BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an identity theft issue from over 3 years ago someone is still using my name to apply for credit cards, cellphones, and car loans. I have filed an FTC and a XXXX Police report. My name is XXXX XXXX XXXX please delete any other names or variations of my name ( not my name XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX   XXXX OH XXXX. I dont not live at the following addresses and they are fraudulent please delete immediately : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 1914 XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the phone numbers they are not mine : ( 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 the following fraudulent account need to be deleted/removed : 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 This is the 2nd or 3rd time I have had to address this issue, I never received any documents or correspondence from any of these companies. I have requested a freeze on my credit as well and please opt my name out of any promotional offers!

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 2023-11-14
Company: OneMain Finance Corporation
State: CA
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 have reached out to OneMain multiple times previously in regard to the inaccurate information they are reporting on my credit. I am a victim of ID Theft and have sent the documents I have officially filed, at their request, and still have not seen the corrections that need to be made. They are neglectful in their duty to correct their mistake since they are unable to verify with physical proof of verification of the debt they are claiming to be mine, as required under Section 611 ( a ) ( 7 ). The subjected accounts details are below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Hello, I bank with Bank of America and I had a account for about 6 months. So I lost my bank card last week and i didnt notice until I received an email about somebody trying to cash a check into my account for {$40000.00}. Now Im XXXX XXXX XXXX, this is troubling for me for future reference. My account was closed due to such thing.

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 2021-12-06
Company: JPMORGAN CHASE & CO.
State: NC
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:
I had a reservation to stay at XXXX XXXX  XXXX, NC XX/XX/XXXX - XX/XX/XXXX. I checked in on the evening of XX/XX/XXXX with my dog. There was XXXX XXXX  in the parking lot and large groups of people loitering. I felt unsafe taking my dog for a walk being that I am a single woman. I went to the front desk to tell them. The man working there said " I am not the police, I can't control what people do in the parking lot, my job is to sell rooms. '' I told him I felt unsafe and needed to check out. He said I could have a refund for the remaining days ( even though I didn't even stay one entire night. ) He took my number down for the owner and said that it would not be a problem. I was never provided with a checkout receipt again, the front desk said a refund would not be a problem. I checked out around XXXX. The service I was promised, a safe place to sleep, was not provided by the merchant. My refund never arrived on my statement and I could not get ahold of the owner, so I filed a dispute for the refund amount, {$180.00}. It was temporarily credited to me, but then was re-billed on XX/XX/XXXX. I received no message in my account or letter in the mail notifying me of why my dispute was denied. I called customer service on XX/XX/XXXX and they stated that a letter would be mailed with an explanation, but it never was. They said that the merchant said I stayed at the hotel all three nights, but that is a fabrication. I faxed a letter to appeal their decision on XX/XX/XXXX. It went through successfully, but it has been ignored. The {$180.00} needs to be credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I looked at my credit report and saw an unpaid balance of {$1600.00}. I havent had a XXXX account since XXXX or XXXX. This account was opened by someone other than me. I disputed the transaction with the company on my credit report and they said the debt is valid. I did not open this account. At the current time this account was opened, I was with cricket mobile for my personal number and boost mobile for my business number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

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 2022-06-13
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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX ACCT # XXXX XXXX XXXX XXXX XXXX : Has violated my rights 15 USC 1681 section 602 A states. I have the right to privacy 15 USC 1681 section 604 A section 2 also states consumers agency can not furnish a account without my written instruction

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 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been reaching out to these companies trying to verify and correct inaccurate items reporting on my credit reports. When I reached out to the credit bureaus they replied back that the accounts were verified and reporting accurately. Then I reached out to each individual company because there is no way things are verified as accurate when there are missing account numbers, wrong credit limits and credit balances, missing fields etc. 

When I did hear back from the companies some sent a print out and some refused to respond to me at all. All of these companies are reporting inaccurate information on my reports which is a direct violations of my rights as a consumer under the FCRA. Not only that, these companies or either the major credit bureaus are lying cause they both are saying its accurate but according to my credit reports I have found several violations. Not only that one of the companies closed down years ago, so my questions is how was that verified and whom did they contact to verify this account with XXXX XXXXXXXX XXXX. I am very upset at this unlawful reporting.

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 2023-11-09
Company: Certegy Holdings, LLC
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went to XXXX XXXX in XXXX IL to cash a check for cash to go and wash clothes and my check was declined by this bunch of crooks XXXX XXXX XXXX who I have reported for the same in the past as gave thousands of others but they continue to stalk, harass and report incorrect information on myself and thousands of others across the country to prevent us from being able to have access to our accounts or use our funds!!!! Contact them now and make them remove my information from their system!! I am also contacting a lawyer about suing 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 explanation
Consumer complaint received 2023-01-06
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: Investigation took more than 30 days

Complaint:
XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.

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 2020-05-23
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On the date of XX/XX/2020, I was charged {$120.00} by transferwise for a " cash advance ''. Transferwise never disclosed that I was being billed for a " cash advance ''. I never received the services from the merchant that was sent the {$120.00} payment, so I can not dispute this charge with my credit card company because I was never told this charge would be treated as a " cash advance ''. I attempted to call Transferwise customer service to explain the issue and they stated that they could not help me since their company does not support disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXXXXXX 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 explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, 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 dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I started a cryptocurrency account with Binance.US in XXXX making an ACH transfer for XXXX dollars total. My bank rejected the transfer causing a chargeback. I immediately fixed the chargeback adding XXXX dollars via debit and XXXX via XXXX making my balance XXXX dollars. Binance XXXX my account and is now holding my assets. I have been trying to access my assets for 2-3 months now but there is no support number. I emailed binance but they refuse to restore access to my account saying yes my chargeback back were paid but they cant allow me to withdraw or trade my assets unless i send them my bank statement, Account Number, Driver License My account is fully verified and i dont owe them any money. Giving them my Bank statement, account number, driver license make me vulnerable to Identify Theft. If my account is paid no chargebacks owed and i went through the verification process why are my assets inaccessible?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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 # 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 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 the a consumer reporting agency can not furnish a 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 2020-03-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been having a problem with JPMorgan Chase bank about some fees they applied. I called them numerous times to get it resolved and each time I thought I was done until the next statement, when more fees would show up. 

After 18-months of this, I wrote to Chase and told them I will not longer make any more payments and all payments would be held in a separate account until this issue is once and for all resolved. Chase responded with a notice to foreclose on my property. 

I am going to retain a lawyer now to fight them, it is not a question of not being able to make the payments, it is an issue of Chase trying to cheat me in spite of numerous attempts to resolve this issue amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am unaware of theses inquiries. I am trying to buy a house and this is defaming mu character. pre 15 USC 1681

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 2021-12-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2021, Equifax is reporting the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX on my consumer credit report as a previous address. I have never lived at that address. I have disputed this once. Equifax reinvestigate this matter and mail me the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Dear XXXX, Subject : Unauthorized Deduction from My PayPal Account I am writing to formally bring to your attention a matter of utmost concern regarding my PayPal account and an unauthorized deduction that has taken place. 

My name is XXXX XXXX XXXX XXXX, and I created a PayPal account " XXXX '' in XXXX of this year. Unfortunately, after using my PayPal account for a few weeks, it was unexpectedly limited, with approximately {$2000.00} in my account. I was unable to resolve the limitation and some senders filed chargebacks totaling {$600.00}, resulting in a balance of {$1400.00}. 

As the 180-day waiting period passed, I received a notification that my funds were eligible for withdrawal. However, upon checking my account, I discovered that my balance had been reduced to {$1200.00} instead of {$1400.00}. 

Upon further investigation, I adjusted my transaction filter to cover the period from 90 days to a year, and I uncovered a disconcerting revelation. PayPal had transferred, or in simpler terms, deducted funds from my balance, claiming that it was a " negative balance. '' I would like to emphasize that I do not have any other account in my name with a negative balance. 

This situation is deeply troubling to me, and I believe it amounts to a case of financial mismanagement and potential theft of funds. I have exhausted all possible channels of communication with PayPal to resolve this matter but have received no satisfactory response or resolution. 

I am reaching out to the Consumer Financial Protection Bureau for assistance and intervention in rectifying this issue. I kindly request that you investigate this matter and help me recover the funds that have been wrongfully deducted from my PayPal account. 

I have attached relevant documents and evidence to support my claim, and I am willing to provide any additional information you may require to facilitate your investigation. 

I look forward to a prompt response and resolution to this matter. Thank you for your attention and assistance in this regard. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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