BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
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 status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-11-23
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had an account with American Express. Serve the account has since been closed, but I have contacted American Express serve on several occasions because I need to access bank statements from XXXX and possibly the end of XXXX because I made payments to a company for a trip I was to take this year And the company closed and refused refunds and I need proof of the payments. American Express serve has twice told me that they would mail me copies of those statements and have not every time I speak to them they say because the account is closed they dont have access to those statements, but it is my understanding that they have to keep bank records for five years even on a closed account so I am looking for assistance to try to get the statements that I need. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-05-02
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was at the gas station on XX/XX/ and I left my cash app card on the counter accidentally and when I went back it was gone someone must have took it. A few minutes later my account was drained they took all the money I had left in my account. I was using my card mostly everyday and had about {$400.00} left in my account. Ive filed a police report right away. I disputed these charges with cash app and Ive already ordered a new card and cancelled my stolen one I even sent the police report and they denied my dispute I filed two disputes because it was two atm transactions one for {$200.00} and the other one for {$200.00} as well. I am almost positive they did no investigation what so ever. They owe me this money. 

Update XX/XX/ I have filed another dipsute since my first one was denied I now received my dispute being denied again. For the second time after I sent them The police report again and I even went as far as sending them A letter a lawyer helped me execute to try to Reason with them and give them A chance to pay before filing a small claim in court. But they denied my disputes either way. No explanation and no real investigation done. 

Ive attached my police report and the letter I sent them letting them know this was the last chance they had to give me my money before I filed a claim in small claims court. I also attached the times they denied my disputes,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A 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 2022-11-23
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:
In reference to complaint # XXXX Your company claims the accounts for XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  were verified. These accounts remain inaccurate after my first dispute. 15 USC 1666 clearly states an alleged creditor may not mark any late payments on an extension of credit. Furthermore I have never been late on these accounts. Please provide your method of verification or delete any late payments on these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-15
Company: Markoff Law LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Today, XX/XX/, I received an e-mail from a former employer with an attachment of a wage garnishment form stating " It appears I am supposed to forward a copy of this to you. I have attached a copy of the completed form accordingly. '' First off, I was embarrassed as a wage garnishment form was sent to my old employer. Second, I had no idea why someone was garnishing my wages so I researched the information provided on the attachment. I found a huge amount of information regarding a whole lawsuit had been filed against me by a plaintiff I had never heard of and a default judgement was awarded. 

Not only was all communication being sent to an address I had lived at more than XXXX years prior, the lawsuit was filed in a jurisdiction I no longer lived. I've never received any communication from this plaintiff regarding an amount owed, and now I have a default judgement entered against me. 

Not only is this public record now, this will also affect my credit. I didn't even have the opportunity to request validation of this amount as I have no information on it. If my former employer hadn't reached out and provided the wage garnishment affidavit I would have not known about any of this. I feel embarrassed and feel like I had the right to defend myself properly taken away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A dispute was filed with Transunion informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. 

The charge off accounts on my report are as follows : 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Incomm Holdings Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My In-laws give us Vanilla Gift Cards at XXXX and this year when I went to use it, the money had already been used. I discovered that this is a issue with these cards where hackers just guess numbers until they get through. I tried to open a claim with Vanilla and did all the steps to do that only for it to be denied because the transaction was more than 60 days old. I asked how was I supposed to know a transaction had taken place when the card was just hacked but they did not change the denial. {$250.00} was taken from me and if this is a common issue, they either need to honor the claims or not sell a product that can be hacked so easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
company is being harassing with repeated calls. Ive blocked number but still receiving calls. they refuse to provide any type of documentation. Additionally, ive not done business with profile recovery or aware of any debt. The harrasing calls and other forms of communication have been ignored. This company is harassing me and my family for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Neighborhood Assistance Corporation of America ("NACA")
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was told when I signed my home purchase contract XX/XX/XXXX that I would close mid XX/XX/XXXX. My mortgage is through XXXX XXXX XXXX facilitated by NACA. Mid XXXX NACA Loan officer advised I needed to get my Home Owners and Flood insurance to close XX/XX/XXXX. I got the insurance through XXXX. Closing was moved to an estimated around end of XXXX, in the meantime I had a XXXX XXXX and received XXXX payment this past month. NACA loan officer now states I no longer qualify to close because of my long term XXXX payments. Despite for the last two years of going through this process I have done everything asked. I submitted an employment verification letter showing I am still a fulltime employee and my yearly salary. I have been discriminated against and because I had a XXXX XXXX medically certified and receiving XXXX payments in violation of ADA and FHA. 

Fair Housing Act The Fair Housing Act, 42 U.S.C. 3601 et seq., prohibits discrimination by direct providers of housing, such as landlords and real estate companies as well as other entities, such as municipalities, banks or other lending institutions and homeowners insurance companies whose discriminatory practices make housing unavailable to persons because of : race or color religion sex national origin familial status, or disability. 
In cases involving discrimination in mortgage loans or home improvement loans, the Department may file suit under both the Fair Housing Act and the Equal Credit Opportunity Act. The Department brings cases where there is evidence of a pattern or practice of discrimination or where a denial of rights to a group of persons raises an issue of general public importance. Where force or threat of force is used to deny or interfere with fair housing rights, the Department of Justice may institute criminal proceedings. The Fair Housing Act also provides procedures for handling individual complaints of discrimination. Individuals who believe that they have been victims of an illegal housing practice, may file a complaint with the Department of Housing and Urban Development [ HUD ] or file their own lawsuit in federal or state court. The Department of Justice brings suits on behalf of individuals based on referrals from HUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
{$13000.00} was deposited to my business account from company called XXXX 
Chase being my bank and XXXX XXXX  being depositor bank. Then the company started withdrawing {$7400.00} XXXX. They tried 4 times but only 3 times went through total of {$22000.00}. 
The bank account that this happened to I didnt use too often. When the company attempted to take out money the fourth time the negative balance caught my eye and I reported the withdrawal as fraud. 
When I called XXXX XXXX, the representative told me that in order to get my money back they had to debit {$13000.00} from my account and send it to the recipient and then refunds the XXXX {$7400.00} back to my account. ( This conversation was recorded ) They debit $ XXXX and gave me temporary credit of {$22.00}. 
The bank ( chase ) opened up a new account for me, but failed to restrict the existing account for farther debits. 
Couple weeks later.Chase debited my bank account for {$22000.00} again and never returned the credit of {$13000.00}. 
So basically I am at the loss of {$35000.00} Chase is not doing anything to get my money back. Their excuse is that the XXXX XXXX gave them correct information about my business and bank account. 
Chase is not even trying to lower my loss to {$22000.00} by crediting $ XXXX back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: Account information incorrect

Complaint:
I was instructed by the XXXX XXXX XXXX to go into my local bank to set up a draft in order to pay my vehicle loan because the current system was not working efficiently. 
I set it up online and thought it was in order, only to find my bank needed me to go in to sign an authorization. At the time I was unable to due to COVID-19, and my payment did not get transferred in a timely manner. I informed consumer credit of the situation and asked for relief under the CARES act. They never informed me that my payment had not arrived and that they were not going to p [ provide me relief under the CARES act. They are reporting my payment as late. I have never had a late payment on my credit anywhere and all payments have gone through as planned ever since getting my draft. 

I am seeking relief under the CARES act for incorrect reporting of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XXXX XXXX, 2023.

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 2023-07-04
Company: EQUIFAX, INC.
State: MO
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: GA
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:
Your company claims the following accounts have been verified. Please provide your method of verification or delete these accounts immediately. XXXX XXXX XXXX XXXX is reporting incorrectly. There is an entry of XXXX for XX/XX/2021. Also you are reporting a balance on a closed account which is a violation. XXXX XXXX XXXX is also reporting inaccurately. You marked this account 30 days late consecutive months. This reporting is inaccurate. I can not be 30 days late on an account for back to back months. Lastly XXXX XXXX XXXX is reporting a balance on a closed account. This is inaccurate. I have attached screen shots as proof there was no proper investigation done and the accounts are still reporting inaccurately which is a violation of XXXX XXXX STANDARD COMPLIANCE

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