BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: I.C. System, Inc.
State: WI
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:
Account is showing as unpaid and has been paid in full.

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

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 2020-12-21
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: Was not notified of investigation status or results

Complaint:
I have a PAID collection with XXXX XXXX XXXX for XXXX as well as UNVERIFIED late payments with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I sent my first dispute to the bureaus on XX/XX/2020. I have sent again, disputes on XX/XX/2020, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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 not given my consent to publish my personal information and I am unaware of all these inquiries that are affecting my credit report and I have reported to all the agencies that are reporting these inquiries that are fraudulent and have not done anything to remove them and it is damaging my credit and these are the names of the companies : 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 2023-03-31
Company: EQUIFAX, 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$1200.00} ; 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 2019-08-30
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2023-03-31
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone got into my Citibank account and deposited two fraudulent checks for XXXX dollars a piece. One of the checks cleared and the person then took the money and used XXXX XXXX to pay themselves with the money. Afterwards the check bounced and I was left XXXX dollars in the bank. The individual even tried to pay XXXX dollars using my Citibank credit card to an XXXX XXXX, for products. I lost my phone and wallet when this occurred but was later recovered from the restaurant I was in. Citibank has informed me to not worry as they escalated the situation and closed my account and told me to open a new personal checking account. I do not want to be responsible for paying back the bank if they deem the investigation a failure. I do not have the money to deal with such a problem like this. This is very ridiculous and I just want to be protected at all costs.

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 2023-01-27
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX 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

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-27
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
my name is XXXX XXXX this complaint is for cash app, i have a cash app for my son XXXX XXXX which is a XXXX cash app tag XXXX  XXXX, the profile is in my name with my picture, i have attached cash app statements for the months of XX/XX/2022 XX/XX/2022 and XX/XX/2022 and transcation documents also proving my complaint, on XX/XX/XXXX there was a XXXX dollar payment sent from me to XXXX XXXX  cash app stated this transcation was canacelled that is not true on my cash app XX/XX/2022 statements it shows the transcation was not cancelled however it was taken out of my XXXX XXXX checking acct and never refunded to my bank or back to the cash app acct, on XXXX the XXXX XXXX there were two transcations one for XXXX dollars and XXXX  for XXXX was sent to XXXX XXXX  that was suppose to be refunded back to the XXXX transaction was suppose to be cancelled and so was the XXXX dollar transcation, not only did cash app take these funds from my bank acct and never refunded me they also took these funds from XXXX XXXX checkinhg acct for a refund for me which was not necassary because these transcations were suppose to be cancelled, so they took these funds twice,, from my acct and his, i have advised XXXX XXXX to file a cliam to get his money back,, yet still cash app has yet to refund my money or his, please look on the cash app XXXX XXXX statement, on cash app statements it descripts all transcations it would state cancel if the transcation was caneclled, however on the transaction receipt it states canaceled but on the statement it does not state that, also on XX/XX/2022 cash app cancelled a payment for XXXX that was suppose to be refunded to me on XX/XX/2022 however no refund has be made it is stillin a pending state with cash app, also another payment that was suppose to be refunded for XXXX however no refund, it is numerous charges like this but i can only proove these transcation at the time, i have attached my XXXX, XXXX and XX/XX/2022 cash app statements and my XXXX XXXX XXXX and XX/XX/2022 bank statements proving cash app took the money and never replaced it now those XXXX XXXX accts are closed i want my refund from cash app put into the cash app acct or mailed to me in a caheck the total amount is XXXX dollars please look at all attachments, i have contacted cash support numerous times about this matter i have also attached that proof my contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: KEYCORP
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Id like to file a formal complaint against KeyBank. 

In XX/XX/2022, I received a promotional offer in the mail from KeyBank offering me a 0 % interest credit card on balance transfers. My limit was {$7500.00}. I conducted a balance transfer on XXXX XXXX in the amount of {$6000.00} from XXXX to KeyBank. I remember speaking to a male over the phone ( who works with KeyBank ) to conduct the balance transfer. The male who worked for KeyBank was friendly and reassured me I was receiving the promotional offer. Because I no longer had the promotional offer in hand, I remember asking the KeyBank employee if I was still within the time frame. The promotion was advertised as 0 % interest on balance transfers, but I would pay interest on additional charges applied to the credit card. 

In the months following, I maxed out my card at {$7500.00}. Therefore, I was expecting to be paying interest on the {$1400.00} balance that was not part of the balance transfer. I reviewed back statements to assure I was paying more than expected in interest. 

Fast forward to XXXX XXXX. I called KeyBank to ask what my current interest rate was. I spoke to a nice lady named XXXX. XXXX informed me my interest rate was 14.24 %. XXXX also informed me that I had been paying interest for the balance transfer in addition to all charges racked up on my credit card ( I have been paying interest since XX/XX/2022 ). I spoke on the phone with XXXX for over an hour on XX/XX/2022. By the end of our conversation, XXXX got in touch with a female supervisor who stated, The call back in XXXX when the balance transfer took place was no longer recorded because it had been longer than 5 months. The KeyBank supervisor also stated, I found the promotion that should have been applied to your account and I will get the interest youve paid over the last 5 months, credited back to your account. 

On XXXX XXXX. I missed a call and voicemail from XXXX. When I called back, I spoke to a male supervisor who informed me that after investigation, I missed the promotion by a few days, and I do not qualify. I explained in detail to this male supervisor with KeyBank the situation and explained my frustration due to being told twice, I would be given the promotion. I would have never transferred my balance from XXXX to KeyBank, if I had not been promised the 0 % promotion ( my interest rate was lower with XXXX than it is with KeyBank ). 

I feel KeyBank was dishonest to gain my business. I was not issued the interest rate as advertised on the promotional offer they mailed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has detrimentally affected me and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Was not notified of investigation status or results

Complaint:
My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX reports my middle initial as XXXX  which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.

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 2019-01-08
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: Account information incorrect

Complaint:
hello, On this day of XX/XX/XXXX I would like to file a complaint against Equifax and XXXX  for inaccurate information on my credit report! I've filed a complaint more than once to no avail. I would like you to make sure that I am treated fairly and not discriminated against based off of history, color, race, age, national origin, disability, sex, and/or religion. I'm in the process of applying for a loan with all credit accounts in Good standing, but have some negative items that are inaccurate on my credit reports with XXXX and Equifax. The first and most negative item is Child Support, which appears on my Equifax credit profile. This item was removed by XXXX XXXX and XXXX from my credit report but with Equifax it still remains! Child Support closed this account with all three credit bureaus on XX/XX/XXXX. The next items in dispute with Equifax are XXXX/XXXX in which has a balance of {$0.00} as of XX/XX/XXXX but is still showing a {$600.00} balance, and XXXX/XXXX  is showing a balance for {$23.00} in which also has a {$0.00} balance as of XX/XX/XXXX. XXXX  also has a balance showing on my credit report for XXXX XXXX in the amount of {$470.00} which has a balance of {$0.00} as of XX/XX/XXXX. XXXX  also shows a balance of {$23.00} for XXXX/XXXX  which has a {$0.00} balance as of XX/XX/XXXX, and XXXX also shows a balance of {$420.00} for XXXX XXXX which also has a balance of {$0.00} as of XX/XX/XXXX. I've called them numerous times as well as filing a dispute to have these inconsistencies corrected but they still remain unchanged, although they told me that they see where the accounts have been paid in full they have not updated my report in a timely manner! Their adequate response is desperately needed to get approved for a loan, otherwise I would be denied based off of inaccurate information posted in my credit report by the Bureaus! Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been trying to dispute this one student loan at least 7 times in the last 3 years they have a master promissary note that does not have my signature on it it was forged also the loan was given under false pretenses the school assured me they were accredited and the credits could transfer anywhere they lied the credits are no good at any other school they shut down and being 3 credits away from my degree I have to start all over again.

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