BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE 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:
I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from TransUnion regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : 1. ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} The above account was never late, and I request TransUnion to correct/update this inaccurate information on my credit report. 


2. ) Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$450.00} The above account contains inaccurate evidence that is causing prejudice to my credit reputation. The reported balance of {$450.00} does not correspond to the lower amount that I remember. I request TransUnion to revise the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask TransUnion to mark this account as disputed to prevent further negative impact on my credit score. 


XXXX. ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$100.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


4. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$34000.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


5. ) Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3600.00} I require TransUnion to verify the accuracy of the account identified as XXXX XXXX XXXX The reported balance of {$3600.00} is inaccurate, as I believe it should be a lower amount. Additionally, the Past Due amount should not be presented, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, so that it does not negatively impact my credit standing. Furthermore, I request TransUnion to verify the Date Opened, Date of Status, and First Reported for this 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Transunion has 2 balances reporting on my credit report from XXXX XXXX XXXX that I am not aware of. A balance of {$25000.00} ( XXXX ) and {$3500.00} ( XXXX ) has been reported open as of XX/XX/2023. This is incorrect/inaccurate reporting. I DO NOT OWN THESE DEBTS, NOR THESE ACCOUNTS, WHICH ARE REPORTING OPEN. Please DELETE them from my credit report pursuant to 15 USC 1681 and 15 USC 1692. I have included all necessary documents including an FTC Theft Report ( Ref # XXXX ). Thank You.

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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, XXXX doing business as XXXX is continuing to report I owe a debt that is discharged. XXXX, XXXX accepted payment of this debt obligation and as the indenture trustee JP Morgan Chase Bank, N.A., had the duty in ensuring my security was properly handled. Under the Securities Act XXXX, XXXX and JP Morgan Chase Bank N.A. or both in violation of federal law in the handling of securities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened this account maybe 4-5 months ago. Back in XXXX ( This is for your IT/Coding people ) I clicked Make A Payment and a popup came onto the screen asking how much and it auto filled the payment method. I selected the amount which I believe was {$380.00} on XX/XX/XXXX. I selected the {$380.00} HOWEVER I clicked on " Update or change payment method. '' I'm not sure the exact hyper link description but something like that. I clicked it and changed the payment method. There was a " SAVE '' button to click and I never clicked it. I received an important phone call and ended up exiting the browser ( it timed out ) and I never saved the new method NOR I NEVER CONFIRMED THE PAYMENT. 

Fast forward 2-3 days later and the payment ran ANYWAYS and was returned as NSF. I never authorized that payment period. 

Fast forward another 30 days or so my card stops working. I contact capital one and they say that they restricted or closed my account due to violating their T & C. I never made that payment. Clearly their online system was confused or improperly coded ( please investigate this you'll learn its a bug ) and forced a payment I never authorized. 

So they closed or restricted my account and said that I can no longer use it due to their own system bug.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of {$500.00} from an individual claiming to be a mechanic for an auto body shop. My friend had backed into someone in a parking lot of a motel. This person said he would handle it for the said amount. Tuns out this person just took the money and ran. I had transferred the funds from my cash app account. I had made a refund request but cash app said that they can't do anything til transaction was completed. But I received a message saying that the transfer was complete and they couldn't do anything else there of.Now just what went wrong here I'm really confused. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : CAPIO PARTNERS ACCOUNT : XXXX Patient : XXXX XXXX Re : XXXX  XXXX  Hospital Date of Service : XX/XX/XXXX Balance Due : {$210.00} Dear sir/madam, My name as stated above is XXXX XXXX, represented as the Patient, in position of this erroneous Medical debt of Complaint. 

The recurring and threatening dun letters first began thirty days from the date of service, XX/XX/XXXX, and have continued in this manner effectively through the most recent date of XX/XX/XXXX, in my receipt of a Certified letter that in summary has been ongoing now for ( XXXX ) years ; this noted, I had first resolved the issue from the onset with the first known Medical debt collector, XXXX, that after providing written documentation of proof to XXXX, they had still made for an erroneous decision to report the medical debt to all three major Credit Bureaus though in end result of my disputes, the erroneous medical debt was REMOVED from all three major credit reporting bureaus, however each of the XXXX times that the medical debt collection companies were sold, and having changed names, I would only find myself right back to this very current position that is still in existence today, which brings me to my point and my reasoning for reaching out to you in my earnest attempt to please provide me with your assistance with this ongoing and senseless issue that has unwarrantably taken too much of my time and effort to cease this erroneous cronyism once and for all, especially given the fact that I work in a highly regarded Government position that is too, driven from an excellent credit report rating versus that of an unwarrantable medical debt collection company that is currently in a Class-Action lawsuit for unfair and deceptive debt practices. 

Please know that I sincerely appreciate your efforts and any intervention necessary to assist me with this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
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 honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: ROBINHOOD MARKETS INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello Robinhood, i have XXXX Fraudulent ATM withdrawals on my card. I keep my pin in my head, never wrote it down and i have my card in my possession. 

These withdrawals are not authorized. Id like to file a fraud claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
fees and interest was applied to credity card even though I paid the full account on the day it was due through phone and bank checking account .Some how, American Express XXXX not process the payment for 2 days. The account was paid in full, and there was plenty of money in the account to pay all. 
American Express refused to reduce or elimate the charges, even after speaking with the representative on 2 separate occasions. I was a card holder for well over 10 years with no issues.I closed the card and refused to pay any penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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:
My name is 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. 
XXXX XXXX and XXXX XXXX  XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date DC XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: ACIMA CREDIT, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi I applied for credit and the company Acima declined my application the email stated unable to verify my identity!! How can I clear this up?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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:
Experian, XXXX XXXX XXXX are in violation According to 15 U.S. Code 1681a - Definitions ; rules of construction states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. The following accounts are in violations for reporting such information without consent. XXXX XXXXXXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX XXXX Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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 am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

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 2022-12-27
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank XXXX XXXX wrote a draft to me th pay off my car loan to XXXX XXXX XXXX. After going over the check and appropriate signatures were attached. I mailed the check the same day via united states postal service. The was XX/XX/2022. I called XXXX Financial services several times asking why my draft ( check ) had not been applied to my account. They assured me that it would be applied and to wait 10 business days. I then called back at the beginning of XXXX and was told that it may have been applied to someone else 's account. I then waited to see if they recovered the funds. They finally called the week of XXXX stating the check was cashed at a Webster Bank and told me to contact XXXX XXXX which is my bank to have them see when it was cashed. I then reached out to my bank and was told it was cashed on XX/XX/2022. I went into XXXX XXXX and began the fraud investigation paper work. Since that time Webster bank has not responded to XXXX XXXX. I am now paying two car payments to two different institutions. My pay off was going to XXXX XXXX. It ended up on the East Coast. Upon XXXX  Webster/Sterling bank they are only on the east coast XXXX I really need help with this matter, this has been a nightmare. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation