any of the above companies as well as the Forward Flow Agreements.

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 2021-04-21
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Ive applied for an Apple Card and its been rejected numerous times because of my identity. Ive submitted my ID card and have tried submitting the application with just my last name, with both last names, with first middle last and maiden name and theyve all been rejected for unable to verify identity. I called was told that Goldman Sachs is intrusively and without our permission going through our digital footprint. I feel Im being discriminated based on my gender. Im a transgender female and havent changed my legal name so obviously my digital footprint is all female which matches with my face on my ID but doesnt match with my legal name since I havent changed my legal name. I asked two representatives and they both just repeated themselves and said denials were based on my identity even though they used my social, name, and birthday to get me verified to speak with them. I dont see a valid reason for Goldman Sachs to deny me credit. I have good to excellent credit. So please review Goldman Sachs for this discrimination & for being intrusive with the amount of information theyre illegally taking from our phones without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the following accounts listed below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Here is the list of the accounts that has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX  Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX : US BANKRUPTCY COURTXXXX Reference Number : 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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX  XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for an apartment in XXXX, MD at the end of XX/XX/XXXX, by XX/XX/XXXX I had receive that I was denied due to " EVICTION RECORD MATCH '' via a tenant screening report provided by TRANSUNION LLC. This information is completely false as I had only ever been late on rent once back in XXXX but NEVER evicted or taken through eviction proceedings. I contacted TRANSUNION for information on where this came from and how to dispute it. I was told there was nothing I can do and that they could report this simply because there had ever been record of a landlord filing a court document against me, which is protocol if you are even a two days late, despite the outcome of said case not being eviction. 
As a result I have been unable to get approved for rental housing since and have resided in motels with XXXX small children and husband who is a XXXX XXXX XXXX veteran rated XXXX and XXXX  XXXX XXXX through the XXXX Our housing options were already slim and due to their negligence has been made near impossible.

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 2023-07-19
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 status incorrect

Complaint:
My TransUnion credit report and is reporting INACCURATE information about an account that has been PAID IN FULL and closed since XX/XX/. They are not reporting that the account was ever paid late but, are reporting inaccurate information instead. The inaccurate information is as follows : Account Rating - DEROGATORY Creditor Remarks- DISMISSED This account was PAID IN FULL XX/XX/XXXX  and the funds were drafted from my account on XX/XX/XXXX XXXX XXXX This account was never paid late and was paid in accordance with my contract with XXXX XXXX. The remarks are not ACCURATE! The remarks are not clear and make no sense for this account. TransUnion stated on my most recent credit report that their last verification was done on XX/XX/. I've attempted to dispute this with TransUnion to have these negative false remarks removed. TranUnion has failed to remove them, as it is still being reported. This has impacted the way that I have been granted credit because of the derogatory remark on the part of TransUnion.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 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 2023-07-04
Company: EQUIFAX, INC.
State: NJ
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: AL
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:
A fraudulent account was opened with XXXX XXXXXXXX XXXX 
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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 2021-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Under threat and intimidation from a so-called XXXX technician, my wife and I purchased {$6600.00} XXXX XXXX and XXXX cards and a wire transfer of {$5000.00}. On XX/XX/XXXX. 
Received 3 notifications ( 2 are included ) that no errors occurred. That was it.

Unable to call directly for follow-up with personal accounts have to go through a long process for them to call you back. Still waiting. 
My business account was also involved but there was an 800 number to reach and talked to a fraud representative. They help business clients right away but not personal clients. Citizens Bank bias behavior. 
Have information who the scammer was and on one appears to want to follow up to help stop these type of incidents from XXXX including the local police and Citizens bank Citizens XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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:
In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

I requested that XXXX, XXXX as well as Experian to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 

15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate.

Lastly, they are not in compliance with Metro 2 Credit Reporting

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: R & B Corporation of Virginia
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting XXXX  Account # 's XXXX XXXX XXXX Credit Control Corp XXXX XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a XXXX XXXXXXXX working in the XXXX XXXX. A few fraud accounts appeared against me during a recent required security clearance check. After I contacted Midland Credit management to let then know I never had opened an account with then or XXXX bank, they hung up on me. Then they began calling my father over and over and demanded he pay the bill! I have called them over and over from here in XXXX and they hang up on me every time and say they can't talk to somebody outside of the XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
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: 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 XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  XXXX  XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
XX/XX/XXXX there were 3 credit inquiries on my credit report that I did not authorize Bank of America XXXX XXXX XXXX XXXX XXXX A new credit card application was denied by XXXX ( XXXX XXXX XXXX ) I did not try to open this new account

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 2021-04-21
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:
In XX/XX/XXXX I noticed fraudulent accounts on my credit report and proceeded the identity theft dispute process by providing all necessary documentation including FTC and police reports. As of XX/XX/XXXX all items in questions were removed from report as they were verified to be fraud. On my credit report for XX/XX/XXXX I noticed a XXXX XXXX credit card that was previously removed was added back to report. I proceeded to dispute again on XX/XX/XXXX and XX/XX/XXXX. I called in the disputes as well and Experian and XXXX informed me that there was nothing they could do to help even though they could see that it was previously removed due to fraud. This has caused an indescribable amount of stress and hinderance in allowing me to qualify for credit because of this account dragging my score down over 50 points.

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 2023-10-02
Company: Chime Financial Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I contacted chime at XXXX. A male voice stated " thank for calling chime, how can I help you ''? I stated " I would like to discuss my direct deposit because I don't see and employer verified it was deposited to my account. '' The male who presented himself as Chime customer support agent stated. " Can I have your first, last name and last XXXX digits of your social security. '' I provided the information. He said " is it OK if I place you hold? '' I said " that's fine. '' I was placed on hold, when male returned he stated " oh, I see the problem your not connected to the server. '' He then stated " I'm going to have to go into goggle play store so I can reconnect you to the server, then you'll have full access again. '' I followed his directions, next thing I know I could see a cursor moving around, then I saw him typing in email addresses. When I said " why are you doing that He hung up on me. I went back to my recent call log to redial chime It provided me with XXXX XXXX XXXX XXXX and the chime number was gone. I had someone else to dial chime and I reported what happen. I was informed that my account was hacked and someone took control of my phone. I was informed I would get an provisional credit on XX/XX/2023. Something told me to call chime, due dispute stauts was now missing from chime app. I was told my claim was denied in less than 24 hours. I've filed 2-3 rebuttals, I provided a written statement, the email addresses that showed where the money went, a police report number, police officer name and badge number. A screen shot of the chime app page showing the email addresses. With each claim a decision was made in less than 24 hours. After speaking with 2 separate dispute supervisor 's who informed me that it was definitely fraudulent what took place. They assured me I would have my money returned. However, my claim continues to be denied.

Company response to consumer: Closed with explanation