BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: CITIBANK, N.A.
State: WY
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 have tried on several occasions to dispute a debt with Bloomingdales/XXXX that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email. I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX has failed to validate this account to be mines which is a violation of Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Cre Fair dit Billing Act, 15 U.S.C. 1666.

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 2020-06-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, A month ago, I decided to open a new PayPal account to receive payments from my friends, or sometimes for my small digital sellings, since I rarely sold stuff, I didn't wan na make a business account, a week later, after receiving some credit from friends, PayPal has decided to limit my account. 
Me, as a legit person, have decided to provide my bank statements, ID card, Passport, and even most of the information asked, unfortunately, there was a technical issue, and whenever I clicked on confirm identity an error message popped, I decided to make many phone calls every day in order to solve the problem and provide the one left documents needed, I emailed you and messaged you multiple times hoping for support, unfortunately, I haven't received ANY response, I decided to message support via XXXX, still no response, then finally I went on XXXX, and after messaging from both of my accounts and after A WEEK, I got finally a response, they all promised the same thing until today I kept asking via dm to look through my account to see where is the problem, unfortunately, I received an email saying my account got PERMANENTLY limited, without stating the reason why, apparently I haven't done ANYTHING wrong, I have always been a great user, never did anything bad. 
Today after permanently limiting my account, I have 70+ dollars in hold for 180 days, I am still a student and I need that money in order to buy groceries and stuff, I've been very patient and they were all rude and never answer phone calls or help, they just say the same things, while contacting them again they said they can't help. 
Please try and help me solve this issue. 
I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 
Thank you. 
My PayPal email : XXXX My PayPal Reference ID : XXXX Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX XXXX XXXX  XXXX XXXX  adds a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX  has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states
: no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than record of conviction 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A capitol one XXXX savings account was opened under my name and ssn fraudulently. I contacted them regarding having the account frozen and closed and to report the fraud. I was supposed to receive a call with the department to rectify this and I have not. I have never had any accounts with Capitol One nor am I trying to open any new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
My name is 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.

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 2020-12-23
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:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this account with someone that has a similar name as 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 2023-06-02
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Mountain America credit union I had {$1000.00} visa it was almost maxed out. It was at {$980.00}. They allowed somebody who called in to pay the {$980.00}. They then allowed that same person to transfer {$990.00} from my XXXX to my checking account And take the money out of my checking account XXXX different times the person, then canceled all of the payments to my credit card and employee. Mountain America Credit Union told me that it was a man that knew all of my security codes. All of my security words, my password and everything, but he had a heavy accent, when I complained to Mountain America Credit Union about it, they said that they could do nothing for me other than get me a loan to pay the debt off. I refused, and they said that they would take me to court. I agreed to take the loan if they could get me the payment where I could afford it They ended up getting a payment that was double the amount I can afford, sued me and got a judgment against me for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Havent seen my credit since XXXX of XXXX I call the bureaus trans union XXXX and XXXX and nothing is 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 explanation
Consumer complaint received 2022-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
There was a Bank of America credit card opened in my name on 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 2023-04-13
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct the status of the account below : 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 explanation
Consumer complaint received 2022-10-17
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was a first time homebuyer in XXXX of XXXX. I received my first property tax bill on XX/XX/XXXX in the mail. Not knowing my mortgage company was paying this tax bill ( since I didn't remember about my escrow account ) I paid the XXXX XXXX XXXX XXXX XXXX XXXX bill the same day I received it in the mail. 

I submitted payment for this tax bill on the county website in the amount of {$2000.00} and received the payment confirmation via email ( attached to this complaint ) showing the amount went through and came out of my account. 

The mortgage company then submitted the tax payment in the amount of {$2000.00} to the county and received their money back as the county had already processed my payment. I have had 3 phone calls with the mortgage company XXXX Freedom Mortgage ) to resolve this issue in receiving my tax payment back to my name in the form of check, or even a one-time balance paid to my mortgage principal. 

All phone calls have led to them stating there is not a positive balance in my escrow account to pay me back ... That is because after the initial payment they made was refunded to them, they didn't refund my account. Nor did the reach out to send me my tax payment that I personally paid. 

They are refusing to handle this issue in the proper form of normal customer service. As a consumer of their product ( not by choice as my mortgage was purchased by them in XXXX of XXXX ) I feel they are holding my money that they were supposed to pay to their personal benefit.

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 2022-09-14
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act : : XXXX XXXX INQUIRY DATE XX/XX/2020, XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX US DEPT ED acct # XXXXXXXX XXXX XXXX US DEPT ED acct # XXXXXXXX XXXX XXXX DEPTEDXXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXXXXXX XXXX, DEPTEDXXXX acct # XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/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 2020-11-05
Company: Experian Information Solutions 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:
There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

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 2023-09-26
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: Information belongs to someone else

Complaint:
COMPANY IS PAST 45 DAYS WITHOUT VALIDATION MY CONSUMER 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$27000.00}.

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 2023-01-13
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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated and corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected accordingly : XXXX XXXX XXXX XXXXXXXX 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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

These are fraudulent inquires on my credit report. I never gave permission, or even knew about any of these inquiries.

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 2023-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a breach to my CC, and alterations were made to my payment schedule/amount back in XX/XX/2020. As well there were many fraudulent changes made. 

I noticed months later and contacted Chase Fraud about the issue. They then refunded some, but not all, of the fraudulent charges. They did not refund the interest and fees. 

I took numerous calls from Chase debt collectors and explained the situation, as well I kept making monthly payments. 

I made numerous calls to Chase Fraud, and charges were not reversed. I made calls for settlement in a final payment, and during that process Chase would hang up on me. 

After a considerable amount of time. I decided to make this complaint. 

Chase has since charged me over {$5500.00} in fees and interest. 

Note : Prior to this issue, I had been paying the card off in full every month for a long period of time, years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: FL
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  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation