BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15U.S.C 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 2023-03-06
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:
I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

XXXXXXXX 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 2021-06-16
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
on XX/XX/XXXX I went to XXXX XXXX In XXXX Wi And got told they Had n one to open accounts there. And That I could open one online. I asked if I opened it on line How long till the funds became available. The said Half the funds would be available rite away and the rest would take a few days. So, I opened the account and Deposited two payroll checks. On XX/XX/XXXX I called chase and was tolled the funds would not de available till midnight. Which was ok cuz I needed Gas For work the next day. Than On XX/XX/XXXX I called back to find out the funds would not be available till XX/XX/XXXX. After A long hold time And 2 Transfers I got them To release the funds. I would have gone to the Bank The pay check was from but they told My mom she would get a {$50.00} referral fee witch she never got. 
I asked to speak to a supervisor but they blew me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions 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:
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 accounts. 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 explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed everything I have seen late. I have talked to all companies trying to see what is being false reported and no one can give me information. I look and it says one place XXXX XXXX late payments then I can't find late payments anywhere and it shows XXXX of XXXX accounts paid on time. It is false reporting late information to companies yet I have nothing late. It is causing me to not get credit.

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 2021-06-16
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: Investigation took more than 30 days

Complaint:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX 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 2023-10-24
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Square customer service maliciously treats customers, issues account XXXX instructions at will, and abuses the terms of service. The frozen funds will not be released after the account is deactivated for two years, and the email content will not be released in the first place. Contacted them, refused to respond to customer messages, and maliciously withdrew funds from my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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 2022-07-12
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Upstart 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:
I have a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX. These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The reason for submitting this complaint against Navy Federal Credit Union is their violation of my rights by disclosing my creditworthiness to third-party non-affiliates, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve the issue internally, Navy Federal has failed to address the matter, necessitating the involvement of regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Deposit Insurance Corporation ( FDIC ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My ex-girlfriend had filed for Bankruptcy earlier in 2020. Once I found out she was going to I called the bank to see what could be done with the ONE credit card we shared as a joint account. 
They told me I could open a new account and transfer the fund s over but there wasnt anything I could do with this one. At the time, opening a new account was not a possibility. 

Then when she was granted her Bankruptcy, the Bank, within a believe a week, Closed the account and placed it on MY credit report as a Charge Off. This was 5 days after I had just the payment on the account. Up till that point Every Payment had been made on time, and more than the minimum. 
But the Bank gave me Zero Notice. No collection notices, no demand for the balance, NOTHING, they simply closed the account 5 days after my XX/XX/2020 payment and charged it off. 

If this Legal? Now I am stuck with a Charge-Off for 7 years because SHE filed Bankruptcy? 
I have no recourse it seems? 
I thought a bank could not Charge Off an account until 189 days from last payment? 
I also thought a Bank was required to attempt collection on an account before Closing and Charge off? 

There has to be something I can do here. The bank failed to notify me, failed to request payment, failed to demand payment, and failed to wait the required time frame before closing the account and Charging off the account. 

What are my rights?? 

XXXX XXXX The bank involved is/was SunTrust Bank, TN.. I believe they merged with another bank now. And were in the process of doing so at the time they charged off the account

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 2022-07-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While using my atm debit card in XXXX, I noted that the currency conversion was not taking place. I contacted chase and they began to close my account. I have filed a case with the FDIC and OCC and have not recieved a proper response from Chase nor recieved the access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved to my new home in XX/XX/2018 and we had XXXX XXXX installed into our home. From day one, the equipment was not working because it was installed incorrectly since we have a smart home and the technician did not connect to the server properly. We called XXXX  and scheduled for a technician to come out 3 different times and they never showed up. After paying about 1.5 years for a service that we were never able to use from day one, and paying about XXXX dollars each and every month, we had them send a box to return the equipment. 

Recently I saw that a collection agency for XXXX XXXX reported on my credit report a collection for about XXXX dollars that was due which brought my credit down over 100 points, right at the time we are in the process of buying a home, and this killed us from being able to qualify for the loan now. 

I contacted XXXX last week and made a complaint and they said they would have someone from the back office look at this and try to fix the problem. I told them the equipment was returned and that I should not have to pay any extra charges for services that I never was able to enjoy. 

Well, today they told me that the equipment was credited and they would update it with the collection company but that XXXX is still outstanding for breaking a 2 year contract. I told them the equipment was never working and 3 times we had an appointment for someone to come out and they never showed up, so if anyone broke the contract, it was them, but yet I continued to pay for 1.5 years. 

This was reported to XXXX XXXX andXX/XX/XXXX. I filed a dispute with both and XXXX  took it off, but XX/XX/XXXX did not. 

I really need to have this off of my credit report as this company is charging for something they never installed properly, and now it is causing me not to get my dream home for their failure to property fix my issue. 

Please have this taken off of my XX/XX/XXXX credit report so that I can finally get my home. 

Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Avant Holding Company, Inc.
State: CA
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 act XXXX  Account # XXXX has violated my rights 15.USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not forward an account without my written instruction 15USC. 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit payment as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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:
I have been a Victim of a data breach Someone used my personal information to open several fraudulent accounts in my name. 
The following accounts are fraudulent XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, Someone also filed XXXX fraudulent bankruptcies in my name. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX And Someone used several fraudulent address in my name also XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. 15 USC 1681A & 15 USC 1681B CC XXXX Last reported XX/XX/ {$2400.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Card Id # XXXX XXXX. XXXX XXXX U. S bank ReliaCard fraudulent transactions letter Greetings, my name is XXXX XXXX. 
On XX/XX/XXXX {$27000.00} was deposited into my us bank ReliaCard account. This account is used for Colorado unemployment I applied for during the pandemic. I was keeping track of funds and certifying until I was hospitalized in late XXXX of XXXX for serious injuries obtained in an automobile accident. Before the accident my u.s bank debit card was in my wallet. That was the last time I saw that card. I was released from the hospital almost a full year later in XXXX of XXXX. At that time I realized my debit card was missing. I logged on to the account and noticed that someone gained access and used {$27000.00} in less than two months. The last fraudulent transaction was made on XX/XX/XXXX. Once I was aware of the fraudulent charges I contacted us bank ReliaCard on XX/XX/XXXX approximately, first to get a new card. notified us bank of the unauthorized transactions. I filed a police report and sent in a copy of my identification as requested by us bank ReliaCard. If you look at atm footage you can see that I am not the person that made the transactions in question. I have provided everything necessary to prove my case. I have been dealing with this for to long.

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 2021-09-08
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: Account information incorrect

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts?

You have not provided me a copy of any original documents required under SECTION 6099 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance SECTION 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$5200.00}, XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$160.00}, XXXX XXXX  XXXX  # XXXX {$240.00}, XXXX XXXX # XXXX {$70.00}, XXXX XXXX # XXXX {$250.00}, XXXX XXXX  # XXXX {$570.00}, XXXX XXXX # XXXX {$110.00}, XXXX XXXX # XXXX {$190.00}, XXXX XXXX # XXXX {$48.00}, XXXX XXXX XXXXXXXX # XXXX {$350.00}, XXXX  # XXXX {$170.00}

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
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a credit check on my account that I am attempting to dispute. The number provided by Experian to contact them regarding this puts me in an infinite loop of phone menu items before it hangs up on me. They need to provide an accurate phone number to contact them, preferably one that's not going to waste peoples ' time with a revolving menu.

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