BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. I did a thorough search of my own. There are inaccuracies after the credit bureau verification. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights Name of account XXXX XXXX  ACCOUNT XXXX XXXX Name of account XXXX XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX. 
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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years. 15 U.S.C. 1681 s-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 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 2024-01-02
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights and all inquiries needs to be removed immediately : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I enter my accounts online from my laptop, and I found out that were made XXXX XXXX XXXX that I did not authorized. 
On XX/XX/XXXX was added XXXX  XXXX with XXXX as a XXXX XXXX, and on that same day this person made a XXXX Transactions for XXXX $ and then another one for the same amount on XX/XX/XXXX. 
Then on XX/XX/XXXX, was added XXXX XXXX with XXXX as a XXXX XXXX, and on that same day made a XXXX XXXX for XXXX XXXX 
On XX/XX/XXXX, this same person added a new account with the number XXXX as a XXXX XXXX, and then on XX/XX/XXXX, made a XXXX XXXX for XXXX $ and another one on XX/XX/XXXX for the same amount XXXX XXXX 
This last transaction was still on processing according to what I saw when I went into my account that day, but even though I reported the claim, that transactions gone thru and the money was out on my account. 
This same person tries to made another XXXX transaction on XX/XX/XXXX, but because I did call and cancel all payments for my accounts and change my email associated to the XXXX XXXX, this transaction was stopped and did not go thru, thank XXXX. 

My Claim with the Bank has been rejected, the bank indicated that those transactions were made on a device consistent with previous valid account activity. 
I responded that I dont know how this person did it but those transactions were not authorized by me, That I never Added those accounts as XXXX XXXX and also that I had never done XXXX Transactions for those amounts, and in those transactions was not used the description line which I always use to describe for what and to whom the payment was for, and to have on my records, and when the Accounts were Added also they didnt use the Alias option which I always also use to facilitate searches and my records. 

Thereby because of all this information that I had given and explained, I would really appreciate all the support and help I can receive because that money is my lifesavings and it's not possible that someone can get into my accounts to make all these transactions that are clearly not my usual operations on the account and the bank just going to wash their hands giving me that response. 
I thank you in advance for your good offices, and I look forward to your prompt response. 
Best Regars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2023-07-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2023 I got a Target Credit Card. I asked what kind of inquiry would be used before I signed up. Turns out it counts as hard inquiry on some reporting files and a soft inquiry on others. Their app locks me out all the time so I can't use the card. Today XX/XX/2023 the card itself would not authorize and I could not reach any agent at 5 phone numbers. Their phone numbers are all set for Central/Mountain time office hours and I am in Pacific time . I was so disgusted about the card being locked I chopped it up after leaving messages through their " secure messaging '' in the app. 

If these people want me to have another credit card they will mail me a new card that I can actually use. I raised my credit scores through diligence from XXXX to low XXXX 's before I had their card. I wanted the major Target card with XXXX or XXXX on it but they cheated me and only gave me the store branded card with {$1100.00} credit limit. 

I live 1/2 a block away from their nearest store and shop there all the time so the security people know my face. Most of my money was being spent there. Not anymore. Learned my lesson. They don't want low income housed people in there when all their money comes from insurance because the homeless rob them blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: MoneyLion Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This all happened on Saturday XX/XX/XXXX. 

Somebody changed the phone number on my account and then made a bunch of instacash advances of {$100.00} and then paid it back using my linked debit card and then took out a bunch more advances and then did that once more. Over {$1700.00} in advances were made and over a XXXX dollars of it repaid from my checking account. I called and reported this right as I saw it. 

After getting off the phone with the support lady I saw an email that said the phone number on my account XXXX was used to connect to a DIFFERENT account and was then disconnected from MY account. I told the lady on the phone several times that that was NOT my phone number. So why, after I reported this was this phone number allowed to connect to another account?! How is that not flagged as suspicious activity? I have been unable to change my phone number back until today, XX/XX/XXXX. I was told that you cant change your phone number twice in one day for security measures. Well how about instead of that, you use two step authentication to change anything? Something that isnt offered with this service, and if it is I havent been able to find out how to use it. 

I have so many questions. After this person changed the phone number and then immediately after started making multiple large instacash withdrawals, why wasnt that flagged as suspicious activity? And after they paid back the advances and then made MORE advances, why was that not flagged as suspicious activity? When they used all of the advanced funds to make two large purchases from a place in XXXX XXXX WHY WAS THAT NOT FLAGGED AS SUSPICIOUS ACTIVITY? And why, after I called to report this fraudulent activity, was my virtual card still active? 

I spoke with a woman from their fraud department directly after I saw all of this and reported it to her. That was also on XX/XX/XXXX. I called and spoke with her at XXXX [ EST ]. Nothing was done then nor could anyone tell me what was going to be done. This person took thousands of dollars from me and made a bunch of cash advances in my name. This is very clearly fraud. The area code of the phone number they used when they changed the phone number on my account didnt even match the state that I live in. There were so many red flags that their system should have detected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 604A Section 2 : it also states 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion is not reporting my credit data correctly. They are showing my usage at 45 % and I am at 32 %. Transunion is reporting inquiries that should have fallen off. Transunion have my years of credit history at 2 years and my credit history is older than 6 years. The representative stated it was and no action would be taken. Transunion has my credit score from to my credit. Open new account drops your score. I then sent a letter to all drop to three credit bureau requesting the account closed by consumer and I spoke to Transunion with no high impact of change. XXXX and XXXX has my credit score at XXXX. 

Transunion reporting incorrect information is cause damage to my credit. On XX/XX/23 I received a letter from my creditor stating base on my credit history my line of credit has decease. XXXX XXXX used Transunion report to make this decision on an account that was given to me without applying for. My credit was so great with other products with XXXX XXXX. They gave me XXXX dollars care card. Now has decease to XXXX due to Transunion reporting my credit dropped to XXXX. I wrote and spoke to Transunion requesting they make corrections on my report and they states they can not change. They actions has cause me a financial hardship with my creditors. I have never missed any payments which shows on my credit report. I asked them to closed an account proving a XXXX balance and they state the creditor must close. I asked the creditor and no response.

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 2022-03-27
Company: TD BANK US HOLDING COMPANY
State: MA
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:
TD auto finance is showing as an account that not only has a balance but that is still open and that it was included in a bankruptcy, which dropped my score XXXX points. 

I disputed it with XXXX as well as XXXX around XX/XX/XXXX and its not changing. 

I spoke with TD auto on XX/XX/XXXX spoke with XXXX who said the account shows as a total loss in TDs computers thus there should be no more reports and account was reported as closed. 

XXXX claimed the dispute was finished on XX/XX/XXXX and didnt change the information. I contacted TD again on XX/XX/XXXX and spoke with XXXX who said again the account is closed as of XXXX with TD and yet credit bureau is reporting false information with the account still open as of XX/XX/XXXX. 

I have once again disbuted this with XXXX and XXXX and they are NOT FIXING THE INACCURACIES! They are ruining my credit score and doing nothing to fix the wrong information by saying its true when the company ( TD ) clearly shows different and correct information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Capital One Bank. I went into the bank on XX/XX/2023 to withdraw money. The teller at the bank said that because I am transferring money from my XXXX into my personal checking account that they may make me open up a business banking account. My XXXX is for my business which is a sole proprietorship as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She let me withdraw the money and I went on my normal day. This past Friday on XX/XX/2023 I went to withdraw money again and she said that they are not going to let me withdraw money from the checking account. She said they're making me open up a business banking account and move everything over to that. She was on the phone for about 45 minutes waiting for an answer from corporate. While she was doing that I sent her my sole proprietorship documents and waited. After a while I just told her to don't worry about it but I will wait until they open up the business checking account and then withdraw money at that point So I asked her when I could set this up to get a business banking account opened and she said the earliest that they had was on Wednesday at XXXX in the afternoon. So I told her to put me down for that and I would come in to open up a business checking account. That evening I went to go use my card to get gas and food, I found out that they Froze my account. I called corporate to see what was going on and they said because it's against their policies they locked my account down and they said that they would have to review it within 5 to 7 business days. I told him that this was my only checking account my only access the money and then I had to get medication for my XXXX this weekend and I needed some sort of available funds to be able to live off of and they said that they could not do anything for me. I resent them my corporation box and everything they asked for and they just told me that they would take 5 to 7 business days to decide what they wanted to do. As I did more research I came to found out that it's frowned upon but not illegal to deposit a sole proprietorship money into a personal checking account. I went in on Saturday, XX/XX/2023 asking to close my account with them and for them to release my funds to me and they told me that they could not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear CFPB and XXXX, On XXXX XXXX and XXXX XXXX, I performed a balance transfer through the RBFCU online in which I saw a promo offer of 0 % balance transfer. I understood that RBFCU was offering a balance transfer of 0 % in which there is no charge for the balance transfer and the transfer will be subject to the normal billing grace period. 

During the transfer, I did click on the terms and no where in the offer or terms which states that the balance will be subject to interest before the normal billing or grace period. It is normal that other financial institute display terms and conditions before you can click submit. In the RBFCU process, there was none such display of terms and conditions. 

So, when I submitted my balance transfer, I expected that no interest or balance transfer charge will occur. Instead I was charged an interest very shortly after my balance transfer as my billing statement closed on XXXX XXXX. 

As part of my complain, I enclosed screenshot of the RBFCU balance transfer process vs. XXXX XXXX. the XXXX XXXX clearly shows and make a customer aware of the rate and how to avoid interest charge. While the XXXX clearly lacks it and therefore, falsely mislead a customer. This is not acceptable. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have attempted several times to have inaccurate information removed to no avail. Names on my report are still incorrect. Address are incorrect. Employers are incorrect. Debts have been paid or settled yet negative information is still reflecting on my report. This information needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XX/XX/2019 30 DAY LATE, I ASKED THEM TO VALIDATE THE 30 DAY LATE, THEY FAILED TO SHOW PROFF, THERE IN CLEAR VIOLATION OF 609

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 2021-07-05
Company: Aspen National Financial, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
You made a decision to shut down the states which was good. You didnt make a provision for residents against timeshares who are financial XXXX. Aspen National Collect LLC from XXXX Fl ( XXXX & XXXX ; fax XXXX ; XXXX added additional charges to my maintenance fee & claim will continue if I dont pay them Maintenance Fee is XXXX & Taxes is {$190.00}. Their total is {$1600.00}

Company response to consumer: Closed with explanation