BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: CITIBANK, N.A.
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 have three accounts that are mine and they showed up on my report with a different address attached XXXX. XXXX XXXX XXXX. Extra account and XXXX. Citibank account .These accounts are not mine and I want them removed.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
transunion refused to respond

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 2019-10-18
Company: American First Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I purchased furniture from a store in XXXX. Upon believing that I was paying off my loan in the advertised six month period I found out it was actually a three month span. I was mislead by the loan company and not able to see my contract until it was later emailed to me after the purchase. I did not realize the terms and owe {$2200.00}. Twice the value of my merchandise. I payed all payments on time. The payment was structured and advertised to pay XXXX every two weeks. At this rate the full principle would have been paid at the advertised six months. However the hidden 101 day period was not made clear to me or explained until after the purchase in the emailed contract. Protection of the furniture was declined as I had renters insurance. However it was still charged and the document was sent to me showing that I had accepted the protection payments as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Paramount Recovery Systems, L.P.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Paramount recovery is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$360.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g Paramount recovery failed to send me a notice of debt/debt validation and is illegally attempting to collect the alleged debt reporting on my consumer report. I have no obligation to pay Paramount Recovery and Im demanding them to remove the collection account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The loan was given to me by Santander when I had no job or drivers license. They never verified the income from The applicant or co applicant. This was a predatory loan. I never understood the terms and conditions of the loan and that interest would be calculated daily. I was also led to believe that Gap insurance was mandatory and increased the payment amout by {$200.00}. When I found out this was not the case and cancelledthe Gap insurance the monthly payment remianed the same. In XXXX of XXXX XXXX men showed up inregular clothes driving a regular car. They stated they were there to reposess the vehilce due to non payment. I called Santander immediately and payed what they owed and was assured by the representative that my car couldnot be repossessed since it was still inn my possession and I had paid my account arrears. I explained this to the XXXX men who stated they still had to take the car because they were there. They also stated the bank was closed and they had no way of verifying the payment. I handed them the keys and called Santander in the morning. They told be where my vehicle was allegedly being held, however the companynever had the vehicle. The repossessor had my car the whole night and part of the next day and he dropped it back off to my home the following with his son in the car. My car was never taken to a facility. Instead the staff member used it for his own personal reasons and I was charged numerous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I'm from the XXXX and recently created a Gemini account, linked a bank account and have been verified. I sold an XXXX recently on XXXX XXXX and withdrew the balance to my Gemini. The amount received was around {$1500.00} but when I go to withdraw the only options for XXXX  or XXXX. I've also tried linking a US bank account but the only options are for XXXX or XXXX banks. My account balance says 0.00 but my portfolio balance states 1097, and the transfer was completed around an hour after withdraw from XXXX. 

I've even tried to purchase crypto with the USD in hopes of converting it, but in both the regular and active trader platforms I am only able to trade XXXX or XXXX pairs. I've reached out to support multiple times and messaged the XXXX pages 4 times with no response and I'm beginning to get concerned. 

It's now been almost 3 weeks and I was told my issue had been escalated but my money is still locked and I'm unable to access it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
I am demanding Transunion delete the following information off my file. The items that I need are listed in the report. I am a Victim of identity theft and did not give any person permission to use my information and did not make the charges. I ask that the items be deleted to correct 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 Commission 's Identity Theft Affidavit I.D . & Proof of Address.

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 2023-02-11
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Yes I do have overdraft fees at my bank RBFCU but they are charging me XXXX every time I turn around d even when they don't pay for the transaction. I'm on a fixed income and I only get XXXX a month and this month alone I already have over XXXX in overdraft fees alone. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions 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. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is a closed account and payment history and payment status is still reporting negatively after XXXX  years. I have filed many disputes attempting to have this issue resolved however to no avail. This is affecting my credit payment history and preventing mortgage loan approval. All XXXX accounts need to be corrected with XXXX status.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My birth certificate was stolen from my car and I need these unauthorized accounts off my credit 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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2023-03-13
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Since I've made previous complaints about Truist and their lack of accessibility, I believed they would do something to make their services accessible. Alas, they have not. Even their " accessibility '' page does not provide an accessible means to contact them. I want to pay off and close my HELOC but can only do that by phone or by visiting a branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I can't go to a branch. I have attempted to get Truist to respond via XXXX and XXXX messages. One XXXX message still has not been responded to in over a year.

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 2021-03-01
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 at approximately XXXX I attempted to withdraw {$200.00} from a US Bank ATM in the lobby of my workplace but received an error code on the ATM machines monitor with a message stating timed out, no money will be withdrawn from your account. I thought this particularly odd to say transaction timed out because it appeared almost immediately after I inserted my ATM bank card and so I made a second attempt but again received the same error code message. I then drove directly to another nearby US Bank ATM and from there did successfully withdraw {$200.00} When my US Bank monthly statement came in the mail it showed that {$200.00} had indeed been deducted from my account at the first location and {$200.00} from the second location as well. I immediately reported this matter to US Bank upon receiving my monthly statement and having noticed the banks error. Since the time of reporting this error to US Bank I have received a letter from US Bank stating they have investigated my claim and have found themselves to be in the right and that I did in fact receive {$200.00} from both locations. I notified them that this is impossible as their ATM have electronic time stamps of every transaction and error code that occur daily on their machines plus cameras that record every customers interaction at an ATM. I also told US Bank I want to see this alleged video proof that they possess showing that I did indeed receive {$200.00} at the first location otherwise the bank is calling me a liar and also guilty of attempting to perpetrate bank fraud by submitting this claim for a {$200.00} refund to my checking account. After receiving this letter, I contacted the XXXX XXXX XXXX to file a complaint and since the time of asking the XXXX to investigate the matter have acquired a second letter from US Bank reiterating their stance that they are not in error but in effect I am. In requesting ATM video footage from US Bank I have been informed that in order to see this alleged video footage I a judges court ordered subpoena would be required so therefore I am filing criminal charges against US Bank in order to seek release of this video footage and to be reimbursed {$200.00} which was erroneously withdrawn from my account.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XX/XX/XXXX To whom it may concern, Under FCRA Section 609, I am exercising my right to dispute the accounts listed below. I am also formally requesting that you prove these accounts belong to me by providing copies of the original signed contracts. Please make sure you send me contracts stating that I agreed to enter into financial agreements with the companies listed below. Otherwise, your bureau, the furnishers, nor I can prove these accounts belong to me. Please note I need full copies and all other information you have on file during this investigation. A simple template letter will not be sufficient. I am preparing a legal case and need full certified copies of everything you have on file for the accounts below. 

Bureau/Furnisher must provide, at a minimum, all of the following to prove their case : A. Copies of original signed contracts bearing my signature for each account listed below. 
B. All other information or evidence you have on file for the accounts listed below. 
C. Names, employee numbers, mailing addresses, and phone numbers for each person involved in this investigation. 

If you can not provide the above information, I request you immediately delete the accounts listed below from my consumer credit report and cease all collection activity. 

Please note, I am trying to resolve this matter as soon as possible. I am willing to stop any further requests if you can comply with my request. Also, note I have included identifying information as requested under the FCRA. Please do not send me an automated template letter requesting further verification. 

Account Information : Account # : XXXX ( XXXX XXXX Account # : XXXX ( Experian ) Account # : XXXX ( XXXX ) Account XXXX : XXXX ( XXXX ) Account # XXXX XXXX ( Experian ) Account # : XXXX ( XXXX ) Account # : XXXX XXXX Experian ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX XXXX Account # : XXXX ( Experian ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # XXXX XXXX ( Experian ) Account # : XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( Experian ) Account # : XXXX XXXX ( XXXX ) Thank you for your prompt attention to this matter. 

Sincerely, 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 2020-03-30
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 2020-03-30
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion & XXXX, is in violation of code ( 15 USC 1681B Permissible Purpose ) I did not authorize these inquiries below, nor did I give my written consent for these inquiries to be on my credit report I demand that these fraudulent inquiries be removed immediately! Also, I demand that TransUnion & XXXX, provides my written signature stating that I authorized these transactions. If not, I demand them to be removed. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX  ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) 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