BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: BAM Management US Holdings Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi Good evening, my name is XXXX XXXX and I'm having issue with ( Binance.US ) I have a account with Binance.US for a long time and ever since then I have never break any of there rules and just last week ( XXXX, XXXX ) I added a funds from my XXXX  account in my name to my Binance.US account via ACH transfer and was successfully and the money got into my binance and I uses it to purchase a XXXX ASSET. Then and again about XXXX ago I try another {$700.00} ACH from my XXXX to Binance.US and I think XXXX reject that transaction thinking someone might be using my account without my consent and I think the ach was rejected by my bank and charges back occur with Binance.US and they locked me out of my account and I try to get a hold of customer service representative and they told me I need to make a selfie video of myself holding my driver 's license and also to recites some words that I made the transfer and all activities on my binance which I did just what they want and uploaded the video to them and also which I confirmed my location of login and the phone and XXXX XXXX  laptop I login with in the past 3 months, Just this morning after all this, they get back to me and tell me they will not allow me to uses the Binance.US services anymore and they won't be able to disclosed the reasons why and I'm having a sum of {$4900.00} on my account and now they are not replying me anymore and I'm thinking they wanted to play smart on me and stoled my funds because I'm yet to understand why they will denied me access to my assets even after providing the information they want. Please I need help because that money is my savings and now Binance.US wanted to rob me... Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There is a business credit card with Chase ( it was a XXXX, then Chase converted it to a XXXX despite the company 's objections ). Several times a few years ago, Chase confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told Chase about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from XX/XX/2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Public record information inaccurate

Complaint:
Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable. 

I want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. 

I expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Just thinking of the days, weeks, and months that Ive been struggling to make you understand that the items are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Experian. I already contacted the bank and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file. Dont you feel bothered by what youre doing? You are damaging my credit file for this! Again, I am attaching my FTC report along with the recent dispute letter I sent for you to review and finally consider deleting this damaging information from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-05-02
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:
For now, I believe there are still accounts with my file that need to be updated. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}

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 2022-04-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: CO
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 have tried multiple times to get Equifax to remove XXXX county Department of Child support. Despite my overwhelming proof that this account is fraudulent, and request for a proper thorough investigation, this account remains on my credit.The most recent version of this account on my credit is incomplete. It does not show the terms or the amount to be paid every month, along with the highest balance being {$0.00} ( zero ). Why is there an account with highest balance of {$0.00} showing that I've made 96 % of the payment on not only still on my credit but impacting my credit negatively. All I asked for was for multiple times is that Equifax to do a proper investigation and provide me with the methods used to verify this account. I have been doing this for years and have yet to receive any documentation of such. Years. This is ridiculous and a clear violation of FCRA. The credit system is flawed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late XXXX XXXX XXXX Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted all information regarding collection accounts and inquired as to why this is now a charge-off. Additionally, fraudulent collections through XXXX XXXX, which I have never used, and XXXX again, never used. This has negatively affected my credit and now have been denied access to 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
15usc 1681 law requires you to validate this account with a signed contract. futhermour i did not agree to have my non public information shared

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 2023-05-02
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX Balance : {$2500.00}XXXX XXXXA XXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX  ( Original XXXX : XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXXXXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had a dispute with Ally Financial  in XXXX regarding a consumer auto lease. The amounts were not collectible since they were not properly due and at this point, the limitations period for collections has long expired. Unknown to me, back in XXXX Ally filed Form 1099C with Internal Revenue alleging that I was responsible for forgiveness of indebtedness income, when in fact, the amounts were not reportable since they did not involve principal sums as required under Treas Reg 1.6050P-1 ( d ). When Ally filed with IRS, they failed to send a copy to me. I first became aware of the false filing in early XX/XX/XXXX and at that point, I sent Ally a letter requesting that they withdraw the filing. They ignored me.

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 2022-12-27
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 information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX I deposited my first paycheck into citi bank I spent {$15.00} to get home from bank and when I woke up the next morning my account was blocked when calling Citibank they stated they did not see any suspicious acitivity on my account and connected me to the fraud department when connected I was told my account was blocked for suspicious activity which this is a new account so it didnt make any sense I was told my account was referred for closing review up to 60 days I should receive a letter and my remaining funds in the account and was then hung up on disrespectfully it is now XX/XX/2022 pass the 60 day period and I am still getting the run around havent recieved any letter about my account nor the Remaining funds in the account this has put a big dip into my stability when I reached out last week I was told my letter was sent which I never recieved and once again was hung up on disrespectfully I need answers and a solution citi bank has done this to multiple clients with no explanations and refuse to give money back that rightfully is their own

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 2018-09-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX I reached out to XXXX to inform them that the account that they are reporting under my social is a result of identity theft. XXXX informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX for {$2400.00} is a closed account showing up on my credit report file. This is fraudulent and opened using my identity without my consent.

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 2021-05-17
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive been sending letters since 2018 to this collection agency and have not received anything I try to dispute it and have not heard back anything the collection agencies no reporting the information as valid I have no contract with this company no written signature or no validation of this that I dont know who this company is

Company response to consumer: Closed with explanation