BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a {$3000.00} cash deposit at XXXX on XX/XX/XXXX at the atm machine XXXX. The atm machine malfunctioned and then I received a receipt for the transaction which did not note the amount of the transaction and said " A machine error has occurred, and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the number of the back of your card ''. 

I did contact US Bank and filed a dispute. However, the funds are not available and now my account is severely overdrawn and the bank has not credited my account for either the deposit OR overdraft fees leaving me in a serious financial situation. 

The branch manager at that location said there was nothing he could do which I've now found out is not true. I need this resolved immediately and not wait 10-45 business days like the bank is telling me. I deposited cash, not a check. The atm accounting for XX/XX/XXXX needs to occur and one should be able to clearly see me count out the money in front of the camera as that is XXXX when i deposit. Additionally, my banking pattern clearly shows that every other Friday I make a large ( $ XXXX $ XXXX ) deposit at a US Bank ATM . 

US Bank has completely stonewalled and has made zero progress and on my follow up calls they just say there is nothing they can do to expedite which is completely unacceptable and unfair to me the consumer. This is 100 % US Bank 's issue and not mine so I shouldn't be the one penalized. 

I am requesting that my account be credited for not only the {$3000.00} deposit I made, but clear ALL overdraft fees incurred in the months of XX/XX/XXXX and XX/XX/XXXX as a result. 

It is unfair and unjust to penalize the consumer for the bank 's mechanical failures on their ATM at one of their branches.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
the following information being reported on my credit report that do not belong to me and are results of identity theft. 
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX {$0.00} - - - The following inquiries are unauthorized and must be removed. 

Name Requested On XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: WI
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:
On or about XX/XX/XXXX I called Equifax to disbute a medical collection under {$500.00}, that has been previously removed by XXXX  and XXXX and is reporting to my Equifax credit profile. 
XXXX XXXX XXXX XXXXXXXX is attempting to collect a medical debt for XXXX XXXX in the amount of {$410.00}. 
Equifax reinvestigation concludes the debt valid but failed to address the original complaint that the allege debt is under the new ( XXXX ) rule excluding medical debt reporting under {$500.00}. 
Matter of fact the " reinvestigation '' does not even include verbiage to suggest my specific complaint. 
Furthermore the " reinvestigation '' did not address the issue I complained about nor did it capture the fact that XXXX  and XXXX have recently deleted this item from my credit profile. 
Ultimately, this item is being reported erranously and not equally across the 3 credit bureaus and for the 2 reasons given I would like this item removed from Equifax credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Fig Tech Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Fig Loans opened a loan without my authorization. This loan was opened from an Identity Thieve, and Fig Loans was already made aware of it. Fig Loan 's ( Fig Loans Texas ) Is stating to XXXX and XXXX that I owe them {$1500.00} Which is incorrect, This loan is fraudulent. I do not owe them {$1500.00} I have never owed them any loans for XXXX This is a lie and being reported inaccurately to the credit bureaus. I have attached an identity theft affidavit below. I do not owe Fig loans any money, and I did not apply for any loans with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: JPMORGAN CHASE & CO.
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:
I purchased XXXX  XXXX tickets for my family members with my chase credit card. The tickets were not honored because my family members did not have my credit card physically present while boarding.The manager on duty on XXXX XXXX flight # XXXX  XXXX from XXXX to XXXX on Friday XX/XX/2020 did not allow my family members to get on board. No boarding pass were issued. My family members were present at the counter and were denied boarding. The surveillance cameras at the counter will show that all of them were present. One of my family member sent feedback to XXXX XXXX online for the problem they were facing. Due to COVID-19 my family members were stuck at the airport for five days.There was no way I could have sent them the original card. I called via video link to speak to the manager on duty. I sent him copy of my ID, showed my original card but he refused! It was an emergency. I could not let my son and other family members sit at the airport any longer.I had to purchase new tickets for them to go home. Please see attached copy of new tickets from another airline. 
I tried to contact XXXX XXXX numerous times but due to COVID, my calls could not get through. I even made visit to their office in XXXX XXXX but I could not get any help. 
I disputed XXXX XXXX tickets transaction number XXXX for the amount of {$3900.00} dated XXXX with my chase credit card. The XXXX XXXX never provided the services by not allowing my family members to board on the flight. Chase denied my dispute stating that " The Merchant has provided the information showing they believe the charge you are disputing is valid ''. 
The only information was provided that the flight was on time to XXXX! 
I requested the credit card company ( Chase ) to ask the merchant to provide the boarding passes if the services were provided to my family. But no response! 
Please contact me if you need any additional information. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-09
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX I called Synchrony Bank about my XXXX XXXX XXXX card to request an interest rate reduction, they denied me. I then requested to be put on their Customer Assistance Plan to close my account, which stops the interest, has no late fees and allows a lower minimum monthly payment until paid off.. They denied me. I explained I've struggled the past 12 months with increasing medical bills due to my XXXX. The company that I order my XXXX XXXX from every 3 months is XXXX XXXX in XXXX, XXXX. They ( XXXX ) are owned by XXXX XXXX and they charge very large fees ( up to {$1000.00} ), I applied for the XXXX XXXX Financial Assistance program and was accepted XX/XX/XXXX, but the XXXX company refuses to honor it and won't send my orders. This is the only company my employers insurance will work with. So when they won't send my orders I have to pay with a credit card. Now I am so far in debt that I can't keep up on my payments, although I haven't missed any payment this year or been late, that's not going to be the case next year.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint against TransUnion regarding their failure to conduct a proper investigation into inaccuracies on my credit report. Despite my attempts to resolve the matter with TransUnion XXXX directly, they have not addressed my concerns, and I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I submitted a dispute to TransUnion, outlining specific inaccuracies in my credit report, such as incompleteness, inconsistent data on my credit report. These discrepancies have a significant impact on my creditworthiness, and I have a legitimate expectation that TransUnion will fulfill its obligations under the FCRA to investigate and delete such inaccuracies. Despite the FCRA mandating that credit reporting agencies conduct a reasonable investigation within XXXX days of receiving a dispute, I have not received any communication or resolution from TransUnion regarding my dispute, This lack of response is not only a violation of my consumer rights but also a failure on the part of TransUnion to uphold its legal obligations. I have made numerous attempts to contact TransUnion through their customer service hotline and online dispute resolution system, but these efforts have been in vain. The lack of responsiveness from TransUnion has left me frustrated and concerned about the potential negative consequences these inaccuracies may have on my financial well-being. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TransUnion for their failure to conduct a proper and timely investigation as required by law. Additionally, I seek your assistance in ensuring that TransUnion rectifies the inaccuracies on my credit report promptly. I may also seek additional complaint if Transunion fail to comply with my dispute. I appreciate your attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These accounts are incorrectly being reported and I demand that they be removed from my credit report or updated to reflect a balance of { {$0.00} }. I have reached out to the creditors regarding the validity of these debts, but they have not provided any proof of the charge off. While I am looking over my credit report, I have noticed that these accounts are not being reported accurately, and I believe that they are inaccurate, erroneous, incomplete, or unverifiable. The accounts in question are : XXXX XXXX  XXXX. It is worth noting that other bureaus have already removed these accounts from their records after I disputed them. There was an error present, and they were able to find it. I am confused by the fact that you have verified these accounts while the other bureaus have already removed them from their records. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/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 2023-12-09
Company: EQUIFAX, INC.
State: FL
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 hope this letter finds you well. I am writing to address a matter of utmost importance regarding my account with XXXX XXXX XXXX XXXX, account number XXXX. 

Upon reviewing my financial records, I have identified discrepancies in the reporting of late payment dates, specifically in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the United States Code, specifically 15 U.S. Code 1605, a finance charge is defined as the sum of all charges imposed directly or indirectly by the creditor in connection with any consumer credit transaction.

It has come to my attention that the aforementioned late payment dates are in violation of the regulations outlined in 15 U.S. Code 1605 ( a ), which specifies that finance charges should encompass all charges payable directly or indirectly by the person to whom credit is extended. Consequently, any late payments resulting from a finance charge should be rectified, and the associated entries removed from my consumer report.

In accordance with my rights as a consumer under 15 U.S. Code 1605 ( a ), I demand the immediate update of my accounts to reflect the accurate status of " paid as agreed. '' Failure to comply with this request within a reasonable timeframe will compel me to seek monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). Please be advised that I am prepared to pursue this matter in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

To further address this issue, I have already submitted a formal complaint to the Complaint portal for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

I trust that this matter will be rectified promptly, and I appreciate your immediate attention to this serious concern. Please confirm in writing the actions taken to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

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 2023-01-11
Company: LD Holdings Group, LLC
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:
Loandepot.com is currently reporting 2 mortgage accounts on my credit file. Both are showing XXXX late payment but each account is reporting a different date. I have already provided written proof to Loandepot.com via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : LOANDEPOT XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : LOANDEPOT XXXX- this account transferred XX/XX/XXXX to LOANDEPOT XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that Loandepot.com is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to loandepot.com several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
DeaR SIRS : WAS REVIEWING MY CREDIT REPORT AND FOUND NUMEROUS INQUIRIES WHICH WERE NOT AUTHORIZED BY ME, AND DID NOT APPLY TO THEM! 
LIST AS FOLLOWS : 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-REPORTED AS FRAUDULENT ACCOUNT ON FTC REPORT # XXXX. 
XXXX. ONLY APPLIED TO XXXX XXXXXXXX XXXX FOR AUTO LOAN! AND ALL THE REST OF THESE INQUIRIES SHOWED UP, PLS REMOVE UNAUTHORIZED INQUIRIES!

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 2022-12-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. Here is the account mentioned above : 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 explanation