BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I dont know where to put myself by this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Transunion doesnt have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX, physically & financially... and I would truly not what to pursue a legal remedy... 

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 2021-11-29
Company: EQUIFAX, INC.
State: VA
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 sent in a dispute dated XX/XX/2021 I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Equifax still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquiries from my consumer report. I understand that Equifax has assumed the role that they have but them disregarding me and my disputes and not following the rules of congress is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per congress guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Equifax is attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report Equifax also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Equifax did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which congress has drawn out, i have attempted to fix this directly with Equifax and i have been disregard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: DE
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 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Netspend Corporation
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card and my identity with all my private information was stolen and used to make several unauthorized ATM withdrawals and unauthorized Transactions during a 30 day span from XX/XX/XXXX thru XX/XX/XXXX starting with ATM withdrawal amount of {$62.00} {$2.00} another in amount of {$82.00} {$1.00} {$2.00} another in amount of {$2.00} {$1.00} {$1.00} XXXX {$1.00} another in the amount of {$42.00} {$1.00} {$1.00} {$1.00} another in amount of {$200.00} {$2.00} {$1.00} and another in amount of {$62.00} {$2.00} then there were merchant purchases on XX/XX/XXXX at XXXX XXXX XXXX in the amount of {$9.00} a disputed transaction at XXXX 's on XX/XX/XXXX amount of {$5.00} unauthorized transactions on XX/XX/XXXX at XXXX XXXX amount of {$8.00} XX/XX/XXXX at XXXX XXXX amount of {$10.00} XX/XX/XXXX at XXXX  amount of {$8.00} again XX/XX/XXXX {$6.00} XX/XX/XXXX amount of {$13.00} and again XX/XX/XXXX amount of {$5.00} XX/XX/XXXX at XXXX XXXXr amount of {$63.00} XX/XX/XXXX XXXX XXXX XXXX XXXX amount of {$6.00} and {$7.00} XXXX XXXX   amount of {$38.00} {$2.00} XX/XX/XXXX {$11.00} and {$5.00} XX/XX/XXXX at XXXX 's amount of {$21.00} XX/XX/XXXX {$8.00} and XXXX amount of {$110.00} XX/XX/XXXX XXXX XXXX  amount of {$32.00}

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 explanation
Consumer complaint received 2020-04-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a list of fraudulent charges on my account I submitted every documentation that the bank asked for with no reveal i was then told the bank will not handle this to take action to recoup the 17 year old which is my daughter who was arrested for this matter. I also had another dispute in for a transaction that had nothing to do with my daughter who I found a recent police report It was also denied but I was told that they didnt have to give an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: AR
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 identity has been compromised. I found out because XXXX XXXX   sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX   XXXX {$5300.00} DEPT OF EDUCATION/XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER 13-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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 have tried several times to have Equifax to investigate inaccurate accounts on my credit file. USC 1681i ( a ) ( 5 ) states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Exeter Finance Corp.
State: IN
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:
on XX/XX/2023 I applied online for XXXX XXXX auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over 45 mins

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Greetings I bought a XXXX XXXX XXXX from equifax on the Equifax internet site in order to monitor my scores. On the last XX/XX/2020 they charge me {$19.00} for the month of service. Two days later on Tuesday XXXX, 2020 i received an Email saying that my product was cancel and if didnt request for that to call them. So i did call them asking why this happen. They never give me an explanation so they ask me to pay again {$19.00} and say they will give a refund for the first {$19.00} dollars. After that this happens again and they said they will give me another refund but i needed to pay a 3rth time {$19.00}. That same problem happens one more times within a week and a half. I Has pay four times {$19.00} And now they dont want to give me the last two payments i made and if i want the service to pay another 5th time. This product cancel by itself i dont know why. I wanted the product but is incredible that Equifax has this problem with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done an ounce of business with this company and they put a collection on my credit report! 

I had a medical bill for {$140.00}. I tried to work with XXXX to resolve the billing issue but they never picked up their phone or responded to my letter. I was under the impression my insurance would be covering the bill. This got me no where IN THE MIDDLE OF A PANDEMIC. 

I applied for credit about a year later and was denied. This third party who I have never heard of put a collection account on my credit report. I paid the bill so they would take it off my credit report and I would work out the issue on my own with the insurance company. Instead, they left the account on my credit report. 

When I called the collection company, they told me they had called from a unknown number, didn't leave a voicemail, and they mailed me. I did not receive any of these calls or letters. They should have taken the insurance company to collections, not me. XXXX twisted my arm to pay a bill I do not owe by putting me in collections. If this item is not removed from my credit report, I will pursue further action. 

This item needs to be removed from my credit report immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent my daughter {$200.00} via Cash App because she was stranded in XXXX during COVID-19. Initially, it was flagged as fraud by my bank. The bank said to try it again in 5 minutes. I resent {$200.00} in 5 minutes, and Cash App deducted BOTH payments. However, my daughter never received the payments. I have screen shots of my XXXX account, showing they took both payments out, as well as a screen shot of my daughter 's Cash App transactions, that show she never received it. Cash App does not have a phone number, in fact due to COVID, the only way to contact them is through the investor link. The rep told me she received the money. Then he said to have her contact them. She contacted them, and they told her to have me contact them. They literally took their XXXX page down, so I suspect I am not the only one with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I attempted to pay my rent for my business office space ( {$1400.00} ) as  requested by my landlord, he specified that the had an account set up with Chase Pay with XXXX and provided me his company name. I went to the pay page on Chase.com ( as I am also a Chase customer ). There no instructions on the page or disclosures about how this worked, just a space for an Name, mobile number or email. I put in the information ; Name and email ; and it stated it was pending and would send notification. After 8 days it did not got through, and I assumed that it must be wrong information and was not able to be verified. Since I am in another state, on XX/XX/XXXX, I attempted to send again using the mobile number of my landlord and company name. The transfer stated completed immediately. I contacted my landlord on XX/XX/XXXX and mentioned that the funds had transferred and he informed he had not received the money. I logged into my account and upon closer inspection realized that I had erroneously entered his mobile number. I contacted Chase that day as the wrong number obviously is registered and they would have a way to track where they money went that was clearly intended by name to my landlord. Chase informed that they had no liability in this situation, this was a user error and they do nothing to verify account information ( name and phone/email match ). They also told me that they would try to recover the funds but they would not file a claim nor would they pursue using their resources to get the contact/account information of the account holder that was given the number. Chase Pay with XXXX markets itself as a " safe secure '' way to send money but does not provide any protection in the event of the money going to the wrong person. Clearly Chase also endorses this as a safe way to transfer and yet has no process for safety or security to ensure verification of an account by name. There should be some type of guarantee when using your own bank recommended way of transferring money that the money is not going to the wrong person or if the wrong person fraudulently accepts this money without their name on it, the bank will pursue getting the money back in the same way they would if someone cashed a check sent to another name but to their address. There is no way to contact XXXX and Chase has not attempted to do so for me in case the money has not even been delivered. Clearly we have the contact information for the person who received the money and they must have a registered account with XXXX in order to get the money sent to them so the tracking piece seems like it should be easy but Chase says I am just out of the money. 

Marketing as safe way to send money but no protection by your own bank No guarantee the money reaches the intended person 's account I do have copies of the transaction, amounts, numbers, recipient name etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
I have been trying to get errors on my credit report removed because it's a violation of my rights under the Fair Credit Reporting Act. Under 15 U.S. Code 1681s-2, a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. After providing factual information to the furnishers of my consumer report, they still haven't managed to correct the errors and I'm soon going to seek litigation. It has been well over 90 days since I filed my disputes. I even have a bankruptcy XXXX XXXX  that the courts I filed with stated they didn't authorize these said companies to report this information or even gain access to it. Under 15 U.S Code 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. I have late payments on credit card accounts that shouldn't be there. The creditors are also considering the accounts " verified '' because they are basing their disputes on the consumer system that has incorrect data reporting on my behalf that I don't authorize and won't check the proof of proper information I'm sending in. I demand these accounts to deleted 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 explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove the negative information you reported in my file. 
XXXX XXXXWY XXXX XXXX XXXXXXXX CO XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a Secured Master card through Citibank per their pre- approval process a couple of years ago with hopes of trying to build good credit. I had the card for some time and tried to get an unsecured card which they denied me for although I had recently gotten increases from other major card carriers. I maintained the secure XXXX as I didn't want to hurt my credit by closing the account. I fell on hard times during the pandemic and was making minimum payments on the secured card, staying on top of my payments.I received a letter in the mail stating Citibank had closed my account because my credit score decreased. I was in shock because it was my understanding that I couldn't get an unsecured cc due to my score. So not only had they closed my account that I sent them money for me to use to build credit, BUT, they charged me more fees AND are now reporting to the credit bureau 's negatively.

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 2020-04-08
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SYNCB/PAYPAL SMART CON is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the account does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft

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