BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

the Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this ground for removal they also violated my right under 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 : it also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking 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 2023-04-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have accounts in bank of the west and this bank accidentaly, or purposely change the amount that i wrote on check {$20.00} to {$200.00} and right away franchise tax board sweeped my accounts that falsely credited by bank, and after that bank got there was a mistake happened, overdrown my account, and dont accept responsibility of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-08-15
Company: SYNCHRONY FINANCIAL
State: TX
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:
Synchrony Bank accessed my credit report on XX/XX/2022. I do not recognize and did not authorize this access to my credit report. 

My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.

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 2022-12-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sold some tickets from XXXX  thru their website. A few days later I recieved a email saying the ticlkets were sold and XXXX would be deposited as soon as I went and put in my bank account information The next day 2 small deposits were made and I was asked to verify them which I did. When the money never arrived I went online to look up XXXX  customer service because no response to a email I sent ever came. When I called a XXXX gentlemen answered after a recording saying I was second in que played. He identified himself as a XXXX  employee. After explaining the issue he said the problem was XXXX  software was having issue because they had been scammed for XXXX and recently changed their procedure for verifying accounts. He asked me to go to XXXX  and download a app called XXXX XXXX. Once I did and opened the app he asked me to read him a code which I did. He then asked me to go into my chase acct and do a supposed dummy XXXX  deposit to a odd email address with name of XXXX XXXX. He assured me the money would never leave ( which it didnt right away it was listed as pending } About 3 hours later chase sent me a text reducing my balance by that amount. When I reported it to chase they said they were not responsible since I authorized the payment which I really didnt I only authorized what I thought was a verification hold But the bank makes no distinction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, 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. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX CREDIT REPORTING AGENCY REFUSES TO FOLLOW THE LAW AFTER I SUBMITTED A IDENTITY THEFT POLICE REPORT TO REMOVE AND BLOCK FRAUDULENT ACCOUNT FROM MY FILE. THEY REQUESTED THE POLICE REPORT AND I PROVIDED IT HERE IS THERE REQUEST

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 2023-06-30
Company: EQUIFAX, INC.
State: TX
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 following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently relocated to the US in XX/XX/XXXX. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under XXXX and 5 under Equifax ).  This was done without my approval and without even informing me. 

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XX/XX/XXXX which is the date I was in the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
XXXX XXXX opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!

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 2023-08-15
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My employee stock shares were sold and expected to deposit in my account in XX/XX/XXXX. They never showed, so I assumed there was a delay or they would be distributed the following quarter. I received income tax forms at the beginning of XX/XX/XXXX showing 3 separate distributions from my employer stock paid out and I only received 1 of those 3 deposits. I called Chime and have gotten no where with them. They refused to get involved. Ive called the Department of Labor and they were able to research and confirm one of the missing deposits showed posted under the the account number that I provided my employer to send the deposit. We have the date and time of the transaction for the amount of {$55000.00} with the word posted on the transaction. I went back and checked and I received no notification the amount was ever deposit in my account period. I believe it was put into the wrong account or flagged as an exception and never rectified. Ive also called my employee benefits advisor and they confirmed when the shares were sold and when the deposit was sent to my back. Im responsible for paying taxes on a huge amount of money that I never received. I was also provided with a transaction trace number from my advisor but Chime refuses to research this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been contacted my debt collectors in regards to a Forever 21 credit card that I did not use for the money they are saying I owe. I have tried to contact the company and tell them to cancel the card and they said they would but never did. I am just worried because this is really affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is attempted to collect a debt that's not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Foursight Holding LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on XX/XX/XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: PA
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 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 2023-05-06
Company: EQUIFAX, INC.
State: GA
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, Transunion and XXXX is showing different history on XX/XX/2022.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting on my credit report they closed this account as faud but have not deleted from credit reports

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 2018-02-06
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is attempting to collect a debt that was paid by my security deposit. They failed to send the proper documentation in the correct amount of time after I moved out of the apartment. A walk through was completed and nothing was mentioned that any money was owed after move out. I didn't receive a security deposit letter advising me what I owed for or any pictures of the claimed damages. They also falsified documents stating that I didn't pay a security deposit in the amount f $XXXX. I have a letter and emails stating that the amount was received. The apartment complex changed management companies after I moved out and no one seems to have any information pertaining to my lease. This is completely illegal and needs to be removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRUIST FINANCIAL CORPORATION
State: PA
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:
Early XXXX, 2023, I opened a checking account and credit card with Truist Bank, XXXX XXXX. XXXX PA. They were offering a PROMO of {$400.00} to open an account. As of XX/XX/2023, I completed all the requirements. XXXX XXXX was the XXXX XXXX, who assisted me with opening the account. Whenever I call on the status of the {$400.00} promised, I'm told the " XXXX  Department '' is still researching. Wait another XXXX days. According to the information when I opened my account, that {$400.00} would be deposited within XXXX weeks of my completion of the terms. XXXX XXXX informed me today, another woman has been waiting since XXXX for her XXXX. 

I also learned today from XXXX XXXX, that Truist finally located the {$250.00} from my previous complaint. That money needs to be reimbursed to XXXX, who after almost two months reversed the payment and refunded my money. XXXX XXXX told me today, the XXXX XXXX, XXXX location, just located the check for {$250.00} sent to them by XXXX. What is going on at Truist bank. Please do what you can to get them to honor thier XXXX and deposit {$400.00} into my checking account.

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 2023-08-15
Company: Credit Karma, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit karma guarantee payment for credit card disapproved aplications fraud.. they guarantee an easy approval or a reward on theyre behalf. But fail to come thru after you compromise your credit with hard inquiries on your record and your info being used by others to open up loans with your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from US Auto in XXXX, FL and kept my payments up to date. On XX/XX/XXXX, a motorcyclist tried to fit between myself and another car at a high rate of speed and had to drop his bike. It flew up underneath my car causing approximately {$11000.00} in damage and my car was determined to be totaled on XX/XX/XXXX. 

My personal insurance company, XXXX XXXX, paid their portion for the car and now own the totaled car. I had called US Auto on XX/XX/XXXX and I let them know I was involved in an accident. I called again on XX/XX/XXXX to inform them that the car was totaled, and, to my surprise, I was transferred to Westlake Portfolio Management. I received an email on XX/XX/XXXX stating that US Auto is no longer in business as of XX/XX/XXXX. This means I should have been able to make contact with someone at US Auto from XX/XX/XXXX through XX/XX/XXXX, and I was not able to reach anyone except Westlake Portfolio Management ( WPM ). 

I began working with WPM to get my GAP insurance paid and my warranty cancelled. They had told me that they do not work with warranties and GAP just total loan amounts. I eventually found out that US Auto did not make any payments to the Warranty company since XX/XX/XXXX. And my policy was cancelled as of XX/XX/XXXX. The total amount of the warranty price was {$2900.00} plus any interest on this amount. 

The GAP insurance paid a very minimal amount due to being overcharged for the car. I now have {$3500.00} remaining to pay and I have not been able to get another car, as I am still making payments on a car I no longer have. 

I have continued to pay my payments to WPM since the date of the accident in a timely matter, with the exception of the last payment that arranged to be paid 9 days late. 

PLEASE NOTE : A portion of the matter has been resolved with the warranty company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 checked my transunion credit account and XXXX XXXX XXXX  has two inquiries for XX/XX/2023. One is spelled XXXX XXXX and one is spelled XXXXXXXX XXXX. I only applied for the credit card once on XX/XX/XXXX, XXXX please remove one of the 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 non-monetary relief