BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information listed below in subsection A ( 1-3 ) is inaccurate : Sub-section A. 1. ) ACCOUNT XXXX XXXX Opened XXXX {$770.00} 2. ) XXXX XXXX XXXX Opened XXXX {$790.00} 3. ) XXXX XXXX XXXX Last reported XX/XX/XXXX  {$2700.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor

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 2023-08-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi! On Saturday XX/XX/XXXX I want to my branch in XXXX tx to deposit XXXX the atm took ALL the money but I still missing XXXX dollars. I told the lady in the bank and she told me to call. I called at the exact the same moment and did my claim. The guy in the phone made the claim for XXXX which is wrong. Cause I see some money in my count but Im missing XXXX. 
I already made XXXX phone complaints and both were denied. Im overseas now so I can not go in person again. 
The last time I called the customer service representative gang on me. 
I looked online and this same issue happened to many people before. 

The deposit was inside the bank in business hours. 
Im honestly can not understand how the case refused to give my money back. 
FYI I have my accounts and credit cards for them for years. 

My credit score is XXXX. 

The bank should have cameras that should the ATM returned bills to me twice and I put everything inside again. 
When the day finishes it must be XXXX dollars extra that they are mine. 

Please help me with these cause I really need the money. 
I tried exposing them un XXXX too but since I dont have many followers it didnt work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Kikoff Inc.
State: MD
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 always had a credit builder account with kikoff, I never had a loan installment. When I used to get notifications from them, I thought it was for my credit builder account. They I got an email saying my installment loan was closed! I emailed them immediately and let them know that I never opened a credit loan account for XXXX! Thats insane. They refused to help me. I cant talk to a human on the phone. I have emailed them several times stating that I never opened a credit line with them and they refuse to help me. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I HAVE BEEN THE VICTIM OF IDENTITY THEFT AND EQUIFAX REFUSES TO OFFER ANY RESOLUTION WITH CORRECTING MY NAME AND ADDRESS TO MATCH MY DOCUMENTS AFTER SENDING IN MY LICENSE, BANK STATEMENT, SS CARD ETC I SPOKE WITH A SUPERVISOR ON XX/XX/2023 AFTER AN EQUIFAX REP UPDATED MY INFO INACCURATELY ON XX/XX/2023 AND HE REFUSED TO OFFER ME ANY RESOLUTION - XXXX F Employee ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Flandreau Santee Sioux Tribe
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got 3 calls from a? Credit collection agency called XXXX. They were calling on behalf of VIP LOAN SHOP/XXXX XXXX XXXX. They have also called my husbands cell & my step sons cell phones twice after asking them to stop. They said I took out an online loan, had it sent to my bank, then closed my account so unless I pay them {$760.00} they will serve me papers for breech, worthless?, and defrauding a business and that will cost me {$1800.00}. I have not had a loan with them and never heard of them. I have been a victim of identity theft in the past and received notification that my personal information has been located on the XXXX web??? They also threatened to go to my employer with this information ( Ive been on XXXX for years ). There are different phone numbers they call from and different numbers to return their call with different names and claim numbers. I would like to file charges and collect {$1000.00} from them for each call they have made for harassing me and my family even after being told to stop. This is starting to affect my health!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently tried to correct a mistake with a credit bureaus, and have been been told, we updated, or its been verified. The bureaus suppose to be reporting thing correctly at all times. XXXX XXXX send a letter stating I wasnt late the last few months, and the bureaus stated it was verified correctly. Then XXXXXXXX XXXX, XXXX XXXX, XXXX, and XXXX are accounts that first were reported XXXX way then change to charge off. But if after charge off now being reported, the accounts have a balance included, or multiple months with charge off reported, Also, a new account with a student loan, I never had before and never applied too. Lastly, XXXX XXXX XXXX which was I was late XXXX months in a row, and now Im currently on time. I never been late, XXXX XXXX XXXX never sent me anything stating that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have used my wallet with CashApp before with no problem, but for the last two weeks I've got a severe issue. I opened an account with one of my emails, got funds from some of my clients and then tried to withdraw them. The transaction got rejected by my bank on XX/XX/XXXX as I was reported by CashApp. After  this event I haven't been able to recover my {$950.00} dollars. I tried to log in into my account but their platform cancelled my user name all of a sudden and I just lost track of my money. The platform made me open another account with the same email and, therefore, as the user was another one, I lost my money. I contacted the App 's support team, followed their instructions to link those two users into the last one created to recover my money, but on XX/XX/XXXX I just received a message from them telling me that after following their instructions and even asking for a Card from them, they blocked me and told me that they were not able to merge both users and that this decision was definite. Now they tell me that they can reverse the payments to my clients ( people that I don't know and which already have received their products ) so that I can ask them to send them back to me to my new account. As you can read this makes no sense at all. The support team has confused me, made follow futile steps and misinformed me, and I haven't been able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Convergent Resources, 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:
Paid a collection balance in full in agreement that the collection agency will remove and delete all reportings. The agency is still reporting a negative account after they were paid off.

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am absolutely certain that the items ( Chapter XXXX Bankruptcy -Case Number : XXXX and Chapter XXXX Bankruptcy - Case Number : XXXX ). Please remove these inaccurate items from my credit reports. I disputed as incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate how these items were verified. I would like to see a complete list of all documents and correspondence within. Please include all names and contact information of employees that you spoke to as a part of this investigation and verification. Your company continues to have a dismissed and filed Bankruptcy on my credit report, this is an unconfirmed and unverified dismissed bankruptcy stopping me from obtaining credit. I know your company receives public record information from the third party XXXX XXXX. The XXXX XXXX is inaccurate and incomplete. I am asking for this verification because my credit score is important to me, and I believe that it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record ( XXXX, TransUnion and XXXX  ). Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Very Respectfully

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 2022-11-14
Company: CITIBANK, N.A.
State: VA
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:
Received a denial to open a Citi Bank Credit card. I didn't apply. 


I've tried calling the company but I haven't been able to get through the phone tree.

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 2022-04-02
Company: Financial Credit Network Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I filed my taxes with XXXX XXXX and used the pay out of my refund option for the fees. My direct deposit date was XX/XX/XXXX. My bank rejected it. I called the bank a week later and confirmed they sent the money back. Because I paid the fees out of my refund, the refund was returned to XXXX XXXX tax group, XXXX. Every time you call its a different day as to when the check was printed or mailed. Well fast forward a month later and a whole lot of phone calls, the IRS traced the refund back to them. My check has yet to be mailed. Its been over a month and I still have nothing. This is fraud. They are trying to push into signing to get it reissued to cover there own butts, and its ridiculous that I have to pay for my own money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
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: Investigation took more than 30 days

Complaint:
I recently filed a dispute with Experian because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the Experian report number is XXXX please help me get this item removed from my credit report.

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 2023-08-01
Company: EQUIFAX, INC.
State: MN
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 

10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: MI
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 filed a dispute with Experian on or around XXXX XX/XX/2022. The dispute was regarding an account with XXXX. The date the dispute was allegedly processed was XXXX XX/XX/2022. Miraculously, the results of that dispute were processed on XXXX XX/XX/2022. In looking at the notes from the Experian specialist, all it says is " CFPB Complait XXXX. '' Experian was provided with XXXX XXXX  ( XXXX ) pages worth of documentation. That documentation is supposed to be reviewed by the specialist, transmitted with wth the XXXX code to the data furnisher, be reviewed by the data-furnisher, be transmitted back to Experian, and reviewed by a specialist before the information is updated. That did not happen. In fact, the before and after snapshots of the account/trade-line do not show a change in any consumer data. Yet, Experian insists the credit file was " updated ''. In all likelihood, the extent with which Experian actually conducted an investigation was to request an auomatic update of information from the data-furnisher, rather than selecting the appropriate XXXX code such that an individual with the data-furnisher could manully review the information. Of note is the the supplied documentation was generated by the data-furnisher itself, which would warrant a manual review under Experian 's XXXX. At this point, Experian is engaging in deceptive business practices, claiming disputes are investigated, showing the progression of a dispute through the investigatory process, and claiming that the consumer dispute and data-furnisher responses are reviewed. Clearly, that's not happening. What this means is Experian is failing to meet their obligations under the FCRA. In my case, they contine to harbor information in my credit files that based upon the documentation they know, or should know, 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The Loans XXXX, formerly known as XXXX XXXX XXXX XXXX CFPB sued them Case 3:17-cv-00101-RDM Filed XX/XX/XXXX, for the deceit practices. There are 3 loans associated with my credit file f these actions taken these loans were not afforded the relief provided. As a servicer of student loans, XXXX XXXX routinely furnishes information about its student loan accounts to consumer reporting agencies. 
They have begun to re-age these loans showing in inaccuracies of XX/XX/XXXX day delinquencies and irreparable harm to my credit file and score. These loans were open dates per credit report of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a of last payment XX/XX/XXXX with a worth pay status unknown but has charge/off and last reported to CRA XX/XX/XXXX XXXX 
The Fair Debt Collection Practices Act prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. 190. As described above, on information and belief, XXXX made false, deceptive, and misleading representations to borrowers that all of their collection fees related to the federal loan rehabilitation program would be forgiven by the U.S. Department of Education or that the exact amount of collection fees currently assessed to the account would be forgiven. XXXX. Therefore, XXXX, acting together with or on behalf of XXXX XXXX, violated the Fair Debt Collection Practices Act. 15 U.S.C. 1692e, 1692e ( 10 ).

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 2023-03-03
Company: Experian Information Solutions 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:
I dispute 3 bankruptcies on my credit with XXXX in Experian on XX/XX/2023 asking them to verify these bankruptcies they never sent me any information with my signature on it I ask them to please provide me with paperwork they never did this has been an ongoing battle with them about this matter I have sent them in documents from the bankruptcies court saying they didn't verify this debt

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