BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
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:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX and I'm including it again. Please adjust the following items immediately : 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 2021-05-12
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
By Discover Financial Services, continuing to report Misleading/unverified information as a consumer my rights have been violated and I attempted to allow discover to remedy the issue but it has not currently. My forms were sent to Discover, clearly outlining the violation of the FDCPA, never acknowledged despite me proving and providing them with documents such as : Validation of Debt, Cease and Desist, Affidavit of truth, Notarized by Notary, Examples of violation. 
My affidavit of truth and these other documents has been Notarized and sent off on XX/XX/2021 to Discovers Executive office, certified mail, return receipt. Additionally, a separate incident, proof of phone calls which clearly shows Violation of the FDCPA ( fair debt collection practices act ) The Report number : XXXX is for that issue and I sent invoice for. These are some of the violations 15 usc 1692a. 15 15 usc 1692b. 15 usc 1692c.

15 usc 1692d. 15 usc 1692e. 15 usc 1692f. 15 usc 1692g. 15 usc 1692h.

15 usc 1692i. 15 usc 1692j. 15 usc 1692k. The specific violations are in pdf form as proof. After sending my complaint, discover is now wanting me to submit forms or they will close out my account on XX/XX/2021 despite me sending a cease and desist and no remedy as been offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father died on XX/XX/2021 in XXXX XXXX, Florida. On XX/XX/2021, I went to the Chase Bank branch where his checking account was held at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I presented the death certificate and requested closure of the account. I am the beneficiary upon death and the bank did have that information on record. The agent assisting me urged me to go into the account and make sure all auto-pays were stopped before closing the account. I did that and returned the next day to request closure of the account. Because this bank account is where his monthly social security payments of approximately {$1400.00} were deposited, the agent informed me that the account would be on hold until Social Security confirmed that the last payment, which arrived XX/XX/XXXX, is valid. She explained that social security has 120 days to reclaim these funds, but I could request a letter from social security that would allow them to close the account. The account currently has more than {$16000.00} on deposit. When I log into the checking account, it looks as if the account is overdrawn by $ XXXX, so of course all funds are frozen. 

It is now XX/XX/XXXX, and after repeated ( 5 ) calls to social security, both local and national offices, they have consistently told me that they do not have a policy of issuing letters to financial institutions. They have consistently told me that it is up to Chase to send the funds in question back to Social Security if there is any question about the validity of the last payment. There is no order of reclamation on file with social security. I have called Chase bank branches both in my local area ( XXXX, MD ) and the originating branch and have not received resolution. There is no justification for this delay without explanation. 

It is unjust that Chase bank is holding my funds in excess of {$14000.00} ( excluding the social security payment in question ) for nearly 30 days. I would like to see resolution of this matter immediately so that I may pay my father 's funeral expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Account information incorrect

Complaint:
I had accepted a Settlement offer on a XXXX XXXX XXXX XXXX XXXX offered at {$1700.00} of a said balance of {$3400.00}. I paid {$1700.00} on XX/XX/XXXX and they still have failed to update the bureaus with the paid amount. The Credit Reports still indicate a balance of {$1700.00}. 
It should show as : CHARGED OFF ACCOUNT ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF This is what is reported : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Reported balance Highest balance {$3500.00} OVERVIEW Highest balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term 0 month PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXXXXXX  CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert on two of my credit bureau. The alerts stated that the Creditors name is AFNI at XXXX XXXX XXXX, XXXX, IL XXXX. Showing that is have an Account Balance of {$94.00}, Payment Status : Collection/Chargeoff, XXXX XXXX XXXX : XXXX  XXXX Other, & XXXX XXXXt : Placed for collection. It only shows a partial account number on one of the alerts and shows it was added to my credit report report on XX/XX/2021 on one site and XX/XX/2021 on the other site. I dont owe {$94.00} to any company and have a good credit score currently at XXXX on XXXX and XXXX on XXXX I dont want any false information to damage them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my transunion report and XXXX report I need to add the XXXX on my credit reports with both companies transunion and XXXX and take the incorrect addresses on my Transunion credit report and extra names and phone numbers on my transunion credit report.

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 2022-12-19
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: Investigation took more than 30 days

Complaint:
This Los an advisory that this account by the name of designed receivables has been knowingly and wrongfully reporting onto my credit report. I have sent this agency disputes which I will attach copies of here and they have been reading them and willfully choosing not to reply, this is grounds for removal and I will attach green return label for proof they chose to ignore me rather than to apply accordingly to my dispute letting them know they are illegally and wrongfully reporting to my consumer report. I AM ALSO REQUESTING PROPER AND COMPETENT VALIDATION OF THIS DEBT AND HIPPA AUTHORIZATION, A BREAKDOWN OF FEES INCLUDING ANY ALL COLLECTION COSTS AND MEDICAL CHARGES, A COPY MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY PRIVATE MEDICAL INFORMATION TO THEM, AND TO STOP ALL CREDIT BUREAU REPORTING UNTIL THIS DEBT HAS BEEN PROPERLY AND COMPETENTLY VALIDATED NOT VERIFIED BY ADDRESS THAT I HAD TO PROVIDE TO THEM CAUSE WHEN I CALLED THEY DIDNT EVEN HAVE MY ADDRESS ON FILE ( recorded )

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 2021-05-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in disagreement with the items which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: MI
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 XXXX of 2018 I noticed the company XXXX XXXX on my credit report. I did not recognize the company so I disputed this account asking for the signed contract of when I allegedly began an account. I have requested this from the company as well XXXX XXXX and they refuse to give this information to me yet Experian continues to report the information as they verified this alleged account as accurate on my credit report. If XXXX XXXX refuses to provide me with a signed contract according to the FCRA, how can Experian confirm they are consistent with reporting this information as accurate on my credit reports? Obviously there are inconsistencies with the Account Number, Payment history grid, date opened, terms, payment status, date late reported, and Date of Last payment and activity. Numerous missing and deficient account aspects leave this reporting significantly questionable and invalid. This is certainly not compliant in its mandatory perfect Metro 2 format reporting. According to the Fair Credit laws and fair debt laws for Experian to mishandle this account in this manner is unlawful. 

I believe that Experian is not even looking at my letters using XXXX and totally ignoring my concerns as they are hurting my credit score with the lack of concern.

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 2018-04-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check in my savings account which HSBC claims they send back to drawer the check was never sent back andbI want a copy of the return check company states in last complaint it was enclised which it wasnt i need proof to proceed in legal actions. Please provide me a compy of return check that was processed on my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX {$1200.00} Debt Opened XX/XX/2022 I have disputed this account on multiple occasions due to identity theft.

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 2021-05-12
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, I would like to submit a complaint about Binance.us, I transferred cryptocurrency into their exchange around XXXX of 2020, I submitted by identify verification documents around that time as well. The verification is still pending as of today. I submitted multiple support requests 2 months ago and have not received any commutation from them other than a question from their support team asking if I still needed help. I have over {$10000.00} on my account at Binance and can not transfer or do anything with the money because my identity has not been verified. I submitted all requested documents and was verified when US users could use Binance.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a bank to bank transfer on XX/XX/2022 between XXXX and TD Bank. 
Within my XXXX XXXX, I transferred {XXXX} from TD Bank personal checking to my XXXX XXXX XXXX XXXXk personal checking. 
I checked my balance today XX/XX/2022 and XXXX XXXX has a hold on my account until XX/XX/2022. This is unacceptable. 
I called XXXX XXXX and after 80 mins of multiple department transfers, I was told that they couldn't see a valid reason for the hold but couldn't make my funds available. 
I also called TD Bank and they stated that yes the funds is not available in my checking account but they couldn't reverse the transaction so I can cash the check instead and that I had to wait until XX/XX/XXXX for my money to be available. TD Bank also had no reason for the delay in the transactions. 
I would like the funds released immediately and for banks to be held to the same standards as consumers. The money was cash money deposited in TD Bank. No reason for the hold for 5 days. Unacceptable behavior by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.

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 2018-11-07
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:
My name is XXXX and I recently got an alert from XXXX XXXX   showing 3 new accounts of which I did not open. I love in Pennsylvania and these accounts wheee opened in XXXX New Hampshire in the amounts of {$1500.00}, {$1700.00}, and {$2000.00}. I have no idea how these are in my name!! I dont want to have to have this debt when I have no idea where it even came from or how it got there. It shows up as XXXX XXXX XXXX and they used the same account but have 3 different amounts. This occurred on XX/XX/2017. I dont know why I didnt get an alert sooner but as soon as I looked at my XXXX XXXX account I contacted you all. Please help me!!

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 2023-09-22
Company: Experian Information Solutions Inc.
State: IN
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website.

I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record

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