BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 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 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 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 2023-07-29
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
" Interest free '' credit offerings by Synchrony Bank are available through numerous merchants. While there is a disclosure regarding terms offered during the application process, those documents are not available within my on-line account ( or, if there, are not easily accessible ). 

I logged on to review my account upon being notified of my first payment and its due date. The full balance is clearly displayed as is my " minimum payment '' amount. What is not displayed is the expiration date of the interest free term. Also, the minimum payment is lower than that required to retire the balance at the end of that interest free term. 

In my case ( using approximate values ) I have a balance of {$15000.00} with an 18 month interest free term. My minimum payment is {$500.00}. If I pay the minimum payment every month I will have drawn my balance due down to {$6000.00} by the end of the term ( {$500.00} x XXXX = {$9000.00}. {$15000.00} - {$9000.00} = {$6000.00} ). 

At that point, I will begin accruing interest at 30 % per month on the {$6000.00}. 

The deception is in the opaque nature of the obligatory balance that will remain if only the required minimum payments are submitted. The site should clearly show the impact of doing that as described above, and also show the monthly payment required in order to pay the balance off at the end of the interest free term. 

Note that the company reported profits of {>= $1,000,000} for the second quarter of 2023 of which {>= $1,000,000} was returned to investors.

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 2021-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I ordered a physical product from XXXX for {$1000.00}. After several days and it still not delivering to me I called Bank of America on XXXX and again on XXXX and several times since then requesting to file a claim to dispute the charge. 

I am repeatedly being told that the type of charge that it was could only be disputed by me and a representative would not be able to help. I learned that this is a lie and illegal, your bank should never deny to file a claim for a transaction that you find questionable. I went into the branch at XXXX XXXX XXXX XXXX and they also refused to file a claim for this charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX recently reviewed my credit report and I found unauthorized number wrong accounts listed on records etc will be attached in files

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/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 2022-06-15
Company: Experian Information Solutions Inc.
State: DE
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 XXXX Bank XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. 

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 2023-01-05
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX currently sent me a letter about if I close my account and do not pay they will sue. I want my account closed due to Identity Theft. The Public Act says close your account when Identity Theft occurs notify the account company and have them send you IdentityTheft papers. 
I am having a run around with customer service not flagging my account with Identity theft during the investigation so they will not lower my credit score.

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 2019-03-26
Company: Experian Information Solutions Inc.
State: NY
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:
My student loan from XX/XX/2014 to XX/XX/XXXX shows that I was late on my credit report. I attended school before this date and after XX/XX/2014 I was told that my loan was deferred and it would be backdated from XX/XX/2014. I look at my report and it still shows that I am late. They have updated my XXXX   report and removed the late payments. I have disputed this with all three credit bureaus and they still show up late in Experian and XXXX please fix this. I know that there is a dispute with the Attorney general with the XXXX student loan from the college I went to. Although I want my credit report to be updated please. I am aware of the law suite many years ago involving XXXX with not disclosing information to students on other behalf when you need a deferment or even letting students know of there option I am sure this is what happen and this is a mistake please remove the late notes in my report

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

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. Or a 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 2022-01-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX  is still reporting this fraudulent information to my Equifax and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the past two years, I have been unable to access my credit report, file disputes, freeze and unfreeze my credit on the Transunion website. For over two years I have been calling and writing and every time I call the customer service representative states that they will escalate the situation and someone will call me back within 72 hours, for the past two years no one ever called me back and the error has not been fixed. Transunion is intentionally making it difficult for me to view and access my credit report, file disputes, and add and remove a security freeze. I can log in but I cant access anything, Transunion is refusing to fix the issues or address the problem. On XX/XX/XXXX, I was unable to unfreeze my credit to apply for something and Transunion requested that I mail them a copy of my ID and Social Security card which I did, and in that letter, I stated that am unable to view my credit, file disputes, or unfreeze my credit report in that letter and still nothing has been done, no calls no letters. It appears that Transunion is willfully ignoring and intentionally not wanting to resolve the issue.

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 2023-05-18
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank Chase Bank issued an debit card not requested by me because I have my debit card with me and I use it often to withdraw cash overseas. When I looked at my online bank statement on XX/XX/2023 and XX/XX/2023, I found that there are fradulent charges over XXXX on my debit card made in businesses in New York state. I called Chase immediately to report the charges and file a complaint to get refund on the charges. That's why I found out that Chase has issued an debit card to someone other than me. Chase rejected my complaint and refued to refund me the stolen money from my checking accounts. Employees at Chase have not been helpful and refused to give us any information when and how the debit card was requested. I am sad regarding how a big bank handled my complaint and taken advantage of us weak customers. I hope that cfpb will help me find justice and have the bank return my living savings to us. In addition, I have filed compalint with the FTC and New York Attorny General Consumer Frauds Bureau. Below is the list of fraudulent charges with date, business name and amount. 
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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Ditech Financial LLC
State: NJ
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:
Good afternoon ... I was examining my credit report from XXXX & I noticed I had one negative report on my credit report from Ditech Financial. Details of the XXXX  credit report ( with Ditech as the vendor ) state I was 30 days late on my XX/XX/2017 mortgage payment. I contacted XXXX dispute resolution dept. and placed a request to have the error corrected. Ditech did not correct the error on the resolution report produced by XXXX. I attempted to contact Ditech directly but could not find a phone number or web address to remedy my complaint. As the attachment indicates, Ditech documents they received my XXXX payment on XX/XX/2017, within my 15 day grace period. Because the payment was received within the 15 day grace period and since no late fee was imposed I believe my payment was not late and the negative report should be removed from my record. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment updated from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The itesm need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/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 2022-12-30
Company: CITIBANK, N.A.
State: FL
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:
Im a card holder of Macys and in XXXX several packages were received with missing items. I stayed the complainant which isnt my fault that either I had a porch pirate or XXXX was stealing my packages. Now theyve cut off my online purchases but I can go in the store however I dont even reside in a city that has a Macys.

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 2023-03-27
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I submitted a deposit into my XXXX  account in the amount of {$1900.00} to cover the cost of 1 ethereum. After hitting submit my account showed that I had {$1900.00} in my assets so that's when I went ahead and purchased the 1 ethereum. Once I purchased 1 ethereum my account went from {$1900.00} to over {$3700.00}. I freaked out and spent the next several hours with 2 different online chat agents asking why my account went from {$1900.00} to over {$3700.00}. Neither one could answer me. This whole scenario was on Saturday, XX/XX/XXXX. On Monday, XX/XX/XXXX my personal checking account had 2 transactions from XXXX. One in the amount of 1 ethereum and the other transaction for {$1900.00}. I didn't authorize this. I put a stop payment on the {$1900.00} because XXXX  already took out the money for 1 ethereum. That's when XXXX  put a hold on all my money until I paid another {$1900.00}. So I paid the {$1900.00}. 

Now as of XX/XX/XXXX, they still have all my funds on hold and refuse to give me an answer why or let me know when I'm able to access my funds. I don't deserve this.

Company response to consumer: Closed with explanation