BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
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:
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.

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 2021-04-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I used leveraged money on top of my own to open a position with Robinhood upon cashing out the money to 1. Settle an account deficit per Robinhoods rules and regulations and 2. To withdraw the funds collected from the crypto that I profited I was surprised to see that my account had reversed charges and all of my linked bank accounts required further review I was not aware that trading a leveraged position using margin on a crypto currency would cause my account to need further verification and would leave the {$23000.00} dollars that were gained in financial limbo. Not only is the money sitting there in my withdraw-able cash portion of my account upon contacting Robin Hood I was told they would verify my accounts within 5-7 business days ( which they havent ) and that I need to contact their customer support on a separate ticket if the problem persisted, I did as instructed and was told theyd reach back to me in 2-3 business days ( which they also havent ).

Now I have no clue as to whether Im supposed to get a lawyer to access my money or to continue to wait a ludicrous amount of time while thousands of dollars just sit in limbo. I feel robbed and taken advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NC
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 accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 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 explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The property address is XXXX XXXX XXXX XXXX Ga XXXX XXXX. My loan was included in a Chapter XXXX bankruptcy, whereby the court ordered Bankruptcy petition Plan ( the Plan ) included set payment amounts ( {$140.00} monthly ). 
2. I began making the payments to the mortgage company exactly as specified. 
3. The servicer was changed ( or loan sold ) and I re-directed my payments to the new company ( BSI ). 
4. After a few months, the new company began rejecting my payments, stating that they had no knowledge of the Plan, and started the foreclosure process. BSI states that they are refusing the payments because the loan is in foreclosure. 
5. After much calling, faxing and emailing, I was able to get the company to recognize the Plan, which had been made an amendment to the original Security Deed and recorded with the State of Georgia. They adjusted their records, including loan balance, payment amount, interest rate, etc. They continue to refuse to accept the payment. They continue to charge fees for taxes and insurance ( via an escrow account ) even though the Plan specifically states that I am to pay the taxes and insurance directly : NO ESCROW ACCOUNT. The payments I've been sending ( {$140.00} ) are, of course, less than the amount they are requesting since the escrow amount is INVALID. 
6. I have sent the company emails demonstrating that I've made each payment for the past 5 years and have sent proof of the insurance policies established and tax payments made.

7. I requested but have not received via email a Statement of all of my Post Petition Payments and fees. 
8. The company has sent the last mortgage statement, indicating that the amount due is over {$4000.00}. This amount includes fees, property inspection charges, and grass cutting fees of over {$1900.00} each. Note that BSI NEVER CUT the grass ; I had the grass cut and paid the lawn contractor directly. I have requested a summary of all fees that have accrued on the account. None of these fees are valid since no payments have ever been missed. If BSI can indicate any payment of {$140.00} that I have missed, or any tax/insurance payment that I failed to make, I will send them the corresponding funds asap. The late fees and charges should be removed asap, as they stem from a balance that should never have accrued. 

I have and will be including all of my records : notification demonstrating each of the payments mentioned, a copy of the Statement, the Foreclosure Notification from BSI, my Bankruptcy Plan documents, the email thread between myself and the servicer, the names and email addresses of each of the supervisors to whom I've spoken, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX pm XXXX : XXXX in XXXX dep with XXXX  Even after my long winded troubles with XXXX XXXX XXXX, wrongfully categorizing my loan. Even after not helping me fix the vehicle which is tied to their loan, I still forgave. Now Ive come to find out theyve had my loan reported TWICE to credit bureaus for some time now. 
XXXX loan. Reported doubled. 
And I had to find out on my own after looking elsewhere for financial assistance. 

Its has been Causing a negative affect on my scores and I had no idea. 
And of course, they still cant offer any help. Just an apology.

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 2022-10-22
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
-XXXX  XXXX 2022 paid {$37.00} to comenity with my XXXX  XXXX XXXX account- have an account with credit karma that reports overdue payments for this card -I have been paying on the comenity account and should not be late- the comenity account is in an old last name, different from my current name. 
- I am using XXXX  to monitor my XXXX XXXX- It has XXXX ID alerts- I have been changing emails and passwords to try to protect myself- I am worried my son may have been a target too- I reported the 34 ID thefts to XXXX XXXX sheriff - I had a {$.00} fraudulent charge from XXXX- I called them and it was fixed - it also came out of my XXXX  XXXX XXXX account - I believe my XXXX email account was hacked because that is the main email reported on my XXXX  - 34 companies including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and more are associated with my XXXX email account - some of the accounts associated I have no memory of opening and I do not believe I did open them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: IL
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:
Equifix had a database breach and I was effected by it. All 3 of my credit reports were effected Equifix, XXXX and XXXX Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with equifix

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CITIBANK, N.A.
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over {$130000.00} is locked since XXXX, for months soon to be half a year The company applied no effort to unlock funds and allow transfer outside citibank Tens of hours spent on the phone with Citi agents, all calls get dropped and no assistance Will be proceeding with legal lawsuit, no support from the bank

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 2022-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
on XX/XX/XXXX, my account was temporarily limited, i submit the documents needed. then on XX/XX/XXXX, they restored my account, the same day they limited my account again for the second time, then i submit the documents they requested. they restored it again for the second time. on XX/XX/XXXX, I ask my client for the payment, i received the payment for the first time but it is on hold for 21days. because according to paypal. my account was new and need to have have 10 transaction and XXXX amount for the first 60 days, this is not the problem, i understand the policy, but it didnt take 21 days, after my first transaction. and they permanently limits my account. no dispute, no changes made on my account. Until now, i dont know what is wrong and what policy I didnt follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$20000.00}

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 2021-05-16
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
my binance.us ticket # XXXX.My binance.us account can not be deposited, can not withdraw cash to the bank, and can not withdraw cryptocurrency to my digital wallet. Because on XX/XX/XXXX, I transferred money from my XXXX XXXX  account to binance.us account, the amount was $ XXXXusd, and the transfer was successful immediately. But on XX/XX/XXXX, I received an email from binance.us and refunded my $ XXXXXXXXusd. The reason should be that my bank card was less than $ XXXXusd, and I was asked to deposit the money in binance.us as soon as possible. Account, but later I discovered that binance.us has disabled deposit usd, withdrawal of usd, and withdrawal of encrypted currency. I cant deposit {$1500.00}. I can only sell the encrypted currency in my account until {$1600.00} in my binance.us account. With {$1600.00}, they still don't unlock my account. Today I still can't deposit usd, can't withdraw usd to my bank, and can't withdraw encrypted currency to my digital wallet. The current binance.us account contains {$20000.00} worth of cryptocurrency, XXXX dXXXX and XXXX XXXX. This is the problem I am facing now. I couldnt find the customer service number of binance.us. I emailed them without replying. I left a message on XXXX. They would only say that they had helped me with feedback and would contact me soon, but I couldnt wait for their email. There was no reply at all. I searched the Internet for problems like mine, and found that many American citizens face the same problems as me, unable to withdraw cryptocurrency, unable to withdraw usd to the bank. I really dont know what kind of binance.us is. The company has such poor customer service, which is unique in the world. They don't care about the loss of customers, and don't care where the customers ' money is. Doesn't binance.us do things in accordance with the laws of the United States????? I am very, very worried now, I am afraid that all my money will be taken away by binance.us and swallowed by them. I was desperate these few days. I asked a lawyer for consultation. He said that binance.us has a lot of power in the United States and a large sphere of influence in the United States. This lawyer is not willing to help me, but this lawyer asked me to go to Consumer Financial The Protection Bureau asked for help and asked the Consumer Financial Protection Bureau to help me. I always believe that the United States is a powerful country and a country under the rule of law. The Consumer Financial Protection Bureau can help people like me. The existence of the Consumer Financial Protection Bureau can make those who are irregular, distorted, and dark The transactions are regulated and corrected. Thank you very much Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # account number XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX  account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX. account # XXXX has violated my rights. 

XXXX XXXX XXXX, account # XXXX has violated my rights. 
XXXX account # XXXX. 

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 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 XXXX 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 2021-05-16
Company: EQUIFAX, INC.
State: NC
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:
To whom it may concern the credit bureau is reporting my balance on my account in correct. Most of the accounts have been sold to a collection company. In return the collection company is charging more fees. This is not right. So I want the credit bureau to furnish me the exact date the account was open and the last day payment was made. For instance XXXX has my charge of amount as {$35000.00} and then they have balance amount {$25000.00} so I want to know what happened to the payment insurance, Loan insurance And the Auto Receipt. Each month I have continue to lose anywhere between thirty or forty points and the credit bureau cant tell me why. I started with a XXXX score I was very excited I thought I was on my way to a 700 score but all of sudden my score began to crumble. However I know the credit bureau is not in business to help the consumer. Thier only job is to make money of the consumer.

Company response to consumer: Closed with explanation