BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I placed an order for a handful of items for my XXXX dinner online from my home in XXXX IL to the XXXX in XXXX IL to pickup!! Not knowing they use XXXX whom I have never and will never use as they are a bunch of crooks it is all over the internet!! They took the order then at the end after I paid using my debit card I noticed they had the wrong pickup location, it said XXXX IL which is up by XXXX IL about XXXX or XXXX hours north of me!!! I then tried to chat with the picker and gave them all of the information and told them of the error and told them to stop and not pick it or to contact the XXXX IL store to pick it as I am in XXXX and they ignored the chat and completed the order and set up a pickup time! I contacted XXXX corporate and they sent me back to XXXX who I had already contacted where some XXXX girl would not listen or help and refused to cancel and refund my {$19.00} for the groceries I never received which is FRAUD!!! I asked for a manager and she would not let me talk to him then said he would tell me the same! I told her I would call corporate and she said they would tell me the same and that I would just have to cancel and wait XXXX stays for my money but she never cancelled it!! I then filed a dispute with my bank US Bank in XXXX IL and took in all attached documents and complaint form they gave me after they applied the provisional credit and now they are denying me and taking it back claiming I received the products I never received as they were delivered to XXXX IL XXXX hours north of me!!!! I want this complaint sent to the FTC and bank regulators and I am sending a copy to XXXXXXXX XXXX office too!! The FRAUD is going to stop!!! These businesses, third party processors and banks are working in cohoots and committing theft and fraud!! I also want you to send me a list of banks that will accept my XXXX checks that are honest near me so I can leave this crooked 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 non-monetary relief
Consumer complaint received 2023-08-03
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Account with XXXX account number XXXX was previously removed from my credit report as a result of FTC identity theft report number XXXX. The original account has been re-inserted into my credit report now as a different account number which is XXXX. Per the FCRA, the Credit Reporting Agencies are required to verify police reports and fraud affidavits for accuracy. As a result of prior identity theft reports, this account was deleted and blocked as a result of fraud. When the CRA delete and block an item as a result of fraud reference FCRA 615 - U.S.C. 1681m ( f ) ( 1 ) -Prohibition on sale or transfer of debt caused by identity theft. 1. In general - no person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 605B has resulted from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 U.S.C 1681. 

( XXXX ) Dept of educationXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Transunion ) Dept of educationXXXX # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX XXXX XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX XXXX XXXX Dept of education/XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX  XXXX XXXX Dept of Ed/XXXX # XXXX Dept of EdXXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agencies CAN NOT furnish an account without my written instruction and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that 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. 

15 U.S.C 1681b-2 States permissible purpose must be given to corporations to report any information on the consumer.

15 U.S.C 1681a-2 ( A ) ( 1 ) States that the transactions and experiences between the consumer and the person making the report is not to be included on the consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Zeus Mortgage, Ltd.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Weve entered into contract with Zeus Lending for a hard money investment loan. The procedure is that we have money in escrow with them towards repairs to be done on said properties and we pay the mortgage payments to them monthly and they release funds to us as the jobs are done and inspected. They is supposed to be a XXXX business day turn around and the most and that is never the case. They never pay us on time because I believe the company uses our escrow funds in different situations which is why we can never be paid when we are supposed to. The loan total on XXXX contract is {$620000.00}. By XXXX not sticking to the turn around and contract details it is causing us money, time and stress to others we owe for the jobs the did. XXXX has a late fee for our contract of {$800.00} if were late but they pay us late constantly without any regard to our bottom line. At this time we have been waiting on them to pay us since around XXXX and still have yet to receive the payments and have more to submit which means they will be that much longer getting funds that belong to us released. Weve made several calls and emails to no avail. Most times they wont even return the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-30
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:
FL XXXX XXXX XXXX XXXX MD is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XX/XX/XXXX To Whom It may concern, I am writing this letter to request the removal of certain accounts from my credit report. After reviewing my credit report, I have discovered that some of the the accounts listed are not mine. I am writing to request that these accounts be removed from my credit report as soon as possible. 

I have listed the accounts that are not mine. The accounts in question is, : XXXX/XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THESE ARE THE INQUIERIES THAT ARE NOT MINE AND I DID NOT AUTHORIZE. 
THE ACCOUNTS THAT ARE NOT MINE THAT I NEED REMOVED ARE : XXXX XXXX ACCT XXXX XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX ACCT XXXX XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX ACCT # XXXX I Never opened any accounts and have never had any dealings with the companies that reported them to the credit reporting agencies. 
i understand that it is essential to maintain an accurate credit report, and I am willing to provide any further information or documentation that may be required to remove these accounts from my credit report. I would appreciate it if you could investigate this matter and take the necessary steps to remove these accounts from my credit report promptly. 

Thank You for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Venmo will not release my funds or authenticate my identity. They have my passport, drivers license, and NY state employee paystub and refuse to address the problem. 

My driver 's license does not have my street address on it because no mail goes to my house- as in most rural places. Venmo won't provide what legal statute they rely on to discriminate against people based on where they live and keep their money. 

Today 's made up drama from the venmo team is they can't read my documents. But won't say what they can't read. If there software is not good enough to relay an iphone picture to be reviewed by their staff - a picture of someone's personal identifying information how could they possibly have the cybersecurity to prevent hacking and keep people 's information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a checking account with Chase Bank today XX/XX/2022 at approximately XXXX pm Arizona time through Chase Bank 's online application process. It stated that my application was denied and an account could not be open. No explanation was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 been a victim of identity theft.. I was iXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have accounts on my consumer report that I have no knowledge of.. I had filled out an FTC identity theft report with the accounts attached.. I need these accounts removed of my credit file. The accounts are.. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a XX/XX/2021 dated correspondence from PORTFOLIO RECOVERY ASSOCIATES, LLC stating a debt obligation requires satisfaction. It is not now nor has it ever been my intention not to honor any debt obligation that I owe. In response to this presentment I sent a correspondence outlining the documentation and verification required of PORTFOLIO RECOVERY ASSOCIATES, LLC in order to honor this debt obligation that PORTFOLIO RECOVERY ASSOCIATES, LLC claims that I owe. I created this response on XX/XX/2021 and it is received by agent on XX/XX/2021 at XXXX XXXX  via United States Postal Service certified mail tracking # XXXX XXXX XXXX XXXX XXXX. In response to my correspondence PORTFOLIO RECOVER ASSOCIATES, LLC sent a XX/XX/2021 dated letter that failed to document and verify the debt. In my correspondence I made it clear that I would require a {$2500.00} counsel fee for each time the debt collector contacted me if they were unable to document and verify the debt obligation as required by federal and state law. I believe the name of the woman during a phone conversation on XX/XX/2021 was XXXX XXXX. She claimed to represent the debt collector and she attempted to coerce me into agreeing on a recorded line that the debt in question is valid. She claimed that she would be bringing a manager to the phone line but no manager ever spoke on the line. These practices only further demonstrate that PORTFOLIO RECOVERY ASSOCIATES, LLC is engaged bad faith practices. Filing this complaint with the Consumer Financial Potection Bureau is my only recourse short of litigation to protect myself from the unfair dealings and deceptive practices of institutions like PORTFOLIO RECOVERY ASSOCIATES, LLC. In a previous complaint I was contacted by an attorney who filed a complaint with the Supreme Court against such an agency. I welcome that such an invitation if it exists in this case as well. Thank you for you time and concern in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
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:
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 accounts ( 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: NJ
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus XXXX, EQUIFAX AND XXXX 1. XXXX / XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief