BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging USDA XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX {$25000.00} ; XXXX XXXXXXXX {$2000.00}.

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 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
About mid XX/XX/2018 I contacted Transunion in regards to unreported accounts I have and asked how I can get them on my credit report. I was told to mail to them all the information needed such as company name, account history, and such. I did this and now when I call Transunion, they now tell me they are unable to add these accounts to my report, it must be the creditor who adds it. 
I am disputing incorrect information on my credit report, which by law I am allowed to do, incorrect information is not limited only to what is reported. If something is missing it does not properly reflect an accurate or close to accurate portrait, thus, basically making the credit report useless to begin with. 
Transunion is suppose to open a dispute and investigate the information. They have basically told me they will not be investigating the provided information because the creditor was not the one who provided the information. 
This is just wrong to continue to work against the people on issues that are so extremely important as a credit score. 
A simple phone call to the creditor to confirm the account is in fact real is not difficult to do.

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 ACC 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. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chime bank refused to update my account balance after a refund was posted from XXXX. They even went as far as to say I spent it after I reported multiple unauthorized charges on my account from XX/XX/XXXX to XX/XX/XXXX. The was {$180.00} refunded to my spending account which should have brought the balance to {$190.00} if the had updated it. Also I withdrawal of {$49.00} was made by XXXX XXXX after the card was reported stolen the 1st time to Chime bank. I do have XXXX and feel discriminated against by the way they responded to me when I spoke to agents on the phone. Their refusal to fix the issue is evidence of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}

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
Consumer complaint received 2023-05-19
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We are having a problem with the Company Affirm and XXXX trying to collect money thats not owed to them and they have already been refunded back already by the vendors XXXX XXXX and XXXX XXXX. Affirm is trying to force us along with XXXX to pay money we do not owe and damage our credit with this collection they have on us. 
In XXXX of XXXX my husband and I went on to XXXX website to book a flight from XXXX, XXXX to XXXX Florida for dates XX/XX/XXXX XX/XX/XXXX. The first booking was made on XX/XX/XXXX, under XXXX Trip number XXXX in the amount of {$540.00}. The company Affirm was the loan Payment Company under XXXX XXXX in which XXXX was the merchant. When you book with them the reservation is paid in full to the Airline by a credit card XXXX or Affirm and you make your loan payments to Affirm. I never during the transaction ever provided a credit card or anything just my back account to be drafted for the payments from Affirm. 
On XX/XX/XXXX, we canceled this flight due to medical reason which is allowed with the airline as long as we can provide the medical documentation with it. My Husbands Medical Doctor did provide the medical documentation reason letter to why he wasnt able to fly. I have provided Affirm, XXXX several times documentation showing on XX/XX/XXXX @ XXXX XXXX XXXX booking cancellation and a refunded back to them under reference Code XXXX. XXXX XXXX also cancelled on XX/XX/XXXX, under reference XXXX XXXX. The company Affirm is trying to say Im not allowed to cancel a flight regardless of my husband medical condition and price line is supporting it. All of this detail information was also disused with XXXX Manager XXXX XXXX XXXX  XXXX and XXXX in Travel department who refuse to give her Employee ID. 

We have received letters from Affirm stating during their dispute investigation that we are responsible for the loan still. Since we couldnt get closure with Affirm we contacted our attorney and they sent them a letter XX/XX/XXXX, disputing the collection. It wasnt until XX/XX/XXXX, that we got a response back from XXXX XXXX Legal/Agency Complaint Specialist of XXXX XXXX XXXX ( See attachment ) The information he provide is false because we never provide a credit card. On XX/XX/XXXX, we contacted both XXXX XXXX and XXXX on a record call asking them to verify the credit cards they refunded. We gave them every credit card number we owed and none of our card is the ones used for the reservation or the card they refunded. The information XXXX XXXX XXXX is a complete lie. We reached out to XXXX XXXX XXXX and Affirm on XX/XX/XXXX, and as of this day XX/XX/XXXX, we have not heard back from him or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
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:
Initial Complaint :  XXXX   XXXX  provided me with  XXXX   XXXX  contact information from on  XXXX   XXXX ,   XXXX  . I did not receive the above contact information prior to filing my complaint to the CFPB.  XXXX   XXXX ,   XXXX   is the first date I received contact information on  XXXX .     Everything listed above and performed by  XXXX   XXXX   XXXX  appears to have been done recently, after the derogatory credit reporting in  XXXX  and  XXXX . There are no dates listed above regarding the investigation and/or notification prior to my complaint with the CFPB. Again, derogatory information was submitted prior to me receiving any documentation or letters regarding the resolution of the fraud investigation.     I contacted  XXXX  more than  twenty " 20 '' times (  prior to my CFPB complaint ) regarding this issue via telephone,  XXXX , and fax. Moreover, I specifically informed  XXXX  that my cell phone, along with other things, had been stolen and personally gave you an alternate contact number.     Additionally, I was actually told in  XXXX  that this card was cancelled by a  XXXX  representative and actual items on the card were disputed. Negative information should not have been reported to the credit bureaus if the credit card account was under investigation, and/or I was not aware of the results, and/or I was under the assumption that the card was cancelled.     Thank you.     email :  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 explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: MI
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:
Somebody is using my name an information. I have 4-5 inquiries on my credit that I did not approve. All of XXXX inquiries was not me along with any inquiries from XXXX. Totaling about 2500 in debt. I need to speak with someone ASAP. I can be reached via email @ XXXX or through phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently obtained my personal credit report from your organization and discovered that an unauthorized inquiry has been made. I then mailed a letter to the credit bureaus requesting the information on my credit report be investigated and removed if found to be valid. None were removed and I was not sent back the how too 's of what was used to investigate my request.

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 2023-05-19
Company: Affirm Holdings, Inc
State: CA
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:
Affirm reported 2 late payments over 60 days in XXXX to XXXX. The company spoke to one of the account holders and due to financial hardship, agreed to allow these payments and assured that they would not be considered late or affect credit. 

I have an excellent payment history aside from this and would never have allowed these delinquent payments. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or text messages that payments were due or late, which is how they would have alerted me to it ). 

XXXX has declined multiple disputes and I am hoping to have these removed as the company provided inaccurate information and now refuses to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-25
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  ACCOUNT # XXXX SOLD A DEBT TO TRUEACCORD A COLLECTION DEBT COMPANY THAT IS TRYING TO COLLECT A DEBT ILLEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion, XXXX, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX XXXX XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} Ad XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.

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 2023-04-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a installment contract where they stated that this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BAM Management US Holdings Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Binance.us arbitrarily deactivated my account and I am not sure if any funds remain in it -- I have a times had six figure balances there, so I need to get it to verify the value of my account and get any remaining funds out. Second, I need my transaction data so I can do my taxes. This company is a fraud, others have had this happen to and there is no one to contact. They are ripping off consumers. Please help, I only need access to verify my funds are cleared out and to get my transactions for taxes. Thanks, XXXX XXXX XXXX is the email chain with Binance, I have tried before and they just go silent and never respond ( note newest message on top, original message at end ) I wrote : XXXX XXXX, 2022, XXXX PDT Filing a complaint against Binance.us with the Consumer Financial Protection Bureau ( CFPB ). I expect a response to this matter and to gain access to my account to get transaction data and verify no remaining funds. Binance.us is committing financial fraud. 

No Response from Binance I wrote : XXXX XXXX, 2022, XXXX PDT I need my transaction data, where do I get it. And how do I verify that there are no longer any holdings in my account and that Binance.us isn't just stealing my funds? 
Please advise. XXXX XXXX XXXX No Response from Binance I wrote : XXXX XXXX XXXX XXXX PDT I do not understand. I have no ability to get into my account to even check for account balances or to get my transaction data to complete my Federal and State Income taxes. You are not abiding by the law, I have rights, you have obligations. I will seek remedies and turn your over to the SEC, and the DOJ if this is not immediately resolved. XXXX XXXX Binance wrote : # #- Please type your reply above this line - # # Upon completing a review of your Binance.US account, we regret to inform you that we will no longer allow you to use Binance.USs services. 
We have closed your account due to a violation of our Terms of Use ( https : //www.binance.us/en/terms-of-use ). Our decision was based on numerous factors, including but not limited to our commitment to abiding by all Federal and State laws and regulations, as well as adherence to our own policies and procedures. Unfortunately, we can not elaborate on why we have made this decision. 

Please note you have XXXX hours to withdrawal any account balance remaining on your account. Thank you for your understanding. 
This email is a service from Binance.US. Delivered by XXXX XXXX XXXX ] I wrote : XXXX XXXX XXXX  XXXX PDT I have been locked out of my account for some time now and put in other requests to restore my credentials. I have need to trade and also need access to my transaction data for taxes. Please advise asap, I need to do my taxes. I can be reached at XXXX or XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX I received a Square Debit Card ( issued by XXXX XXXX XXXX  in my name that I did not apply for. It appears to be a business debit card and also appears to have my first name on it followed by the word " XXXX ''. I immediately ( XX/XX/XXXX @ XXXX ) contacted the Square XXXX XXXX Customer Service XXXX ( XXXX ) and " XXXX XXXX ( sp ) transferred me to the Banking Department after I explained the issue. I then spoke with " XXXX '' ( sp ) who took the 16 digit card number and said she would send the information to the Fraud Department and also close the account. I asked for confirmation of the closure and/or a letter from the company confirming closure due to fraud and that this account was opened without my knowledge or consent. She told me it is not Square 's policy to reach out to the complainant, which I told her I was not happy about and would be contacting the FTC. I am not comfortable with a company saying they will close a card fraudulently opened in my name without confirmation.

Company response to consumer: Closed with explanation