BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: In progress
Consumer complaint received 2021-08-28
Company: Chime Financial Inc
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 a purchase was made on my chime credit builder card for {$240.00} from XXXX that I did not authorize. I filed a complaint with chime and a few days later I was told that they didnt find any error and they were closing my dispute and not reversing the charge. I asked for the documents they used to determine there was no error and they sent me a letter stating that they called the merchant and the merchant said that my name billing address and email were used for the purchase ( letter is attached below ). I have never done business with XXXX. Chime is giving me the run around so they dont have to re open the dispute. They said if I send proof that I didnt make the purchase they can re open. When I ask what proof to send because o didnt make the purchase. they say anything to prove that but not giving me specific documents. Ive sent my web browser history, my emails showing I have never received and email from XXXX  and they keep saying thats not sufficient but. It telling me what to send in a case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/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 2021-10-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was doing a little side hustle for some extra money. People would send me money on XXXX. I would buy bitcoin with the money they sent and keep a keep an agreed cut. The people then made false claims to chase that I committed fraud and they got their funds back and the funds were removed from my account. The people lied to chase. So they got to keep the bitcoin and get their money back XXXX XXXX and making my account lose {$690.00} and go {$100.00} negative. I contacted chase about this situation multiple times and they tell me I lost the dispute and that there isnt much they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NY
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 XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX BANK Account # 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 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 explanation
Consumer complaint received 2021-10-07
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: Investigation took more than 30 days

Complaint:
I have submitted numerous forms to XXXX regarding identity theft XXXX and unotherwise XXXX  increase on my credit report I have also notified experience and XXXX who the phone do tperform due diligence and removed such inquiries without hassle hassle XXXX refuses To remove increase even though the other 2 credit bills have done so Due to the assessive inquiries on my XXXX  I'm unable to receive funding which is necessary to provide for my family causing it it extreme hardship and I desperately need this resolved I have a total 3 inquiries on my XXXX and experience but I have 35 on XXXX which is evident that there is something going on and changing refuses to supply me with proof that such inconvenience are indeed verify despite correspondence I have it's called response I have submitted requesting asking for such 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 2022-04-20
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
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:
There is an installment account that is reporting an incorrect account status, incomplete payment information and an incorrect balance. I have asked the credit bureau to provide verification to show proof by providing me with the original contract signed and dated by myself with an ink signature along with my statement history and I still have not received it. Yet in still this account has remained on my credit report damaging my credit worthiness to other creditors. I submitted several disputes about this account with Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also filed a complaint on the CFPB website on XX/XX/XXXX and I have not received a resolution. If you look at the payment history for this account on my report it reads it was placed in collection on XXXX of XXXX. If that is true how is it on XXXX of XXXX it begins to read as an open account and is 120 days past due up until today. In XXXX my report stated the balance was {$19000.00}, now the balance has been lowered to {$13000.00}. This clearly indicates there was a discrepancy in what was reporting however, Experian never sent anything to say why the balance was changed, show proof the balance that is reporting is in fact correct or explain how an account changed from closed to 120 days open after 3 years and 8 months. I have pictures to upload the dates and responses from the disputes along with what is showing on my report. I am requesting this account to be removed completely from report as it has done tremendous damage to my credit for 6 years now.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take note of the documents attached and commence an investigation into the erroneously reported late payments.

Company response to consumer: In progress
Consumer complaint received 2021-10-07
Company: PNC Bank N.A.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to PNC bank I am in depth {$150.00} that isnt suppose to be there. I didnt receive a mail in the mailbox until a year later, which is now a couple of months ago, that stated that I am in dept. They said that my account was closed and I owed money but I never received a mail in the mailbox to get a chance to dispute it within the 30 days ; even if they did claim to send one out. Also, there had been transactions on my account that I didnt make that I had to get disputed and I closed my account out around that time as well. I tried working my way up the chain to get some type of assistance and they just told me that there was nothing they could do about it even though the dept isnt suppose to be there and even though I never received a mail in the mailbox. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
what has been happening is comenity bank has not removed the report from my credit to show it has been paid. 
i have paperwork show i have paid this off. i was told by XXXX  that if i paid it off this would be closed and taken off all 3 reports!

come to find put XXXX  works for XXXX XXXX so i paid XXXX  XXXX while i was paying it off the debit to XXXX. 
must had been sold out while i was paying it off... i didnt know this! 
i am being told from com bank that they didnt get my payments so this can't be removed? 
i want this removed as i have paid it off. i was lied too... how would i know??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my XXXX credit report. I have contacted them to remove these inquires and they will not do so.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX  account # XXXX XXXX $ reported XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX $ reported XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/ XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX reported XX/XX/ XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ reported XX/XX/ XXXX XXXX XXXX  acct # XXXX XXXX $ reported XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX $ report XX/XX/ XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX $ report XXXX XXXX XXXX XXXX   XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXXXXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX account # XXXX XXXX $ report XX/XX/202XXXX XXXX XXXXXXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX account # XXXX XXXX $ XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section604 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 ) ( 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 beleieve 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 2021-10-06
Company: Lending Club Corp
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was explained the Company that I have difficulty to pay due to Covid-19 It affects me and my family they were willing to help but they report a late payment to the credit Bureaus. It hurt my Score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 requesting that it will be removed from my credit report as soon as possible.

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 2022-07-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
It started off in XX/XX/XXXX I deposited {$1000.00} ( one of 5 deposits ) from my XXXX XXXX XXXX to Coinbase & I bought {$1000.00} XXXX XXXX. Even after my bank cleared funds. Rather than XXXX hold and clear funds for 7- 10 days, they held my coins hostage for 21days in some cases. 
I got notification from Coinbase that Attached is the Email Verification. 
Subject line : Your available balance has increased by {$1000.00} USD. Logged in and Money was not there. 
I called their customer support XXXX said the funds would be available XX/XX/XXXX... 
another rep XXXX said the funds were released, Logged into my account XXXX acct. 
and I don't see the money available in my account.The deposit showed up into my account But I NEVER had Access to it ... it Disappeared ..I have called and emailed in almost a dozen times with different case numbers each time. 
Coinbase is always experiencing major outage as crypto prices plummet..and they hold your funds hosttage. 
They holding customers funds without access, causes loss and financial hardship. If your funds are held to clear, and you have no access, how could it loose value? 

XX/XX/XXXX they tried telling me to go and download the PDF history, I did, it shows my deposits BUT cant show the $ $ value of account at or after any transfer transaction in US dollars out of Coinbase..I have asked for them to locate and explainwhat happened in my account and all I get is look at the PDF It reflects $ amts when Bought but does not disclose the $ value when sent.So customers are at a loss.

By the way I only had access to {$4000.00} of the {$5000.00} I deposited Within XX/XX/XXXX to XXXX a $ XXXX XXXX acct lost $ XXXX? 
Also Coinbase holds our Coins eg. XXXX for unreasonable amount of time even when the banks shows funds are cleared. Customers are not able to access coins to trade to avoid market drops, causing hugh loss.They need to restore my Funds and other customers as well. 
All I want is them to stop cheating, holding our funds Hostage and refund mine and the many customers that has lost $ $ with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.

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 2022-07-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2020 my Barclay card was written as a charge off and sent to a debt collector. That debt collector then sued me for the balance in XXXX XXXX XXXX in New York. I have gotten a letter from the court stating my balance was paid in full. Barclay card is still reporting on my credit report that I owe {$12.00}. Therefore giving all negative remarks on my credit report. My balance was paid off in court.

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 2021-10-06
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from XXXX XXXX XXXX XXXX stating that I owed PayPal {$300.00}. I have never had a PayPal account. I have never used PayPal or even tried to go to their website. Also, it is my understanding that PayPal is not in the business of extending credit, but rather a go between for making online purchases. Therefore, this letter in my opinion is an obvious scam. Either intended to get money directly, or to get me to call their number so they can then record my voice to further commit frauds against me. 

The letter says to send checks to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The letter states that calls to or from may be monitored or recorded.

Company response to consumer: Closed with non-monetary relief