BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2023 I sent XXXX, XXXX, and Transunion the following complaint. 

" I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four days as pursuant to the FCRA. Please exercise your grave responsibility to ensure that my privacy is respected and honored. '' The XXXX account was blocked and then rescinded with no lawful authority to do so. 
Pursuant to Title 15 USC 1681 c-2, the following consumer reporting agencies only have the lawful authority to rescind or decline to block under the following conditions. 

15 USC 1681c-2 ( c ) ( 3 ) - Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 


SO WHAT NEW INFORMATION DID YOU RECEIVE THAT WOULD GRANT YOU AUTHORITY TO RESCIND MY BLOCK!!!

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: BARCLAYS BANK DELAWARE
State: PA
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:
XXXX XXXX double charged my Barclays Mastercard by {$330.00} on XX/XX/2023. I contacted the airline on various occasions and each time they informed me they only charged me once and I had to resolve with Barclays, despite it showing up twice on my Mastercard. I submitted a dispute with the bank, who declined my inquiry. I have receipts and proof of the correct charges, however Barclays will not resolve. My receipt states {$330.00} despite being charged {$660.00}. I have called Barclays to escalate without success. I have asked Barclays to yield proof from the merchant, but they havent been able to provide that. Instead. Im being charged and forced to pay without a resolution.

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 2018-02-19
Company: ERC
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:
Enhanced Recovery Co has been reporting a collection on my credit report for a XXXX account. I asked for validation and information as I do not have a XXXX account. They sent a XXXX bill with the same name as mine, but at an address I don't live at. I asked for them to please clarify to which I never received a response however they did update my credit report to show a balance due of {$160000.00}! I was denied credit twice during that time period due to their negligence. I reached out to them again demanding deletion and have certified tracking showing the letter was received by ERC. They have not responded, but changed the amount reporting to the credit bureaus again since. There are multiple clear violations to my FCRA rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I moved out of my apartment in XXXX and relocated to XXXX. I opened a new Chase bank checking account after I moved. My previous landlord provided me with a security deposit refund check for {$830.00}. I attempted to deposit this check on XX/XX/2022, however this checked bounced due to inadequate funds. I was contacted immediately by my landlord who informed me that his XXXX XXXX XXXX XXXX account had been hacked ( washed checks stolen from his mailbox he claimed ), he then sent me a replacement check on XX/XX/2022 for the same amount ( {$830.00} ) from his new XXXX XXXX  account. After I attempted to deposit the new check on XXXX XXXX Chase flagged this as potentially fraudulent due to it being from the same account holder and the same amount as the previous bad check. I was only notified of this after receiving a letter from Chase stating my account would be closed within 10 days if I did not respond, however I did not receive the letter until after the 10 days had passed, and upon further inspection of my account statements the check was deposited into my account on XX/XX/2022 and my account was closed on XX/XX/XXXX, XXXX only 8 days later. Chase refunded the rest of the money that was in my account ( {$120.00}, as I had not switched over my direct deposit with my work yet ), which I have not deposited yet as I do not want to risk them claiming that I accepted my account closure, and that check is now void as it over the time limit stated on the check. I have attempted to resolve this issue with Chase bank numerous times, however they claim they can not verify that the check is valid. I have asked them how they have attempted to verify the check and they reported there is not a phone number associated with account so they have not taken any steps to verify it and report they are not allowed to contact XXXX XXXX directly to attempt to resolve the issue. My landlord reports his phone number is associated with his business account and has not received any calls, he also confirmed that the money has been released from his XXXX XXXX and they will not allow him to cancel the check at this point. Chase bank as also confirmed that the money is out of my landlords account and is being held by Chase per their legal department, however they will not allow me to discuss this with their legal department. The only solution they have offered thus far is for my landlord to cancel the check ( his bank is unable to do that ), or for my landlord and myself to present in person to a Chase branch with government identifications and proof that he is the owner of the business that the account is connected to- this is not possible given we are in different parts of the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2022-03-29
Company: WELLS FARGO & COMPANY
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:
Department store that reported the negative activity to my credit file claims and denies having any information on me and says that the responsibility is on the credit reporting agency. When I asked how the credit reporting agencies got their information, I was told they got their information from the creditor. But the creditor has no information on me at all? 

So it definitely appears that there is a situation of fraud and false testimony in this situation. 

I want to know why a major department store that has their brand of credit card issued and underwritten by a major bank can report negative comments on a person 's consumer credit report, when the person doesn't have a credit account with that department store or the bank, and then claim they have no information on the person, and then refuse to contact the credit reporting agencies to have the fraudulent information removed. 

When I am the victim of credit fraud committed by a department store/bank, why is it my responsibility to do everything to correct the problem when they can not provide any proof of any credit history with them?

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: CoinZoom, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I deposited {$500.00} USD into Coinzoom via ACH Bank Transfer. Prior to making this deposit, I provided CoinZoom with my US Drivers License, Social Security number and personal information they requested. I was able to purchase crypto currency, however I can not do anything with my funds like move them to an external wallet or even back to my bank for 30 DAYS. My funds won't be available to move until XX/XX/XXXX. How is this legal? I have provided CoinZoom with all the documentation they have asked for before making the deposit and would be more than willing to provide any additional verification they need to confirm my identity. Coinzoom is holding my funds for an unreasonable amount of time for no valid reason. They claim they have outrageous hold times on funds to protect themselves against bad actors however they can not punish law abiding citizens because they do not vet customers thoroughly. When I provided them with the information they requested to verify my identity before I made the deposit, I entrusted that my deposit would be cleared within a reasonable time frame. Traditional banks dont even hold Ach deposits for 30 days. I would like the holds on my funds released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. Everything has to be 100 % accurate on my credit report. 

RE : XXXXXXXX XXXX XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
open / collection account Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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: EQUIFAX, 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Information belongs to someone else

Complaint:
I am frustrated to see the Credit Reportng Agencies do nothing with my request to remove the dipsuted fraudulent items from my Credit Rpeort. It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information completely from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$760.00} ACCT XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} ACCT XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$820.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus.

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 2023-09-07
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to XXXXXXXX XXXX XXXX XXXXXXXX. In my credit report from XX/XX/, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Lexis Nexis is refusing to move car insurance records that are not mine. I called at the beginning of XXXX and disputed these items but Lexis Nexis is stating they are accurate when they are not. They are unable to tell me how these records were verified. My entire report is full of incorrect information including addresses, names, and phone numbers. I am still waiting on the results from the personal information disputes. Obviously I have been mixed up with a person with a similar name. Here are the inaccurate records that need to be removed : -Record 1 XXXX XXXXXXXX XXXX XXXX- I never owned a XXXX XXXX. This record is not mine. 

-Record 2 XXXX XXXX XXXX This policy states my gender as " XXXX  '' and I never owned a XXXX XXXX or XXXX XXXX XXXX This record is not mine. 

-Record 3 XXXX XXXX XXXX - This record is not mine. I did not own this vehicle. 

-Record 4 XXXX XXXX XXXX  - I have never been associated with a person named XXXX XXXX XXXX I did not own a XXXX XXXX. 

-Record 5 XXXX XXXX XXXX  - I have never owned a XXXX XXXX. This record is not mine. 

XXXXRecord 7 XXXX XXXX XXXX  - I have never been associated with a person named XXXX XXXX XXXX I have never owned a XXXX XXXX. This record is not mine. 


Remove the incorrect information from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: Mortgage Research Center, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX charged my husbands bank account twice after being informed that he passed away then charged me XXXX dollars for a charge back. Called the company informed them what they did was wrong they told me it was my banks fault. I called my bank they had no transactions like that other then denying the charge but never charged me a fee. 
XXXX failed to inform me that the insurance policy was canceled due to my husbands passing instead sent emails to my deceased husbands email which o had no access to. Sent me a letter 30 days later telling me that they are charging me XXXX dollars because I had no insurance for 30 days. Contacted the company yet again told them and they said it was the insurance companies fault and not theirs and that I was out of luck. 
XXXX filed for bankruptcy that doesnt include my house but I need a reaffirmation agreement and they refuse to provide me with one unless I refinance or affirm. I told them I would refinance they said I was not eligible because of bankruptcy and I said well let me reaffirm they told me it will take 9-12 months. They told my lawyer I need to assume the loan or surrender my house immediately. I have not missed any payments. Now they refuse to return or call myself or my bankruptcy attorney back. After several calls they just give me the run around and claim my loan is not found.

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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently disputed an erroneous account on my credit reports in late XX/XX/2019 that does not belong to me, I've been disputing this account with XXXX/XXXX XXXX XXXX XXXX for over a year. On XX/XX/2019 I was alerted via credit monitoring that the account was removed by Transunion, on XX/XX/2019 the account was magically re-inserted by Transunion ... 3 days later. wow ... .I 've reached out to XXXX requesting documentation on this account as well as Transunion , and have yet to see anything. Transunion has violated Section 609 ( A ) ( 1 ) ( A ) as well as Section 623 ( A ) ( 3 ), Of the FCRA .Wow re-insertion of the account with no notice or Explanation. My Attorney has all my paperwork and is preparing my legal situation with all parties involved. I will also be requesting full punative damages ALLOWED IN MY STATE. The FTC is also aware of the constant problem I have been having with Transunion/XXXX. Its very sad that We as consumers have to go through such things as this, and im quite sure im not the only one.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, 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:
These inquiries on my Experian credit report I don't recognize. 


XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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