BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
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: Reporting company used your report improperly

Complaint:
I did not give written permission to have these accounts furnished on my consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Again, I did not give written consent or permission to have these accounts furnished on my consumer report. This agency is in direct violation of the law.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have reported the payment made to XXXX  XXXX to trans union they will not fixed they have where I cant dispute it anymore

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 2023-06-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is not reporting to credit bureau in a timely manner or reporting and then changing it back I suspect to keep customers at a higher interest rate I have paid at least half of my card off and its been almost 60 days and it has not been reported to the credit bureaus on Experian it was reported and then changed back bringing my score down

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/XXXX I noticed some unauthorized inquiries on my TransUnion consumer report. On 03/01/2022 I informed TransUnion of the unauthorized use ( 15 USC 1602p ) on my report. I required TransUnion to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that TransUnion are willingly and knowingly reporting false information on my consumer report. I required TransUnion to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, TransUnion has yet to respond to the letter sent through the mail. I demand TransUnion to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that TransUnion delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information TransUnion is reporting on my consumer report. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. I require you to delete these unauthorized inquiries and update my consumer report, and send me an updated 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 2019-06-11
Company: Experian Information Solutions 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:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Experian Dispute Results credit report dated XX/XX/XXXX I can still see inaccuracies and blatant violation. my dispute letter to the CRA dated XX/XX/XXXX, Inaccurate Items disputed ( 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 ). Dispute reason : remove this account because the date of status date or DOS didn't update, this irrefutable proof that no investigation was done 30days ago. its a violation- delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status date or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status date or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX/XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX  XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from experian investigation shows the DOS date didn't change/update.

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 2023-12-06
Company: EQUIFAX, INC.
State: DC
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 found a credit inquiry on Equifax and that inquiry is not mine 's. XXXX XXXX XXXX  never extended me no line of credit. I never did any business with them. 

I do not know why they are on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
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:
In accordance with the Fair Credit Reporting act XXXX & XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-04-24
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: Public record information inaccurate

Complaint:
I have disputed a bankruptcy that was placed on my accounts from credit bureau I have no knowledge of the proceedings I notified bureau who refuse to remove the inaccurate information all I was told from the bureau was that the bankruptcy was dismissed which Im sure of that if it was reported fraudulently this has caused me to become homeless with my XXXX  kids I told them who seems to not care.my life has been destroyed due to identity theft or some sort of mix up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Chime Financial Inc
State: CT
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 XXXX XXXX 2023, I received a text message saying that the phone number on my account was changed to a different number. I also received an email. 
I tried logging into my Chime account but the app wouldn't let me, neither would the online website. 
I then called Chime and after waiting for about 25mins, I was able to talk to someone about changing the number back to my real phone number and accessing my account. 
When I finally accessed my account, I found out that someone had taking all the money out of my account, and left me with just pennies. They had taken {$2400.00}. They had transferred the {$2200.00} out of my savings account, added it to the money in my checking and then send the money to a name that I had never heard of. 

I asked the representative how this was possible. I made it clear to them that I didn't authorize the charge, I didn't know the person, and I didn't even know how it was possible that the person was able to take all my money in minutes. 

I pointed out to the representative that for as long as I have had my account, I had never sent money to a single person. I used my account to get my direct deposit from my job ( XXXX ) From there, all my funds are distributed to three other external accounts ; XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX. Those are other corporations, not singular people, and it has been that way for as long as I can remember. 

From my experience, distributing the funds as described above usually took about 1 to 2 business days to processs, so I definitely couldn't understand how or why this person was able to take my money in minutes. I asked that since they had the persons Username and information, why couldn't they just freeze the transaction, and they said they had no authority to do that, which left me even more confused. They have the account the money was sent too and they couldn't do anything? not even report the person so the person couldn't keep doing this? 

After being transferred about two times, they opened a case. I am still waiting for my money to be refunded. I am also waiting to understand why it was so easy for someone to access my account and take all my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22
Company: Selene Finance LP
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:
I experienced damage from the hurricane Harvey, and was denied coverage from the insurance company. I requested assistance from my mortgage company to assist me with payments as I repaired my home. I entered into a 4 month trial modification. I was not informed that they would be reporting me 30 days late to the credit bureaus. I have never been late on my account with the mortgage company. I have disputed the late reporting with the bureaus, and mortgage company to no avail. There is no where in the agreement that states that as I am in the trial payment to gain assistance that they will report late on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 I opened two business accounts. When opening these accounts ; I was asked if I wanted over draft protection. I chose to opt-out of this practice as it normally includes fees. 
However since XX/XX/XXXXXXXX XXXX XXXX I have been charged {$1500.00} on one account and {$1800.00} on another account. For a total of {$3400.00}. 
According to the bank when my deposits are in pending ; they allow my debit card to approve transactions. However, the funds are not technically available so I am charged a fee. 
This does not seem fair to me and was not explained when opening these accounts. As I made it clear when opening that we did not want to incur any overdraft fees and to opt us out of anything with overdraft protection. 
I do a lot of online payments with XXXX, XXXX and XXXX. So when these funds are transferred to my accounts they are available. However, they are not in my current balance ; just my available balance. 
If a fee will incur when I am using my funds ; my card should decline. Especially since I opted out of any overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX In XXXX, we received a letter ( dated XX/XX/20 ) from a collection company demanding payment- referencing a disputed debt to XXXX  XXXX XXXX XXXX We then reconciled this company name with numerous missed calls on our phones from this same entity. On one such call, a muffled message was left that failed to identify the caller as a collection company. In addition, the broken English used was incomprehensible. At the time, we were deeply concerned that scammers had obtained personal information and were attempting to access accounts. Needless to say, this created a significant amount of XXXX  and XXXX  on our part that led to needless XXXX  and XXXX. FDCPA section 805 ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. We have also received numerous contacts early in the XXXX that are also likely violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: SYNCHRONY FINANCIAL
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony bank Credit cards for rooms to go, care credit, Jcpenny, marshalls. I asked for confirmation of debt with all the wet signatures. They sent me the statement which is not what I asked for. I sent the ceo my fee schedule. Reversing provisional credit {$50000.00} per occurrence, refusing a negotiable instrument {$10000.00} per occurrence {$40000.00}, closing an account without permission {>= $1,000,000} per account {>= $1,000,000} plus {$50000.00} plus {$40000.00} equals {>= $1,000,000} paid to XXXX XXXX authorized absent for XXXX FOX.This case will go for arbitration because we can check the books for the double billing I discovered trust fraud. We are not a U.S. citizen incompetent XXXX according to XXXX XXXX definition. I am a XXXXmerican State National.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Account status incorrect

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 XXXXXXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN : # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: MI
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 writing to formally dispute the recent addition of an authorized user to my credit account with XXXX ( Account # : XXXX ) and Experian ( Account # : XXXX ) without my knowledge or consent. This action has raised profound concerns regarding the precision and confidentiality of my personal credit information, as safeguarded under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Pursuant to the FCRA, consumers like myself are entitled to ensure that the information contained within our credit reports maintains accuracy, fairness, and security. The unauthorized inclusion of an authorized user on my credit accounts not only infringes upon my privacy rights but also casts doubt upon the accuracy and legitimacy of the data being reported by your agency.

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 2022-03-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase.com/amazon credit card online payment center only allows me to make minimum payment. When attempting to pay more than the minimum payment, but less than the total balance the payment will not submit. This has been an ongoing issue with this credit card. Additionally, can not make more that 1 payment a month online, when attempt to make more than one payment in a one month period the 2nd payment will not submit. Great scheme JP Morgan has to maximizes its credit card interest revenue, is it legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CITIBANK, N.A.
State: TX
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:
I was charged {$200.00} on XX/XX/2022 for items not received. I contacted Macys and the company in question on XX/XX/2022. When I was not able to get the issue resolved, I re-contacted Macys on XX/XX/2022 and spoke with XXXX, at approximately XXXX pm cst. When she refused to solve the problem, I requested to speak with her supervisor. I wasnt connected to a supervisor.

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 2019-07-12
Company: SLM CORPORATION
State: CO
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:
My credit score was checked by XXXX and I am not sure why because they are a credit company! It made my credit score XXXX down and I have no clue as to why it would be checked by then. As far as I know it is an error along with the others included in the picture. Sally Mae was contacted by someone that was fraudulent in collecting my info to take out a school loan. I have since put these companies on notice, reported to every I could, called the police and now this feels like a last resort, why is this error happening!!?! 

XXXX XXXX XX/XX/2019 XXXX inquiry never approved or permitted by me! 


XXXX XXXX bank /XX/XX/2019 hard inquiry is FRAUD!! Not submitted by me. I have called local officials and put my credit on alert!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: XOOM CORPORATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone has obtained access to all of my checking accounts and have wired money via XOOM. Someone also made a payment to XXXX  credit card. It looks like they used my XXXX account to do so.

Company response to consumer: Closed with non-monetary relief