BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.

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 2021-08-26
Company: PDQ Check Exchange LC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
They will not work with affordable payments even though my loan was impacted with covid they have called my work saying they have a judgment but won't provide me with any proof they have drained my account several times they lie they have forced me in to bankruptcy rather then try try help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Bright Capital Inc
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bright Money is credit tracking app with a small credit line and savings program attached. The app withdraws money from your bank account into their savings fund according to projections based on your previous spending habits. For the first month, the app does not appear suspicious. 

In the summer of XXXX the app began withdrawing money from my bank account to my Bright savings account indiscriminately. Because I believed their projection model to be faulty, I chose to opt out of the savings program through their menu options. Their savings program is NOT optional, despite what they say. Bright resumed withdrawing money to savings. 

After many conversations with customer service where I was told the issue would not recur, the withdrawals still continued. I was able to recover my money and stopped using the app in XX/XX/XXXX. 

On XX/XX/XXXX, eight months after I stopped using Bright, they withdrew {$1.00} to a savings account. Twice again on XX/XX/XXXX and again on XX/XX/XXXX, for a total of {$4.00}. After many assurances last year that was I was opted out of savings, and after the wild withdrawals that caused me to stop using the app, the use of my bank account by these people eight months after I stopped using their services makes me extremely uncomfortable. They are NOT authorized to borrow money from previous users, and despite all assurances their savings program is NOT optional. It seems like a way for them to borrow money from users in the amount and time of their choosing. 

For disclosure I did have a credit line with Bright that was paid off in XX/XX/XXXX. The last {$0.00} cents in interest required a customer service representative to assist me in paying, since payment features had disappeared from my account window. 

Since my current issue of unauthorized withdrawals in XXXX, the app ( which I redownloaded ) will not launch on my phone, and any attempts to call or email customer service at met with a dead phone line or an automated email. I have no method in which to return the security of my bank account, since the company avoids contact, and their assurances have not been honored since the previous year. Currently I am trying to open a new bank account to avoid exposure to Bright.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : NAME : 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 2023-01-26
Company: Experian Information Solutions 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an 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 2023-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to remove these fictitious accounts place on my credit report by portfolio recovery services. They are attempting to match my social security with a name that is on the documents. There is no proof these documents are mine as the name they give is not mine therefore no court documents where ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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 noticed open accounts on my credit report that I did not consent I am not sure as to how someone accessed my information but I would like those accounts 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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is an account on my transunion credit report. Account was paid, creditor, and doctors office agreed to delete the account once paid. Paid and receipt was provided. Get this account OFF of my 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 explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: CITIBANK, N.A.
State: CA
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/XXXX, I called Citibank to alert them to five separates charges all at a XXXX in XXXX, CA ( nowhere near my home or business ) on my business checking account totaling {$580.00}. This account is primarily used for automatic deposits from my website and brick and mortar XXXX system. On rare ( perhaps once monthly/bimonthly ) will I use the card to buy gas from my local gas station. 

I spoke to someone on the phone who filed my fraud complaint/charge and on XX/XX/XXXX I was notified that my request for reimbursement had been denied. I called again on XX/XX/XXXX to file an appeal and was told that I would need to FAX or mail in an appeal. Also, that I would need to contact the XXXX convenience store where the fraud occurred to personally ask them how this could have happened and if they could provide me with an account statement showing how the purchase was made. When I noted that barely anyone uses fax machines in XXXX and that I felt like I was being stonewalled, I was given a XXXX XXXX XXXX South Dakota where I could mail in a written appeal. 

As a business owner, I am disappointed and shocked not only that Citibank failed to flag these charges as fraud ( I spotted them while looking through my own statements ), but that they would expect me to contact XXXX to inquire about how/when/by whom this fraud took place. And that I would then have the time and trust in them to read my written appeal from their South Dakota XXXX XXXX XXXX This is not an insignificant amount of money and I refuse to accept their denial of my fraud claim when these charges are 100 % not my own. 

Please help. Thank you so much.

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 2022-12-04
Company: EQUIFAX, INC.
State: TN
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:
Over 45 days ago sent in letters to the bureaus informing them about inaccurate items reporting to my credit profile and I have yet to hear anything from them. I feel like I am being taken advantage of and the matter at hand is not being taken seriously. They are in major violation, and this have caused me a huge amount of stress. I will take this matter to court if I have to. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XX/XX/XXXX, XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$1900.00} US DEPT ED XXXX {$680.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America in XXXX or XXXX, due to my checking account having fraudulent activity, I was put on the risk alert for unauthorized payment from a check. I asked the bank for a solution and they gave me a number to their risk financial department. They also recommended changing my SSN to be able to open an account. I need a checking account to be able to get employed and help pay bills but I can't do that when there are no chances of me getting an account for work. It began with an online transaction on XX/XX/XXXX in the amount of {$220.00}. I got an email on this date about fraudulent activity. Ever since XXXX, I can't use or opened another checking account at any 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 2023-01-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A fraudulent personal loan was opened under my name with wrong address. I requested XXXX to delete account # XXXX with a Balance of {$20000.00} and reported it as fraud but XXXX refused to do sure, and still with the help of the Experian credit reporting XXXX they are holding me XXXX and damaging my credit report. I submitted the Identity thief report and police report to both XXXX and Experian but they refused to follow the law and still kept the incorrect information on my credit report. The fraudulent account mentioned above, was deleted from XXXX and XXXX, but Experian refused to delete the account from my file after I disputed the account more than XXXX times. Experian would do whatever it takes to have the banks use them for their business needs, and it doesn't matter who gets hurt on the way. Experian does not follow the law instead they are acting as if they are the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-06-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have tried to dispute on XXXX and XXXX XXXX in regards to the car loan from credit acceptance. I have never gave written permission for this. The total as per my XXXX  XXXX states the balance owed on this account is {$22000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation