BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 2023-06-27
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Someone has done inquiries on a couple of my credit cards and opened accounts for 2 credit lines. I have called both companies and closed the accounts here is the information that I have for both accounts : Commodity CapitalXXXX XXXX * they did an inquiry on XX/XX/23 and XX/XX/23 and opened an account on XX/XX/23 * I contacted them on XX/XX/23 and told them this account was fraudulent, they closed the account and blocked it from being used. 

XXXX XXXX XXXX XXXX *they did several inquires on XX/XX/23, and XX/XX/23 and opened an account on XX/XX/23 and XX/XX/23 * I contacted them on XX/XX/23 and told them this account was fraudulent, they closed the account and blocked it from being used. 

I also closed my old email account and have a new email account. 

I am not sure what the next step is.. but if you can help clean my credit report what would be so appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent my uncle {$1000.00} usd to XXXX using xoom app and today when I logged into my bank account I saw two pending transactions got approved for {$1000.00} which shocked me as I did see both transactions in my bank acc but as they were in pending status I thought it was just a normal thing that usually happens. But I looked into xoom app today after I noticed the bank acc and saw it showing only one transaction on main and in sub category page there were two transactions back to back sent. I have no clue how this happened though there was a service error that day. I contacted the company and they says their partner company already has transferred the money to receivers bank account and there is no way they can do anything. Its quite disappointing that they dont have some sort of a message or warning that multiple transactions are being processed back to back and if sender wants to proceed. I myself have a XXXX XXXX XXXX ( XXXX ) and they have a bit of strict policies when sending money but as I XXXX XXXX XXXX   of XXXX cant use their service to send thats why I use xoom if theres any family emergency or need. So I just wanted to forward my complain regarding this issue with Xoom that they need to better the system and protect one from such computers errors sending  back to back transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 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 2022-11-04
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$740.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX, 2023, I opened an IRA CD with Synchrony Bank using a rollover. Not realizing that the " single '' rollover rule applied, I sent 2 checks. The first check was deposited but the second check was deposited into Synchrony Bank but not applied to the new IRA CD. 

I have repeatably requested that the second check amount of {$30000.00} be returned. The bank has not done anything to get my money back. I have received no correspondence regarding this money. 

I have emailed XXXX XXXX a SVP at the bank twice but still no money. I believe that the bank has engaged in a float of my funds. They deposited my check on XX/XX/XXXX, even though it was never applied to my account. They wrote me a letter dated XX/XX/XXXX and mailed it to me. I received it just a few days ago, but it contained no information as to how and when the refund would happen. In fact, if they had reached out to me by phone or email, I would have told them to put the {$30000.00} in a regular CD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX ( 2 ), XXXX, XXXX, XXXX , XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
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 explanation
Consumer complaint received 2023-07-21
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I canceled my automatic withdrawal online that was scheduled for XX/XX/XXXX as I was not going to be able to get the funds into my XXXX XXXX and XXXX XXXXXXXX XXXX account in time. I was going to pay on XX/XX/XXXX online from another account. When I went in to pay on the XXXX, I was surprised to see that it showed that payment was made on the XXXX from XXXX. I called Comenity Bank to find out what happened as I no longer had overdraft protection and the transaction should 1 ) never have been initiated 2 ) should have been declined. Neither XXXX or Comenity Bank could tell for sure whether the transaction was declined for about XXXX days. When it was confirmed that it was declined, I made the payment from my other account. Comenity Bank refunded me my fees as a courtesy, I assume because I had attempted to cancel the XXXX pull. However, XXXX has charged me {$60.00} ( XXXX attempted pulls from Comenity ) for overdraft charges. I asked Comenity bank to either credit me for what I believe to be their error, or write a letter to XXXX stating the situation and hopefully XXXX will waive the fees as I feel it not not my fault. A customer service representative and a supervisor from Comenity Bank stated that they would or could not do either and recommended that I send a letter to corporate XXXX. I sent a letter on XX/XX/XXXX stating my situation. On XX/XX/XXXX I received a generic letter dated XX/XX/XXXX from Comenity Bank XXXX in XXXX, OH asking that I call their customer service line. There was nothing mentioned about my particular complaint. In other words, it sounds like I am being sent back to where I began. I did call customer service and as expected, they could not help me. 
There is nothing I could find in any documentation that says or warns that Comenity Bank could pull funds from my XXXX a day early if the scheduled payment date is on a weekend. One representative stated that this is why it may have happened the way it did. My question is if this is legal and if it is legal, where would I find this in my terms or agreement or on their website. I searched all over and anything to do with XXXX pulls only mentions the due date period. 
Help please XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving calls from Legal aid. They said that there is a judgement pending against me. No court paper work has been filed. I have spoken to someone and they state that I owe a credit card company a total of {$14000.00}. I can settle for {$6400.00} or payment plan from the amount of {$14000.00}. If I do not answer within 24 hours I will be sued, they will put a lien against my car, my home if I have one. I have checked my credit report and there is nothing on there stating anything. I have also called the credit card company with account number that was given to me by XXXX XXXX and the person I spoke with could not find anything. I received an email from XXXX XXXX XXXX XXXX so that I can put my credit card information to pay {$6400.00} and sign.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently turned XXXX and am looking to apply for a credit card so that I can start building credit. I wanted to check my credit score and chose to do so with Transunion because they advertised the credit report as free. I checked my score on  XX/XX/2020. After giving them my information it turned out there was a XXXX} fee for the report, which I accepted. I was billed the XXXX} fee on the same day and after re-reading that email I see that it said " You have purchased a subscription product. For your convenience, your payment card will automatically be charged XXXX} ( plus tax where applicable ) per month, while your subscription continues. '' Yet, I was charged XXXX plus tax on XX/XX/2020. There was no clear indication that I was signing up for any type of membership or trial period that would need to be canceled before I was charged 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 monetary relief
Consumer complaint received 2022-05-05
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Did not apply for a credit card, it said to see if you pre-qualified and NO Inquiry on your credit report!! THEY LIED, I HAVE A HARD INQUIRY AND A CREDIT CARD FROM DESTINY I DO NOT WANT NEITHER DO I WANT IT ON MY CREDIT REPORT! THEY ARE DO FRAUDULENT ADVERTISING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Bread Financial Holdings, Inc.
State: MA
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 had a store card with Comenity bank/Victoria Secret . I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for comenity bank that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
A few months ago, I had gotten the Credit Score up to XXXX ; for some reason, they then took off my Student Loans for 1 month and the score went up to XXXX, they then put the Student Loans back on my credit and dropped the score 100 points. That is fraudulent activity, I have screen shots of my score and worked hard to increase it. I want my score back to XXXX, because it was never without my Student Loans before, so it was fraudulent to remove it.

Company response to consumer: Closed with explanation