BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( Original Creditor : ) 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 2020-04-14
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had been a member of PayPal for over 5 years. I had to close my account because of payments that was sent from my bank ( XXXX XXXX XXXX XXXX XXXX not being process. Now I am trying to pay the balance due, and for some reason paypal is not crediting my account or accepting payments from my bank at times. I used the same bank account with my PayPal account that I used with synchrony banking which is listed on PayPal site. A payment of {$40.00} was initially accepted on the site and then returned on the same day. Synchrony banking stated that the bank account was wrong. I told them that the account on the site was the same account that I had used for paypal. I asked synchrony banking why did the one time payment go through? I used the same bank account, for both transactions and when I authorized payments I checked the listed with the same bank information. If you look at exhibit 1 The bank account no is XXXX, and then exhibit 3 the bank no is XXXX. My complete bank account no. is XXXX. I used my online bank XXXX XXXX  XXXX XXXX XXXX for my XXXX back up and for some reason, the money did not come out of my account {$41.00} for the XX/XX/XXXX. Exhibit 6. Paypal and my bank failed me, and now I owe over a {$100.00} more and my payment went from {$28.00} a month to {$78.00}

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 monetary relief
Consumer complaint received 2020-12-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi Macy 's Mgr ; I have never being late! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am actually concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation? 
HOW DID YOU ACTUALLY VERIFIED THESE ACCOUNTS BELOW? 

Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as itlegally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove thatyou have in fact conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency Provide the SPECIFIC date reporting that these items will cease Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : Who did you speak to? 
On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party?

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to privacy and confidentiality. Under the law 15 USC 1681. ( XXXX Account number XXXX ) Replace this with the accounts being disputed has violated my rights. 

15 USC 1681 section 602 A States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

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 2022-08-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
To whom it XXXX concern, Upon reviewing my Credit Report on XX/XX/2022 I noticed that for the month of May 2022 is reporting to be over 30 days late. 

I contacted the company XXXX XXXX and spoke with representative XXXX ( the representative would not provide a ID number. 

The representative reviewed my account and confirmed that there is no indication of my account ever being 30 days late. 

The company would not provide any information over the phone and will send a payment transaction via mail.

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 2023-09-13
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
filed my first claim with Cash App maybe XXXX weeks ago. 
They closed my account with no remark. XXXX weeks later I found that all claims were active and open. I spoke with a few supervisors and they let me know that my Provisional Credit was issued. About XXXX employees refused me service, lied about claim details for example they quoted an entirely different claim and requested reports that didn't exist. There have been site errors, connection errors, and payment issue errors on every deposit related date. What is going on here CASH APP. HOW DARE YOUR EMPLOYEES STEAL FROM ME. I REPORTED THEM TO THE FTC AND THEY HAVE BEEN ORDERED TO REISSUE MY CARD AND ACCOUNT REFUNDING ANY CLAIM CHARGES. Such Horrible Service I could hear the people in the background tell the agent to drop my call and cross wire my funds. They ignored the Supervisor and stole from me to my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX continues to show my account as delinquent on my big 3 credit reports even though I have provided evidence that the original account was due to identity theft/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 2016-05-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Cash advance

Complaint:
My wife XXXX XXXX was denied a cash advance in XXXX ( she had pre notified Citibank of her travel to XXXX ). Their excuse was that she had not used cash advances before. She was standing in front of a teller with full id in XXXX when denied. She had not used a cash advance before because it was a 7 month old credit card account with Citibank. 
Complaint filed with NY attorney general follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2016 XXXX XXXX New York Attorney General The XXXX XXXX, NY XXXX Dear Attorney General, Thank you for your good work during your term. 
I sent the attached message to Citibank Credit Card. Through their neglect and incompetent polices they have left my wife, XXXX, without cash in the XXXX XXXX. 
Thank you in advance for challenging Citibank 's policy of denying cash advances ( {$230.00} ) where a client has provided advance notice of their travel ( XXXX ). 

Very Truly Your XXXX XXXX Cc : Citibank General Counsel- XXXX XXXX After talking with Citibank fraud department and requesting a supervisor ( wo n't be available for 48 hours ). I sent the following to Citibank by their customer message system. 
XXXX My wife XXXX notified you that she was traveling in XXXX. You have this on record. 
After her Citibank debit card was eaten ( was not returned ) by a bank in XXXX this past weekend for unknown reasons She went to the their branch to get a cash advance on her Citibank Master Card before she bordered a plane to the XXXX ( no wifi, no electricity ). 
UNFORTUNATELY CITIBANK BLOCKED A CASH ADVANCE!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
For {$200.00} and she notified you she was there!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
She now is in the XXXX without cash ( or debit card ) and no trust in CITIBANK!!!!!!!!!!!!!!!!!!!!! 
What are you going to do about it!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX your Quants for programing that stupid logic!!!!!!!!!!!!!!!!!!!!! 
Never had this problem dealing with XXXX. Will start pursuing other option since your people are worthless Internationally. 
You are liable if she is injured or marooned in any form because she does n't have cash!!!! 
WHAT ARE YOU GOING TO DO TO CORRECT THIS!!!!!! 
!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2022-05-12
Company: Experian Information Solutions Inc.
State: SC
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 Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus XXXX XXXX or Experian have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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:
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.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}

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 non-monetary relief
Consumer complaint received 2021-08-21
Company: NAVY FEDERAL CREDIT UNION
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:
Today is the XXXX of XX/XX/2021 and navy federal has generated my closing statement for the XXXX. I made a payment today that will not be included in my payment statement even though I made it a day early before the actually closing statement day. I was told ( when speaking to an employee of the bank ) that the closing statement was produced on Friday which was yesterday the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 stuff that TransUnion has on my credit is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans TransUninion is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX   XX/XX/19 & XXXX? XXXX XXXX XX/XX/19, XX/XX/19 & XX/XX/19 I did not apply for a XXXX XXXX or XXXX 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 2020-11-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I checked my credit reports and I found items that do not belong to me. I requested proof of the account and did not receive a response from the credit bureaus. I also asked for a change of address and that was not done. I also did not receive notice 5 days prior to these accounts being placed on my credit report. According to the FTC and TCRA, I am supposed to receive a notification and I have not received a notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2022 the vehicle was totaled, and the remaining balance paid off by GAP insurance. In the same month the primary owner who was XXXX, passed away due to unrelated causes, since then the cosigner has been asked to pay {$300.00} a month to cover the interest on the loan. There are documents stating there is no money owed and that there may be a refund. I am the mother of the cosigner ; I am assisting her with this complaint because of XXXX she does not understand she is being manipulated. She has paid {$2100.00} to the lender thus far. It is my belief she is being targeted due to her XXXX. She only receives {$840.00} a month and has to raise XXXX children.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : XXXX, TransUnion and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my XXXX, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.

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 2020-07-28
Company: Army and Air Force Exchange Service
State: AZ
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:
Re : CREDIT REPORTING ERROR. Misreporting Military Star data reporting to XXXX and XXXX includes 1 ) dates of last activity on XXXX, 2 ) duplicate reporting on XXXX, and 3 ) balance on duplicate XXXX reporting.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please delete these accounts ASAP.

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