BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
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:
I have listed all hard inquiries on my FTC report which should all be removed from my credit profile

Company response to consumer: In progress
Consumer complaint received 2023-05-08
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 OPM 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 XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-05-24
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SS # XXXX { TransWorld Systems Inc } { XXXX XXXX XXXX XXXX, DE XXXX United States } XX/XX/XXXX Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, This letter is in reference to a direct violation of the Fair Debt Collection Practices Act regulation to which a phone call was made to an unauthorized party disclosing personal information concerning the debit to an unauthorized party that has nothing to do with the debit this person was nether a relative or my spouse. It was brought to my attention your collection agents from TransWorld Systems Inc representing XXXX XXXX surgeons called a friend of mine at XXXX on XX/XX/XXXX approx. at XXXX AM in the attempts to locate assets as described to me by the attorney ( XXXX XXXX XXXX XXXX, XXXX ) handling this arrangement. I am filing a direct complaint with www.consumerfinance.gov therefore you can take heed that I am very serious about filing suit against your company. It was made clear to me by attorney ( Counsel XXXX XXXX XXXX, Esq ) that her firm or company had sent a notice to you and your team to remove XXXX XXXX from the list for any further contact or collections but due to your error and lack of detail you have publicly disclosed my personal debit to a party outside of the Fair Debt Collection Practices outlines as the proper persons and or individuals to contact and the proper information to release to properly authorized individuals which puts you did not do in this case which puts you in direct violation of The Fair Credit Reporting Act of 1970 'A debt collector generally can not discuss your debt with anyone but you or your spouse. If an attorney is representing you, and youve told the collector, the debt collector must contact the attorney. '' I await your response. 

Sincerely, ____________________________ XXXX XXXX XXXX : Federal Trade Commission ; Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Klarna AB
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I opened an account with Klarna. My credit limit was {$2600.00}. 

On XX/XX/2021, I made purchases in the amounts of {$1200.00}, {$820.00}, and {$670.00}, respectively. On approximately XX/XX/2021, the item for {$1200.00} was returned to the merchant ( XXXX XXXX XXXX ). 

On XX/XX/2021, a payment of {$250.00} was due however this payment did not reflect any adjustment for the {$1200.00} refund. When I contacted Klarna customer service about this, I was told that the adjustment would reflect on my XXXX statement. This has yet to occur. My monthly payment for XXXX is {$250.00} which is the same as the XXXX payment. No adjustment for the {$1200.00} return has been made. 

I have available credit in the amount of {$660.00} and have been locked out of using this amount to make additional purchases. 

Additionally, a late fee of {$25.00} has been charged to my account since the {$250.00} payment was not received on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: NAM National Arbitration and Mediation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
They keep calling repeatedly saying they have a legal document and civil complaint against me. They are calling from XXXX. When I call back no one answers.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, car was paid off to XXXX. XXXX XXXX has reported to only one credit agency that the payment was settled as agreed and has reported, kept the report, as a charge off on 2 other credit agency lists. XX/XX/XXXX update to my report : it says, paid in settlement XXXX written off. The correct thing is to have it show, paid. XXXX balance. That is what an employee of the creditor told me it would say. I have his name and phone number if it heIps. have disputed and sent emails and called XXXX to request my credit be corrected and updated and if unable then want it removed. nothing has happened and I have been denied a mortgage because of the charge off status. i have the letter from XXXX XXXX and XXXX stating account is closed and paid. what more proof is needed for the agencies and companies to correct their 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 2022-05-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Approximately in XX/XX/XXXX, I knew that my student loan repayments were going to begin in XX/XX/XXXX. I decided to make an early payment and set up auto-payment through NelNet. I visited the website and attempted to make my first payment in XX/XX/XXXX and set up my auto-debit payment account. In XX/XX/XXXX, I received an email from NelNet stating that a certain amount was going to be taken from my bank account. After they took a certain amount from my bank, I received another email stating that they were going to remove another amount from my bank account. I was confused on why they were going to be taking from my bank account twice. They said that their system default does not necessarily make all payments deductions on one day. I was confused on what my monthly minimum payments was. Even though I was speaking to the representative, she could not give me a straight answer. I asked her to please make all my monthly payments due on one day and she confirmed that she would. On XX/XX/XXXX, I contacted NelNet requesting that my payments be due on the XXXX of every month. The representative stated that the amount due on XX/XX/XXXX was already processed and that could not be changed. I said that was okay, but please starting in XX/XX/XXXX, to please change the due date to the XX/XX/XXXX. I was told that the next auto-payment would be processed on XX/XX/XXXX. So a total amount of $ XXXX was taken from my bank on XX/XX/XXXX. But then I received another email on XX/XX/XXXX stating that the same amount of $ XXXX was going to be processed on XX/XX/XXXX. I immediately called NetNet informing them that this was a mistake. The representative confirmed that the system noted the next payment was supposed to take place on XX/XX/XXXX, but for some reason they could not do anything about the amount being processed on XX/XX/XXXX. They said they could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
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:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 sub section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: In progress
Consumer complaint received 2023-03-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam and Im really devastated. I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a Ponzo scheme. Here is the link to the fake website : XXXX XXXX XXXX  My funds sent to XXXX were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. I tracked the downstream wallet, which was reported multiple times for fraud. XXXX ignored the fraud reports and did not do anything to investigate and/or freeze the fraud wallet. I have reached out to XXXX for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. 
My funds sent to them from my account should be investigated and refunded from them. I need assistance at this difficult time. My police case is in progress as well. Thanks

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 2021-10-18
Company: EQUIFAX, INC.
State: VA
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:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Reports as well and the report numbers are XXXX and XXXX. The FTC Reports are attached. 
Additionally, I have attached a copy of the CFPB ( consumer financial protection bureau ) report under report number XXXX. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3. XXXX - CARD SERVICE on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

My contact information is attached in the documents with this report. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: AZ
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:
Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) P.L 90-321 ( 82 Stat. 146 ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of Congress ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information.

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes. 

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.

Summary of Laws that support my requests> 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 XXXXeven 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I received an unsolicited call from Quicken Loans. The banker said she would like to review my account and see if there are any refinance offers available. I did not authorize the banker to run a credit inquiry, and the call ended. I then received a notice from my credit monitoring service that all three credit bureaus had received a hard credit inquiry. I contacted Quicken Loans to make sure they knew I did not authorize a credit inquiry and they refuse to remove it. My phone number is also on the do not call list. I was also contacted by unsolicited texts without my consent. 

Quicken continues to falsify the story, dismiss the negative impact to my credit report, and is unable to provide any evidence of my consent to a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
All credit reporting agencies allowed an unauthorized person to get paid access to all My credit reports to take over my identity. I don't have any paid account for none of them and never have. Im dealing with ip infringement, identity fraud and impersanation. No one is obeying the law and stopping the criminal from accessing my personal accounts. My credit reports are not correct due to phone cloning using sim swap out and cybersquatting. This is occurring with everything in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/19, my husband and I met with XXXX at Capital One 's XXXX, NY branch. This meeting took place after many previous phone calls and visits. Our issue has not been resolved. 

PENDING Chargeback HOLD PLACED FROM TRIPS {$50.00} Appears on statement as : Chargeback HOLD PLACED FROM TRIPS PENDING Chargeback HOLD PLACED FROM TRIPS {$50.00} XXXX Chargeback Refer to Maker {$50.00} XXXX Chargeback Refer to Maker {$35.00} XXXX Chargeback Refer to Maker {$200.00} XXXX Deposit correction debit {$35.00} XXXX Chargeback Refer to Maker {$200.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} Appears on statement as : Mobile Deposit Adjustment XXXX DR XXXX Mobile Deposit Adjustment XXXX DR {$50.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} XXXX Mobile Deposit Adjustment XXXX DR {$1100.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} All of the above are income that either my husband or myself earned. We work hard for our money, yet it was taken away by Capital One. I am a vendor working for multiple companies. Often when I tried to deposit a check online that was from the same company for the same amount, yet different dates of service, I received an error message saying that they have already received this deposit. When I called Capital One to try to resolve this issue, I was told that I needed to go into the branch to deposit the checks, which I did. I still had issues. I would deposit a check for {$50.00}, it would go through, then when I checked my bank statement it would say minus {$50.00} due to a " mobile deposit adjustment '' or " chargeback ''. An irate employee - XXXX XXXX - from one of the companies I work for - XXXX - called me to complain about a chargeback for XXXX XXXX. I explained to her that it was the bank 's fault, not mine. She threatened me, saying that I " owed '' the company {$50.00}, and if I didn't " reimburse '' them, I would never be allowed to work for them again. My husband and I have done nothing wrong, yet we are being penalized. I have made many calls and visits to Capital One, and this issue is still not resolved. They appear unconcerned, not taking our problem seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have told this company to freeze my credit account and to notify all XXXX credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX  on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX  with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXXXXXX XXXX and XXXX.

Company response to consumer: In progress