BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
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 to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 instruction.

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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Back in XXXX of XXXX I was applying for a loan modification and instead of reducing my monthly payments they increased it considerably. I was working with an attorney and as an effort applied for bankruptcy to allow more time to negotiate. Chapter XXXX was filed on XX/XX/XXXX and on XX/XX/XXXX I received a Notice of Deficient Filing. Since the bank and I didnt want this to go any further we came to an agreement and the bankruptcy was dropped. Recently I applied for a HELOC loan to make minor improvements in my home and was refused because of a notice of bankruptcy on my credit report. On XX/XX/XXXX I submitted a dispute, # XXXX, and was to have communication within 30 days and to date there has been no feedback. The notice of bankruptcy is still on the credit report and it has lowered my credit to a point where I cant receive a loan.

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 2023-03-20
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unopened an account with KeyBank online on XX/XX/2023. I was working out of town in XXXX, Oregon. On XX/XX/XXXX the owner of the company brought us our paychecks. I went to the key Bank in XXXX to cash or deposit my paycheck. They told me there was a restriction on my account which didn't make any sense because I just opened it. They asked me for verification of my address and social security number. I provided it right then and there with the XXXX  manager XXXX XXXX in XXXX, Oregon. He was on the phone. They lifted the restriction. They took my check deposited. It gave me {$300.00} of it. So they said it would take a couple days but the restriction was lifted. I called on Saturday 3 days later they told me the restrictions were still there. I am currently working in XXXX, Oregon. I'm at the key Bank branch and sublimity Oregon after sitting on hold and talking to XXXX different people over the last hour, the holds are lifted. They check was cleared and yet I'm still sitting here. They're not giving me any of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: TX
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX XXXX ( auto financing ) was included in my chapter XXXX bankruptcy filing. They were paid in full ( 100 % ) by my trustee employed by The Ohio XXXX District ( XXXX Ohio ) Federal Bankruptcy Court. 
The Chapter XXXX Bankruptcy has been successfully discharged. They continue to report on my Transunion credit report as this account being " open '' after attempts by myself thru the online dispute option. I have plenty of documentation showing they were my auto finance company, they were paid in full thru the Ohio Federal Bankruptcy Court, and that they were notified and informed of the completion and closure of the case by the courts.

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 2022-08-17
Company: WELLS FARGO & COMPANY
State: NJ
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:
on XX/XX/2022 I received a correspondence from Wells Fargo Bank stating they did not have a signed application pertaining to the application they processed on XX/XX/2022. Under the Fair Credit Reporting Act they must remove the inquiry on my credit report. They asked that I contact the dealership but that is not the process.

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 2022-08-17
Company: EQUIFAX, INC.
State: MI
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Contacted Experian on XX/XX/17 as there is false information on my credit report. The rep advised I would need to contact the company who is reporting in accurate data in order to get information removed which is illegal as I have stated there is incorrect and inaccurate information on my credit report. 

I asked the report to remove the below address : XXXXXXXX XXXX XXXX XXXXXXXX, Ga XXXX Different Variations Which I do not go by. I only go by what is on my drivers license : XXXX XXXX XXXX XXXX XXXX XXXX Also, i do not have access to dispute online.

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 2022-08-17
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: 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-08-05
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with XXXX XXXX in XX/XX/2020 and our mortgage was sold to XXXX XXXX. We were not informed we would have to reestablish our monthly auto draft and we were almost late in making our mortgage payment for XX/XX/2020. It took two months to establish auto draft with XXXX. At the beginning of XX/XX/2020 we noticed our mortgage had not been auto drafted. We contacted XXXX only to find out that our mortgage had been sold to Flagstar Bank. We had NOT been informed our mortgage was sold and we had no way of knowing that our auto draft would not occur for XXXX. Now we have to go through the process again of reestablishing the auto draft. We have refinanced in the past with XXXX XXXX and XXXX XXXX XXXX XXXX and never encountered these issues. These are unsavory business practices and terrible customer service. I would never recommend XXXX XXXX, XXXX or Flagstar.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: GA
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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-03-22
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive been locked out of my Coinbase account, and unable access all digital wallets. Ive called Coinbase multiple times, sent multiple emails, and am still unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Designed Receivable Solutions, Inc.
State: FL
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:
This XXXX an advisory that this account by the name of designed receivables has been knowingly and wrongfully reporting onto my credit report. I have sent this agency disputes which I will attach copies of here and they have been reading them and willfully choosing not to reply, this is grounds for removal and I will attach green return label for proof they chose to ignore me rather than to apply accordingly to my dispute letting them know they are illegally and wrongfully reporting to my consumer report. I AM ALSO REQUESTING PROPER AND COMPETENT VALIDATION OF THIS DEBT AND HIPPA AUTHORIZATION, A BREAKDOWN OF FEES INCLUDING ANY ALL COLLECTION COSTS AND MEDICAL CHARGES, A COPY MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY PRIVATE MEDICAL INFORMATION TO THEM, AND TO STOP ALL CREDIT BUREAU REPORTING UNTIL THIS DEBT HAS BEEN PROPERLY AND COMPETENTLY VALIDATED NOT VERIFIED BY ADDRESS THAT I HAD TO PROVIDE TO THEM CAUSE WHEN I CALLED THEY DIDNT EVEN HAVE MY ADDRESS ON FILE ( recorded )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-11-05
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies XXXX XXXX, XXXX, and Experian and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report XXXX and Experian failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from XXXX XXXX and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York 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 2020-08-05
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Recieved a notice from Synchrony Bank, dated XX/XX/2020, that my request for a credit card with TJX REWARDS CARD had been denied.

I did not apply for a TJX card and I am concerned that a denial will hurt my credit rating. 

I tried to contact the Bank, but it is impossible to get a phone numer from them to get answers.

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 2019-08-27
Company: Pendrick Capital Partners Holding, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from XXXX, by the representative XXXX XXXX from XXXX XXXX XXXX. I asked her did she have permission to call me including documentation with my signature and revoked any rights immediately and that any further correspondence should be done by mail. She replied that the debt by was from XXXX. I informed her that I would not be taking any ownership of any debt or refusing to pay because she can not verify that the debt is mine. She answered saying that she did have permission and that her office just received the account through skip tracing and that she will place a cease and desist on the account to prevent further calling. She informed there a debt owed for the {$210.00} and asked me how I would be making my payments. She attempted to collect the debt many times asking which insurance I had and informing me her office had the right to collect a debt in the state of Indiana because the statues of limitation allows 6-10 years to collect a debt and that leaves them one more year to collect the debt. 
XXXX XXXX XXXX has committed several violations of the FDCPA and Indiana Fair Debt Collections Act. Indiana fair debt collection laws state An action upon promissory notes, bills of exchange, or other written contracts for the payment of money executed after XX/XX/XXXX, must be commenced within six ( 6 ) years after the cause of action accrues. This means if the alleged debt accrued in XXXX and this being XXXX ( XXXX marks 6th year ), that this debt was illegally attempted to be collected on. 
Another violation is that the representative did not inform Me of my rights regarding a time-barred debt. The representative did not tell me that if I paid or agreed to pay the alleged debt, I could reset the statute of limitations on the debt, subjecting myself to further liability. The representative also failed to tell me that XXXX XXXX Solutions could not sue me for the debt due to the account being time-barred. Not disclosing such pertinent information displays willful noncompliance and deceptive credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Several weeks ago, I knew that my XXXX XXXX membership was going to be due at the end of XXXX. I called them, told them to drop my son off of the policy and send me a paper bill in the mail. The XXXX XXXX lady agreed. At the time, I had planned to pay the updated fee on my latest credit card. To this date, I have never received a XXXX bill. Instead, XXXX XXXX charged an old credit card of mine that I never use, CHASE VISA. I would have never known, as I no longer get statements, but Chase contacted me around a week ago via email, asking if this was a legit charge. I said, NO, it was not fraudulent ( although I question that ), but the XXXX company auto charged it and I wanted it removed. Chase said that they would remove it. Meanwhile, I sent an email to XXXX XXXX member care to handle the issue, and she was sorry, but she couldn't, blah, blah, blah. Both companies have been making me the go between for their laziness and mistakes. My husband works midnights. He gives me full permission to handle all the conflict these two companies have called with repeat phone calls to me, but they insist on me waking him up, asking him a million questions, and then letting him give the phone back to me. I see no resolution in sight without both harassing us to no end. I have XXXX and a XXXX XXXX. My husband works 60 hrs a week, and has health issues, too. My XXXX XXXX membership number is XXXX. I had cut up my Chase cards long ago ( and now both are supposed to be canceled ), so I don't know the full numbers, but my husband 's user name on the account is XXXX and the current email is XXXX for that one. PLEASE make them stop! Chase wants me to pay this charge for a service I do not want to get through XXXX anymore. After both screwed up, we got tow service from our insurance company XXXX. 
CHASE PHONE XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX Thank you! 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX phone XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX - {$22000.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$760.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$17000.00}

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX - {$1100.00} XXXX - {$22000.00}

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 2022-08-17
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 602 A Sectio
n 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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