BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
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:
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 ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX 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 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 2021-11-17
Company: Upgrade, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, I have a dispute with Upgrade.com regarding a pre authorization I made for a furniture order with XXXX XXXX. The pre authorized charge was for {$1400.00} on XX/XX/. I canceled that order with XXXX XXXX inXX/XX/XXXXas they were unable to deliver my order in an acceptable period of time. I expected the pending charges on my Upgrade card to disappear once 30 days had expired ( as Upgrade had advised on several previous calls ). After 30 days, and to this date, the pending charge is still on my account. Further, my current balance on my Upgrade.com account is far higher than it should be, which I believe the pending charge is included, meaning i'm being charged for a charge that should not be there. Below is my summation of the activity to resolve this to date. 

The steps I have taken include, reaching out to the retailer ( XXXX XXXX ) onXX/XX/XXXXfor them to contact Upgrade to release the pending charge, per Upgrades request. XXXX informed me that their internal policy does not allow them to contact a bank on my behalf to resolve issues. However, they did provide me a document via E-mail with the information stating the reference # and the representatives information so that I could send it to Upgrade to resolve the issue. I then sent that document to XXXX XXXX over the course of two months but have not received any response nor has Upgrade confirmed receipt. On two separate occasions I've called to check the status of the dispute, the dispute department had no understanding of the issue and informed me I had no pending charges, which is incorrect. When I was transferred back to customer service, they confirmed that there is a pending charge that the disputes department did not have access to. The representative then told me that it DOES appear that the pending charge is applied to my balance and is reflected in my balance and minimum payment requirement. She went on to say that she would transfer me to the business department who would try to assist further but I just ended up on hold for close to an hour with no one checking or telling me that I would be helped. 

I have attempted numerous times to resolve this directly with Upgrade.com via their disputes department and customer service without resolution and usually ending in a dead end call where i wait on hold for 30 minutes to an hour with no one checking to see if I'm still on hold. 

Additionally, on this final attempt to reach out to Upgrade to resolve this issue on XX/XX/ the representative went so far as to ask me for my personal bank account # to confirm my identity, which I refused, but did offer the last 4 digits as well as the last 4 of my SSN #, mailing address, phone number, name and any other info they asked for. The representative spoke to supervisor who allowed her to continue, but I believe it is unacceptable to ask me for my personal bank # number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had my Wise accpunt closwd for not or undisclosed reasons, and I had in the excess of XXXX dollars balnace with them. After 60 days of requesting my funds deposites back into my XXXX accpu t, where tbey withdraw the money from to fund the balance, I have not received said refund. 
They already responded to an appeal to have my money back and said that the funds were already returned to my XXXX account, but they have not. 
There leave you no way to contact their support team to resolve the issue, not any other option to reach such team. 
So basically they are trying to steal/ keep my XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Tuesday morning, XX/XX/2022, I tried XXXX  myself {$550.00} to another account of mine to pay my bills that are due. I was unable to, so I tried {$500.00}, and was unable to. Next, I tried XXXX {$1.00} and it completed and was deposited into my other account. 

I next tried to XXXX  myself {$490.00} to the same account and it didnt go through. 

But, in between me trying to XXXX myself, I had to call to get my account unlocked I also spoke with the fraud department as well, to verify and XXXXmyself. 

The third individual I spoke with. XXXX, she said that she was the accounts supervisor, She is the individual that actually restricted my accounts. I spoke with two other individuals before XXXX, and they were just as horrible as XXXX. 

So later that morning, about XXXXXXXX XXXX, I called Chase back, because I noticed that my account was still locked, and the individual I spoke with told me that my account had been restricted and the accounts were closed, so I tell him that that wouldnt be necessary because I can walk across the street to close my account. When I get there, I spoke with a couple of guys that informed me that they were not able to dispense cash and I could use the ATM. As I am sitting there, he looks up my account and tells me that my account has been restricted and I would not be able to access any of my accounts nor use my ATM card or my debit card. 

So, after my appointment I was late for, because I sat at that branch for almost two hours, I went to another branch in XXXX and the same thing. 

I left that branch and decided to call Chase again, and I spoke with one of the most XXXX individuals ever.she was the worst of the previous three individuals I spoke with. 

So, as of today, XX/XX/2022, I still do not have my monies nor has my bills been paid. I have not had a late payment on any of my bills in more than 3.5 years or more! 

When bank are allowed to steal from their account holders, this is shameful and awful. 

Thank you for your time and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Tower Loan of Mississippi, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX  XXXX XXXX XXXXXXXX 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 2021-11-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XX/XX/ of inquiry XX/XX/XXXXXX/XX/ of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 If one credit bureau remove something from my credit, then all three credit reporting agencies should make therefore the information is inaccurate. In this case XXXX removed the collection account from my credit report, but XXXX and Transunion have yet to remove them. I have did disputes online and sent multiple dispute letters in the mail. I have inaccurate names, addresses, phone numbers, and even my social security number 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 2023-04-06
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: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX XXXXXX/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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts : XXXX XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, 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 2021-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a collection account with XXXX XXXX XXXX account # XXXX on my credit report that is invalid and I have filed a complaint against the debt collector for continuing to report an invalid account to my credit reports. XXXX has removed the collection, however XXXX and Equifax still show the accounts without regards to the accuracy. The debt collector has had 15 days to investigate my dispute, and they have asked for an additional 60 days to look into the dispute. Therefore, I demand that XXXX and Equifax remove this collection account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-15
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:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 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 2023-03-25
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This started when i instant deposited XXXX to my brokerage account on XXXX and later switched to my cash account to not get the XXXX restriction that they enforce on robinhood and i didnt know it would take the money back. So i talked to someone in support at robinhood that day on a recorded line and he told me that the money would be sent over the next 3-5 buisness days. It never came so i made a dispute with my bank and got my money back and was happy, then the next day robinhood charges my brokerage account the XXXX which then restricted it and i had to sit in support calls all day where they just avoided it and kept putting me on hold until eventually saying that the rescrition is lifted but i need to add the XXXX to the account to not be have a restricted account again. The money on the intial day was taken right away since it was a instant deposit but then taken back by robinhood and never given back to me.This has been very time draining and frustrating for me, even now i sit in a XXXX hour support waiting room with robinhood trying to resolve this. I dont remember the guys name from the first support call but they state they have every support call on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
usaa charged my personal loan and credit card debt off during the pandemic. around XXXX or XXXX of 2020 i fell behind all of my payments with them and due to my XXXX XXXX XXXX XXXX  from XXXX from being overseas in the XXXX i totally forgot to pay them. and plus i was unable to pay during the pandemic. come to find out, without my knowledge, everything was charged off and now it is hurting my credit. i am working out a payment plan with the debt collectors about this but i want USAA to remove my accounts from charge off or collections so that i can resume my regular payments again and get back on track. i am willing to work with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-04-04
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:
" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # 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 records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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