BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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 items in my file. Thank you. 
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 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

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 2022-01-18
Company: Experian Information Solutions 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:
I received a notice from XXXX who I bank with about an update to my credit score today and was shown my score XX/XX/2022 was XXXX. I received an email from XXXX homes regarding an inquiry I made online regarding a possible home purchase. I authorized XXXX to make a soft inquiry of my credit XX/XX/2022 @ XXXX and was denied stating the report from Experian provided stated my credit score was XXXX. How can the same company 's report provide one company such varying scores on the same day which I might mention was a banking Holiday which would indicate to me that no transactions were added to my report today to cause such a difference in the 2 scores. Needless to say I feel Experian may be in the practice of XXXX discrimination because the the company providing home loans received a score that was significantly lower then the score provided to my bank ON THE SAME DAY by THE SAME COMANY.

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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This account was opened online without my permission as a result it was also closed within 60 days of opening by Bank of America. They also reported this fraudulently on my consumers reporting act, and on my credit score I have now become a bankable with normal banks because of this. Theyve made no attempt to correct this once Ive contacted them. During this time, several checks were attempting to be cashed or deposited into this account by the individual or individuals that open this account at via online access. This was not an account opened in person at a branch. This was done strictly online, using my information which was obtained fraudulently. All transactions were also done via the ATM or through mobile banking. Bank of America has had a long history of causing issues for its customers and creating acts of fraud for their own interests. This may be a case of that here, or of an individual simply opening account in my name, and using it to their own means, and will either case I do not care. I simply want this corrected as I am a victim here and not the perpetrator.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2023-02-06
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Recently I was scammed by a job opportunity and I was sent to checks one of them was returned for the amount of {$2000.00} the 2nd was for {$4000.00} which both checks I had deposited.The 2nd check was initially on hold when I spoke to someone named XXXX, she told me that by a certain date of it didn't come back that it would have went through. Then later I called the bank to see the status of the check. I spoke to XXXX from risk management and she explained to me that eventually it would get flagged and that she was holding it indefinitely for that reason. I had asked previously if I should contact the bank and I was told not to so I didn't. They did not clearly convey their responsibilities in regard to my account but rather to a third -party non-affiliate.The check went through initially, she placed it on hold for a 3 more weeks. I checked my account again and the check had went through and was in my account. I attempted to transfer money from checking to savings to clear my account balance when I was stopped and prevented from doing so. Security Service XXXX has done little to nothing in helping find a solution to my account. After the check has already been held for a prolonged amount of time. XXXX deliberately contacted the bank on the check and disclosed my personal account information in order to prevent the funds that were already in my account 2  times from being accessed with the sole purpose of denying access to funds in my account. The other bank was responsible for their accounts, XXXX disregarded my situation and my privacy.

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: KY
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 Account Number : XXXX Account Name XXXX & XXXX Account Number : XXXX Account Name XXXX 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-05-19
Company: CITIBANK, N.A.
State: NJ
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/2023 at XXXX XXXX, I contacted the Macy 's Credit Card Customer Service to ( 1 ) address a late charge that was charged on an account I continue to pay off in full and ( 2 ) to dispute a charge that was made on XX/XX/2023 for a transaction amount of {$47.00}. 

I did not authorize this transaction and the order did not align with my purchase history on my Macy 's account. I requested additional information about that particular charge and the representative could not explain who it was that made that charge or where the items were shipped to. The only information I was able to get was that it was an online purchase so I knew my account number had been compromised. The late charge was reversed and the dispute was filed. 

I was told that the compromised account would be closed and a new card would be issued. I received a letter that I would not be liable for the charge until the investigation was completed. However, that {$47.00} is reflected as the balance on the old account and was also transferred over to the new account. Additionally, I made a payment of {$210.00} which was the total balance at the time and the payment posted on XX/XX/XXXX. 

However, on XX/XX/XXXX that same amount was transferred on to the new account as a balance transfer. This is unfair, abusive and deceptive to double charge an amount that was already paid off the prior month. I called back on XX/XX/XXXX at XXXX XXXX and spoke to multiple representatives for a total of 1 hour and 43 minutes. 

The representative explained to me that the {$47.00} was reflected on my total balance even though the account activity shows as if it was credited. The math that was explained to me does not add up and I expect a clear, thorough, and accurate explanation as to how my current balance totals up to {$270.00}. Additional purchases/charges made on the account does not add up to that total. I am questioning Macy 's credit card accounting practices -- it is not credible.

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 2019-06-11
Company: Summit Financial Corp.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting inaccurate data to the major credit bureaus have disputed multiple times with each bureau. Requesting validation of said debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Atlanticus Services Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I ordered a replacement credit card on XX/XX/XXXX. The rep said it would go out the next day and I would receive it in 3-5 business days. After XXXX I called to see why I hadn't received it yet. The rep said they were having shipping delays and I'd receive it in 2-3wks from XX/XX/XXXX. I called the following week to get tracking and was advised that no cared had been shipped. I requested a manager who told me that I would not receive my card until XX/XX/XXXX. I called a week later, last week, to see if I could get another card overnighted to me or be told what the initial replacement card number was. I have several auto payments coming out of the account that have been rejected due to me not receiving a replacement card. I have no other source to meet these payment obligations. When the rep told me no, I requested a supervisor. This supervisor advised me that there was no record of me calling and speaking to any supervisor. I requested that the security dept call me back so that they could give me my new acct number. The supervisor told me that someone would call me back in 1-2days. I called back yesterday, a week later begging the supervisor for some type of accommodation to help me with the XXXX in fees that have accumulated due to the negligence of ASPIRE. She said she would research and call me today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND 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 THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Fidelity National Information Services, Inc. (FNIS)
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:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-12
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
My capitol One master card appears twice on my XXXX credit report. The last four of the card are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/23, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the 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 2023-03-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi so I am a small business owner of XXXX XXXX XXXX and I made the mistake of using Venmo for my first transaction with a new client that sent me a {$2100.00} deposit to start on his custom XXXX XXXX build project. This was on XXXX XXXX Venmo transaction id # XXXX Once I tried to transfer out the funds to my account and wasnt able to. Then I was emailed by the Venmo team on XXXX stating that my account is is frozen and I needed to verify myself ( which I now sent them my id that they asked for ) then on XXXX I got an email from the Venmo team saying after review my account has been permanently deactivated and my funds will be held up to 180 days for lost prevention and I will be emailed SHOULD THESE FUNDS be available for transfer in the future. 

Now my problem is I am a small business and I can not blame this on my client so I have to proceed with the project he has already send me a deposit for. Now when I finish and return the client his project which will be done way before the 180 day wait period, I want these funds to be lost or sent back to the client that Ive already dealt with apart from this incident, I will take a huge blow I cant afford. Please help someone needs to hold Venmo accountable for this just cause I makes the mistake of not making it a business account they hold people money and risk tarnishing XXXX XXXX like mine, they could have easily had a professional reach out and less us know what were doing wrong, this hurts me and my business so bad this was one of my first big clients and I almost cant afford to proceed his project cause Venmo is holding his {$2100.00} that I need to locate parts for his project. This is bad in every way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 non-monetary relief