BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: DISCOVER BANK
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was approved for a discover student cash back rewards card with an {$500.00} limit after applying and providing my student email address. I only used the card to make a few purchases and all of a sudden the card was shut off. I received an email stating discover wanted to use XXXX verification services to access my prior years tax return statements. Due to the fact that I was ( you can verify this through XXXX data breach settlement website and click has my information been affected ) a victim of XXXX data breach, my personal information was compromised alongside the other XXXX XXXX plus victims. Because of this I called Discover and spoke with a fraud specialist who told me I had to do it. He treated me like I had done something wrong when I was the victim! He told me that they needed me to let them see my tax returns to verify my identity but offered me no other way of verifying my identity such as the tradition ways most other banks use ( drivers license, birth certificate, bank statements, etc ). Because I was a victim of the data breach, I was afraid of XXXX and to even allow access due to my compromised personal information. When I told the fraud department no, they immediately closed my account and sent my final bill. So the hard inquiry, to the account only being open a week, I never got to use any of the benefits that I signed up for the card for to begin with. Its a shame I was treated in such a manner. Discover needs to reevaluate there decision and should not require data breach victims to expect to allow them access to there tax info via the same company that there personal information was stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received an alert from the credit reporting bureau.. That I owed XXXX for a medical bill I advised the representative I never received a phone call nor a mailing in reference to such debt and that it was unfair to place in my report with out allowing me to look over the information. I never received a bill.. 
They had the incorrect address and the representative insinuated that I gave the wrong address.This was a car accident and I was admitted to the XXXX  They had an address Not sure how these invoices never reached me. But it was certainly not my negligence.. My insurance paid all bills as I had full coverage auto as well as medical insurance through my employer

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 2023-03-08
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Application denied for cards not applied for : XX/XX/2022 -- Synchrony Bank -- application for XXXX XXXX card XX/XX/3033 -- Synchrony Bank -- application for Ashley Furniture card

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 2023-04-24
Company: EQUIFAX, INC.
State: VA
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : UNAUTHORIZED INQUIRIES LISTED XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX  XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my reports.

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 2022-03-01
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold by XXXXXXXX XXXX to Mr. Cooper XX/XX/2022. XXXXXXXX XXXX transferred escrow to Mr. Cooper XX/XX/2022 in the amount of {$540.00}. Mr. Cooper claims that XXXX XXXX  never transferred said funds of escrow and has refused to pay home owners insurance despite the records indicating the contrary. XXXX XXXX XXXX ( home owners insurance ) was paid out of pocket in the amount of {$1000.00} on XX/XX/2022 in order to avoid going into default of the contracted loan. XXXX XXXX XXXX has attempted several time to rectify this issue with Mr. Cooper ( having already been paid in full ) only to be denied at each attempt. Mr. Cooper has constantly been unreachable and unwilling to communicate by phone or email in order to rectify this situation. We have reached out multiple times to Mr. Cooper only to be disconnected from the call in every instance of contact. The only successful communication made between Mr. Cooper and the mortgagee was the initial call to set up payments in XX/XX/2022. In summary the payments towards the mortgage are current, homeowners insurance is paid in full and the mortgage company ( Mr. Cooper ) is refusing contact.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: LEXISNEXIS
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:
Lexis Nexis has willingly committed identity theft and further dug me into the ground by defaming my character. Lexis Nexis has reported information regarding my XXXX  XXXX bankruptcy, that was not provided to them by me, the consumer, nor were they given written permission to store and report my personal information. The FL Bankruptcy court clerk has stated that the court only files this information with XXXX. XXXX states that NO PERSONAL INFORMATION IS SHARED WITH OR SOLD OR RENTED TO ANY THIRD PARTIES. So how did you get this information, Lexis Nexis?! This matter has now escalated because three other credit reporting agencies that also commit identity theft and steal personal consumer information, has now joined the party with you of defaming my character by reporting this information that they received from your company. I do not take defamation lightly due to the impact it can and has caused my family and personal affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Chase ATM deposited a rent check from tenant to my personal checking with Chase. The rent payment check was drawing from local bank ( XXXX XXXX XXXX  ). The ATM did not give consumer the option to accept or decline the deposit with a hold but next option. It went through with a hold caused my funds got delayed for 2 days. I went inside to talk to the local branch manager and he told me I have to call the ATM customer service since it's was deposited at the ATM. I was on the phone with ATM customer service for 1/2 hour and I was told they couldn't help me due to it's still in pending status. They told me to call back the next day so they can evaluate my situation before the hold can be released. This is lack of clarity and accessibility to our funds at the ATM. They should have the option to give the customer if there is any hold on the deposit so we can make decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Account # XXXX, XXXX XXXX  Account # 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 2023-11-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX 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 explanation
Consumer complaint received 2023-10-16
Company: TransferWise Ltd
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I have had an account with Wise ( Wise Inc ) for 3 years. They asked me to provide some verification details, so I did, successfully. 

They have still not unlocked my account and my {$2000.00} is being held for now 4 weeks. I am behind on rent because of this and wise are not taking responsibility. 


Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Fradkin & Weber PA
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fradkin and Weber is attempting to serve a Writ of Garnishment of Wages to my Employer for a debt that was incurred in XXXX  and I never received notice. I contacted their firm and spoke to XXXX XXXX to advise him I was never served with documentation of the debt. He then advised the process server served my neighbor in the building beside me who I don't know with the summons and complaint. Also, the address on XXXX  Case Search is a address where I never resided. A judgment was wrongfully entered entered against me on XXXX because service was not property effectuated. He also advised the balance {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, I had a deposit made into my paypal checking account for {$700.00} by an individual known to me. This is not the first time my account has received this amount or similar amounts into the account. I tried to withdraw the funds by accessing my account on my mobile phone using PayPal 's mobile app. Everytime I tried to move the funds so that I could utilize it, PayPal app would give me a message saying " were sorry we are having difficulties processing your request. The problem is on our part. Please try again later '', then the application would freeze. I tried numerous times to complete the transaction and at different times but kept receiving the same message! When I finally called paypal, I found out that apparently there were some steps for me to take in order to get access to the funds which I found out that paypal put a hold on. NOWHERE WAS I NOTIFIED OF THESE STEPS TO FOLLOW ON THE MOBILE APP OR ONLINE! 
I believe this is an unfair and predatory practice since I am sure I am not the only customer to have experienced this. PayPal and others like them like XXXX, are unfairly holding on to funds belonging to millions if not billions of people like me who are not savvy when it comes to online or virtual credit lending companies or whatever they're called, q like themselves. And by doing so, they are benefiting from these held funds to the tune of billions of dollars in interest earned and at the cost of normal people struggling to make a living or make ends meet and who themselves are losing out, collectively, on billions of dollars in terms of interest they could have earned, had they had timely access to their funds AND A LEVEL PLAYING FIELD IN TERMS OF CLEAR INSTRUCTIONS TO THE CONSUMER as to what needs to be done to gain access to the money that friends and family send or their customers send. I believe they are intentionally doing these things to financially benefit from consumers and somebody has got to stop them! Additionally, I think that they ( paypal, chime, etc.. al ) are intentionally trying to shield themselves from litigation by preventing consumers from taking screenshots under the guise that it is for the protection of consumers! Consumers should be able to screenshot whatever they want to once they have satisfied security protocols set in place to gain access to the information in the first place!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04
Company: SYNCHRONY FINANCIAL
State: IA
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:
XX/XX/XXXX, a false report showed up on my account under the company name of " Syncb ''. The details included in said claim falsely reported that I had a credit card open with this " bank ''. I've never opened a credit card account with any bank, so as one would assume, this came as a shock to me. I did some research on this company. Coming to find out that I've not been the only person to have this issue with the same company party reporting false claims on the credit reports of other people. On XX/XX/XXXX, I finally contacted the CFPB by telephone and left my contact information with them after explaining that I'm looking to have the claim removed. I then took the initiative to file my complaint online, after it being explained to me as the quickest way to have the claim disputed.

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