BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a auto loan and did not give permission or consent To ANY OF THESE PLACES!!! 

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 2018-04-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
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:
Inquiries placed on my credit report without my doing during XX/XX/18 - present

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In pursuant to 15 USC 1681 a2 The credit reporting agencies have not been fair to me in their duties and have violated my consumer rights. I am stating I did not give any written consent/permission to have any information furnished on my consumer report 15 USC 1681b .

They have assumed this vital role and have infringed upon my right to privacy, In Pursuant to 15 USC 1681 ( 4 ). This has been a total invasion of privacy and damages have been done, resulting in severe harm and discrimination.

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 2023-08-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened my business account with Citibank, NA in XX/XX/2022. I deposited consistently into my account. In XXXX my balance was approximately {>= $1,000,000}. I proceeded to pay my vendors and withdrew for my payroll, etc. Citibank has placed a hold on my account where I can only deposit but can not withdraw due to a fraud alert. After verifying my account for the hundredth time, they absolutely can not remove the alert, although I went through ample verification process and everything should of been fine. After I gave them ample time to resolve whatever issues they were having, I proceeded to call them and they said they are in the process of closing the account and will forward my balance of over {$60000.00}. I called Citibank every week thereafter and even went into various branches where none of them can even locate my account. I continued to call and I get re-routed to their Fraud Department in XXXX somewhere, where hardly anyone speaks English. This has been going on for almost 9 months. Please help me retrieve my my money from this crooked bank and I will go my merry way. 
Thank you

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 2021-10-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The dispute is about the unauthorized transaction in the amount of {$590.00} that got deducted from my debit card at XXXXXXXX XXXX. amount on XX/XX/2021 by merchant XXXX XXXX. 
I have sent several communications to XXXX XXXX ( Merchant ). They have responded multiple times and have no knowledge of this transaction either ( Response from the merchant is attached below ). 
Also, Citi bank was also not able to refund me the charges after hours on the phone with 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 monetary relief
Consumer complaint received 2023-08-14
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On around XX/XX/XXXX and before I had noticed unauthorized transactions. I did not do I was told wait until its done pending and then report. I did as I was told to wait some more. I finally was able to report it through the bank today and they denied it the same day. Without no documentation or explanation. The rep over the phone did the report for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We have endured Extensive identity theft my wife and I. Our information was and has been compromised on the black web and we have reached out to several agencies and put credit freezes on our reports. When we requested for a new social security number in reference to this situation we were told we could not receive a new number. We changed our names in an attempt to isolate the theft, because of identity theft and were discriminated against on several occasions in reference to our name change. 

In the midst of these freezes our identity was completely comprised, and our credit file was still being used and utilized. Multiple accounts open used and manipulated several times.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.

Why do I need to have them update when the bureaus should do the investigating?

Next, I have called the companies and have sent letter already attempting to verify the information.

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

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 2019-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The Bank of America Premium Rewards credit card advertises a {$100.00} per year airline incidental credit. They do not make clear, even in the fine print ( " terms & conditions '' ) that the credit does not apply to all domestic airlines. I spent {$110.00} on incidental ( seat assignment ) fees on XXXX XXXX XXXX on XX/XX/19 using my Bank of America Premium Rewards card in the expectation that the incidental credit would apply. Bank of America now says it does not, and that the credit only covers certain airlines that do not include XXXX XXXX, so Bank of America will not credit me the {$100.00}. But their terms & conditions and program rules nowhere name the airlines that are covered, and imply that all domestic airlines are.

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 monetary relief
Consumer complaint received 2023-11-28
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: 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 three 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

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 2023-08-14
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with Citi Bank and provided the account number and routing number as shown in my mobile app to my employer for direct deposit on XX/XX/XXXX. 
The direct deposit was made on XX/XX/XXXX by my employer but it was not credited in my account, I had a financial obligation on XX/XX/XXXX which depends on that amount ( XXXX ). 
Upon reaching out to Citi bank all day long they told me the amount will be deposited by the end of the day, which never happened and I sustained a financial loss on that day due to that. 
On Friday XX/XX/XXXX Citi Bank sent a letter to my employer stating that I entered a wrong routing number and they provided the correct routing number and my employer sent that back to them ; the routing number I entered was provided to me in my Citi account info app ( will be attached ). 
Till this moment, the funds are not in the account, no reason was given by Citi bank despite reaching out to them more than10 times daily and me continue to get financially harmed by lack of funds. 
My Citi Acct number is XXXX, the routing number as it appears on my account info is XXXX, the correct routing number which was given by Citi to my employer is : 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 2022-06-16
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # 's 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2021, I mailed a letter requesting a method of verification for inaccurate items that were claimed to have been verified. It has been almost a month and I have not gotten a response.

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 2023-12-17
Company: EQUIFAX, INC.
State: NC
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:
After reviewing my credit report, I noticed a multiple unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized XXXX  XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-12-18
Company: EQUIFAX, INC.
State: MD
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 Sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) According to the FCRA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies Accounts : 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 non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today, XX/XX/XXXX, I reached out to IQ data collections. I first spoke with a representative whose name was XXXX. I asked him what options I had to settle the debt and if the amount that XXXX gave me of {$1300.00} on XX/XX/XXXX was still on the table. He was extremely disrespectful and told me that I need to just pay my full balance, something I should have done a year ago. Also, he threatened that he would make sure I didnt get another settlement and made it clear that he didnt care. I was extremely hurt, frustrated and embarrassed and asked to speak with his supervisor. He transferred me to another senior representative named XXXX who was even more disrespectful and was not a supervisor. When I asked him if he could listen to the call to address how rude the representative was he literally disregarded what I said and asked for my payment information. After insisting that I paid now, I asked again to speak to a supervisor in disbelief. Lastly, I was transferred to XXXX XXXX who says that he is a supervisor. He answered the phone immediately speaking over me stating that he understands why his representatives spoke to me disrespectfully and how its not their fault that Im in debt. He then disconnected the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, 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:
MY myequifax account was locked so I called the company to have it unlocked but it showed my sister account information instead of mine, so I tried to create a account with my information and wasn't able to because it said that there was already one made. Also tried putting in multiple disputes to have the information the information on myequifax changed but when I put in the in the reference number in they are not able to find the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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 2023-10-28
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:
I pulled my transunion credit report and tried to fill dispute for proper verification and validation in my report. I have called multiple times get hung up with no call back. 

Transunion has allowed collection and inquiries to be place on my credit report violating the fair credit act. 

I am questioning accounts and inquiries I have no knowledge about, accounts that does not belong to me! 
im also requesting removal of all hard inquiries not authorized by me! 

I will like proper investigation with a step by step report and outcome with a immediate removal with update showing my true credit report information. 

I am filing a complait to Transunion and each of these Collection Companies in question 1 ) XXXX-XXXX  Account XXXX Showing a balance of {$670.00} 2 ) XXXX Account XXXX Showing a balance of {$1600.00} 3 ) XXXX XXXX Account XXXX Showing a balance of {$620.00} 4 ) XXXX XXXX  Account XXXX Showing a balance of {$1400.00} 5 ) XXXX  Account XXXX Showing a balance of {$540.00} Inquiries Not Authorized by me need to be removed are as follow 1 ) XXXX 2 XXXX XXXX 3 XXXX XXXX XXXX 4 ) XXXX  XXXX  5 ) 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