BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2019-05-03
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Best Buy would not honor an advertised XXXX promotional discount that was offered on the XXXX dishwasher I purchased. 

I was charged {$140.00} for an installation fee on a dishwasher that was advertised as free installation. On top of being charged for a fee that was advertised as as a free installation, the dishwasher purchased was defective. This resulted in the dishwasher needing to be replaced -- and I was charged a second installation fee! 

Best Buy in no way honored the advertised XXXX promotion, and on top of that charged me to replace a defective dishwasher that they sold me. So I have paid a total of {$300.00} for an installation fee for a dishwasher that was advertised as free. 

My attempts to resolve this with Best Buy support have been unsuccessful. The first time, they closed my dispute with no notice or even input from me. Then when I got them to reopen my support inquiry, they threatened me saying that the only way this issue could be resolved was thru the legal system. They are requesting that I track down and send them store promotional adverts to prove that was the offer. They did not even make an attempt to verify this within their own stores, which can clearly be documented with the time stamps of my purchase and their in-store promotions for the store. 

TImeline : XXXX '' Front Control dishwasher purchased XX/XX/XXXX SKU XXXX with promotion of free installation Item defective Exchanged by BB on XX/XX/XXXX - 2nd XXXX with no hot water hookup. XX/XX/XXXX Management offered to replace with in stock XXXX SKU XXXX. Because the XXXX retail was several XXXX  $ higher, they offered to decrease the cost by {$200.00}. However, they charged {$140.00} to install. 

Dispute initiated by me XX/XX/XXXX - XX/XX/XXXX Citi bank electronic " since you have excepted the {$520.00} transaction, we have closed our investigation. 

XX/XX/XXXX I disputed the replacement for the defective dishwasher and the 2nd {$140.00} charge. Citi bank re-opened. XX/XX/XXXX action requested from Citi bank. I called the number provided and an account specialist, XXXX told me that I received a {$200.00} credit on the XXXX. I explain the credit was because management offered to replace with an in stock dishwasher that was {$200.00} than what I purchased. I was billed a 2nd {$140.00} to have it installed. 

XX/XX/XXXX Citi 's specialist, XXXX informed me that this is a legal claim and I must provide them with documentation to support my claim that the XXXX had a promotion of free install. 
I asked them to review XXXX XXXX promotions at the time of purchase to support my claim. XXXX declined and again, put the burden of proof on me to present them with documentation.

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 2021-03-21
Company: DISCOVER BANK
State: NY
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:
On XX/XX/2020 I reserved a car online through XXXX. My Discover credit card was used to secure the car. On XX/XX/2020 I went to pick up the car that I reserved through XXXX. the vendor, XXXX XXXX, told me that they can not rent the car to me, without explanation. I contacted XXXX to let them know what happened and they said they can't refund me even though I did not receive the car. I then contacted Discover Card when the charge appeared on my statement and explained several times that I never received the service that I paid for, a rental car. They, Discover, are only relying on the merchant, XXXX, information. However the merchant can not substantiate that I received the actual service. I have been disputing this charge since XX/XX/2020. We are at an at impasse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Person selling concert tickets gave me fake information and somehow managed to duplicate one transaction into 4. More phone numbers are using the same method of scamming through app called " XXXX XXXX  XXXX. '' Selling band " XXXX '' tickets at XXXX XXXX XXXX  XXXX on various dates. 
Phone numbers in addition to one who scammed me : XXXX XXXX All out-of-state land lines demanding to use Zelle for payments for same events.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by theXX/XX/XXXX data breach and may have gotten into hands of the wrong person.

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 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-15
Company: JPMORGAN CHASE & CO.
State: OK
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 Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

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 2021-03-05
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I contacted the lender regarding the advertisements that I have been allegedly pre-qualified to receive. When I went to apply, I was bewildered that my credit score from six months ( XXXX ) popped up and I was locked into a loan with a five-year payback period. As a returning customer, with two previous loans paid in full, I am confident that the business is executing unethical measures to assess higher interest rates and to participate in predatory lending. As of today, my credit score is nearly 100 points higher and I was unable to elect for them to pull my new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-09-26
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, badge number XXXX, from a company AFNI called at XXXX on XX/XX/2019. I have a portion of the call recorded. He identified himself and said I had a debt that had gone to collection from XXXX. I disputed that fact and asked how he got his information. He gave an account number and service address that was not associated with me. I said that his information is incorrect. He went on to pressure me saying it was my debt and that he would work out a " deal '' but only if I paid him today. I repeated that his information is incorrect and he said it was valid and because he got ahold of me it was the same as verifying it as legitimate. I told him I had no unpaid bill from XXXX but he persisted by raising his voice, insisting that this debt would go to collection to the credit reporting agencies and negatively effect my credit. He refused to acknowledge the fact that his information was wrong and that it was most likely a mistake and even said I would not accomplish anything by calling XXXX because they had already transferred the debt to AFNI. I asked him to repeat the information he had. He again recited an account number and service address that was not associated with me so I asked how he could report anything to credit agencies if the debt wasn't mine. In response he actually said that the effect of the negative report would be more costly on me than the actual debt which he said was only {$120.00}, however, he would discount it to {$90.00} if I paid it now. I then started recording and asked him to identify himself which he at first refused saying he would never give me his last name. He then argued that I had been dodging him by not answering previous calls. I stated typically don't answer unknown numbers especially if they don't leave a message. He said they never leave messages. His overall language was threatening and harassing in nature. At this point I fully believe based on this conversation that AFNI will take action even though the debt isn't valid and they only made contact by phone. I have not received any official notice by mail, from XXXX or from AFNI establishing that I had any unpaid bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Bakkt Opco Holdings, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am not able to get into my Bakkt account. I have reached out repeatedly to be allowed in XXXX time and not again the next time. This is very frustrating. I am allowed to put money in the account. To buy cryptocurrency and add reward points as well as gift cards but when I go to enter account again it says my device is not safe. This is very irritating. Let me in my XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have mailed numerous letters to TransUnion trying to rectify the information on my report and have waited over the amount of time for a response. I received some news that has stopped efforts in doing business with me for this matter. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

All payments paid as agreed and never late.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I opted out of any solicitations and XXXX  sold my info behind my back to XXXX XXXX. I had no idea how that happened but reported XXXX to the XXXX XXXX XXXX Then I received a report from XXXX recently and see listed on it where they sold my info even though they show I OPTED OUT of any solicitations! I'm furious! The next time they sell my info I will sue them. I have it in black and white!

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 2018-04-10
Company: FMS Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX and AXX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX   to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: MI
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 # 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello I accidentally XXXX  XXXX {$90.00} on XXXX. 
I contacted him a few days later and he admitted he didnt know me and the transfer was an error. 
Subsequently he refuses to return the money. 
I reached out to my bank and they said to contact your organization. 

I was off by one digit when sending the money by phone number but the transfer is instant so there was no buffer period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX, is the relevant date when this matter began when I first called to terminate my service. See the chronology attached below. 

XXXX XXXX XXXX erroneously continued to charge my account beyond the date service was to be terminated as well as assessing charges for equipment, which was all returned via UPS as instructed. I have spoken to their customer service several time and have ample notes and documentation of those calls extending over they past year and a half. I have also responded to I.C. System on several occasions disputing this balance of {$150.00}. 

I wrote to both XXXX  ( successor to XXXX XXXX ) and I. C. System with full documentation and chronology of this debacle and demanding that this entry to my credit reports be removed. That communication was sent Certified Mail on XX/XX/XXXX. I have attached a copy of that correspondence below. 

XX/XX/XXXX I received a notice that I.C. System had removed the credit reporting entry, stating that they had, " been unable to verify the information and therefore had requested that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. '' That response further stated that " the debt will not be re-reported to the credit reporting agencies by I.C. System, Inc. '' XX/XX/XXXX I received a notice from I.C. System stating that " XXXX provided the attached information, verifying your responsibility for payment. '' The attachment was a copy of two statement pages from XX/XX/XXXX. However, if you review the attachment, there is no reference to the amount they claim of {$150.00}. This is clearly a cursory gesture by XXXX to justify this error so that I.C. System to continue their illegal collection attempts. Surely, I.C. Systems can not be exonerated from actually reviewing the documents to see that they actually do " prove '' the debt. Which this certainly does not. The consumer and debt collection statutes clearly charge such companies to exercise due diligence in validating the amounts they are attempting to pursue.

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