BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account Name : XXXX Account Number:XXXX 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
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 a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX XXXX AF - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX XXXX XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My IRA funds were moved from TCF bank to Huntington National Bank due to some type of merger or acquisition. First our funds were to be available after XX/XX/XXXX, then after calling they said it was XX/XX/XXXX for IRA 's. After that time I set up web access. 
I have used the Huntington website, which was not helpful. It states that statements are not available for my type of account. NO IRA Statements are provided. I do not leave near a branch. As in one phone call the person on the line started to say I had to go to a branch, but there are no branches in my area. 
I have called the bank more than 10 times. Most times never getting through. Leaving call back numbers was not working as I am at appointments and calls all day. I have tried to call at night, before 8. 
The one time I spoke to someone I thought was helpful named XXXX on XX/XX/XXXX, I thought I was successful. This was on XX/XX/XXXX under confirmation number XXXX. He told me he would get a statement out to me. None came. 
Today, XX/XX/XXXX I used the call back feature early in the morning. I was called back, waited 9 minutes for someone to pick up, then spoke with XXXX. I explained my frustration, he put me on hold and then 31 minutes later disconnected me. I had asked to speak to a supervisor because I did not want to hang up until I could obtain a statement. The IRA institution that I wish to roll the funds from Huntington into requires a statement from the current bank. This is common practice for all transfers. They will not complete a successful phone call, their online services are not adequate to handle IRA 's and I feel they are trying to keep my funds against my wishes. I tried to use screen shots of my account with my new Financial institution but they could not use that. Thank you for any help that can be provided. XXXX XXXX My phone number is XXXX. 
XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have inaccurate and late payments being reported on my credit report. 

You all have responded and said everything was verified as accurate but on my most recent report, it shows that you all did not investigate properly You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

This is not being reported accurately because XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my XXXX report and nowhere else and XXXX is marked late on my XXXX report and nowhere else. 

please update all to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been in a never ending battle with a simple transfer of {$1400.00} from my checking account to a friend via Venmo since XX/XX/XXXX. Venmo has withdrawn the funds from my account and noted the transfer is under investigation ; and the investigation will take 48hours. It's now 144hours ( 6 days, almost a week ) and counting. I have yet to see either a resolution or my money back into my checking account or officially transfered to my friend.

I have sent Venmo emails and called them numerous times, I have yet to reach a resolution or be able to speak with their investigation/accounts department, ( since they can't be reached via call ).

I believe this has been dragging far too long, I now regret using Venmo and wish to obtain my money back ; but, their customer service continues to tell me, they're unable to cancel, refund the funds or do anything at this point, but to escalate the matter. I notified customer service I have escalated this matter numerous times ; I just need my money back NOW! 

I look forward to hearing from you in resolving this issue with Venmo. 

XXXX, XXXX ( aka XXXX  ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a number of inquiries that I do not recognize, I need to have these removed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-05-22
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items 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 of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Resurgent Capital Services L.P.
State: GA
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 notified me regarding LVNV FUNDING, CARE OF XXXX XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX was never my original creditor. XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. XXXX failed to produce any documented evidence of how LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX. LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P remains in direct violation of The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in a XXXX  XXXX bankruptcy that was dismissed in XXXX of 2020. I had a vehicle that was part of the bankruptcy and the original account was sold to a collection agency, Portfolio Recovery Associates. I never got any notice claiming that there was a balance owed and didnt know that until I called to inquire about the title. I was told that there was a balance on it. I asked for written verification but never got it. I still have the vehicle and I am trying to sell it to a dealership but they need a 10 day payoff letter. I have called and emails the person that I was referred to at Portfolio but she has not gotten back to me with a payoff letter or any other debt verification. I can seek the vehicle quickly and get them their money quickly but they dont want to help by getting me a simple payoff letter. All I need is a 10 day pay off with the per diem and an address to send the money to but again they dont want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATIONXXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2021-07-23
Company: Experian Information Solutions Inc.
State: NY
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 and XXXX have been disputed numerous times and they continue to remain on my credit report. I mailed EXPERIAN the Police report and called disputed numerous times and nothing has been done!

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 2021-07-23
Company: Bread Financial Holdings, Inc.
State: NY
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:
Comenity XXXX and XXXX have been disputed numerous times and they continue to remain on my credit report. I mailed XXXX  the Police report and called disputed numerous times and nothing has been done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: The CMI Group, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived in campus housing my senior year in college. Upon graduation XXXX XX/XX/XXXX ) I closed my XXXX XXXX account. Due to Covid all XXXX retail offices were closed so they asked I transfer the equipment to a roommate who opened a XXXX account to continue internet for the house. I contacted XXXX three times to make sure everything was closed out because I was leaving the country on a XXXX Scholarship to XXXX XXXX, XXXX never tried to contact me concerning any issues. They have my address, phone and email. 

While visiting the U.S. ( XX/XX/XXXX XXXX for a Covid vaccination, I received a text message from CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX stating that I had been sent to collections for the equipment for {$64.00}. 

I was never contacted by XXXX nor Credit management until they sent me to collections and entered a negative entry on my credit report. 

I contacted XXXX, and after talking to 6 different people, the issue was fixed but they said they could not remove the negative comments on my account. They wanted me to file a dispute with each agency instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a girl online asking me if I wanted to trade Bitcoin futures on XXXX. She instructed me on how to invest as well as manipulated me into continuing to invest even after I had given my funds away and not made a single profit. I even took out a loan in order to continue the process. After I had invested all of my savings she ceased all forms of communication with me. I transferred money from my Crypto.com account to the scam company. I lost : XXXX XXXX I was in a tough position since I did not have any experience in investing but I thought I should give it a try since I was in need of a profit. The scammers were highly cunning and manipulative and convinced me to invest and assured me that it was impossible to not make a profit. I had not made XXXX XXXX from those investments.

Company response to consumer: Closed with explanation