BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
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 15 USC 1681. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
My name isXXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX has been reporting 3 of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which XXXX XXXX  XXXX XXXX  sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit 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 2022-07-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank approved my account and I qualify for a cash bonus in the amount of {$300.00} for making a {$15000.00} to that approved account. Now, Citibank refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating Citibank is using this promotion to lure customers to their platform - and then refuse to honor the terms outlined. This evidence suggest that Citibank is aiming to expand their client base under false pretenses.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a Hard Inquiry from XXXX on XX/XX/2023 I have no knowledge about.

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 2022-02-16
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Complaint of Bait & Switch conducted by OneWest Bank, A Division of CIT Bank, XXXX. 

Address : XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Phone : XXXX XXXX XXXX local branch ; XXXX XXXX XXXX toll free The problem : I opened a checking account with {$10000.00} as advertised XX/XX/XXXX. The banker said I qualified for receiving {$300.00} bonus if I complete all the XXXX steps within XXXX days. I completed all the requirements and the bankers admitted that I did. I gave the bank more than the promised period to process the bonus, however, I never receive it. XXXX  months later, XX/XX/XXXX, I called my branch and the center office, to my surprise, the answer was that I would not be eligible to receive the {$300.00} bonus anymore! During the XXXX months, no one contacted me by mail or phone to inform the change. I believe that the banker checked my account history at the time of the account opening and found it ok to open a new account and the there was no disclosure on the promotional literature to describe anything particular as they changed the rule. Assume if my account were not qualified for the bonus, why did the bank opened this bonus account for me? Why did the bank not inform me all this time if they found any error or any change? Why did they let my account remain open with {$10000.00} balance required for the {$300.00} bonus? This is typical XXXX XXXX XXXX, it is unethical. XXXX XXXX is a senior community. I wonder how many seniors have been mal-treated like this, people responded to the XXXX to open an account with large balance for a bonus and just to find it unqualified when it is time to receive the bonus. I am left no choice but to make this complaint with your org. I have uploaded the evidence of the promotional Advertisement and my receipt of deposit at the time of opening my account. ( No other documents with fine prints were provided to me at the time of the account opening. ) I wish your organization help me get fair treatment, not to let the small private bank take advantage of me and other seniors customers anymore. 

Thank you for looking into this matter! I look forward to hearing the resolution soon! I can be reached at XXXX XXXX cell/ XXXX XXXX ; email XXXX XXXX ; my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please note that the bank will be bought by another financial institution in a month or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Rosebud Economic Development Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
multiple phone calls to my cell phone 3 calls in a row within 2 minute span - attempted on XXXX separate occasions- emailed XXXX XXXX XXXX XXXXXX/XX/22 and still communicated with me XXXX min later

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 2019-10-25
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Lnv funding sold account to XXXX XXXX XXXX XXXX XXXX XXXX. Took legal action and served me with judgement. In XX/XX/2017 served XXXX XXXX and took {$1200.00} out of my account. They still took action and took my daughters account at the XXXX XXXX XXXX XXXX without serving me paper work till after it was taken out a week later then the bank. The still after multiple phone calls and nasty attitude they had went after a judgement while I was employed with dairy farmers of America and where taking XXXX every two week for four months. They have received more then the amount requested. Legal action is next step with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed by an investment scam company called XXXX. 

I invested a total of XXXX as XXXX onto the trading platform XXXX over a period of time beginning in mid-XXXX XXXX 

With the advice of my " mentor '' XXXX, I made trades about every 2 weeks. Either short or long trades. Depending on the info provided by XXXX XXXX uncle, who supervises a technical analysis firm in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

He mentored his niece, she mentored me. I had built up assets totaling XXXX XXXX XXXX. The trading cycle had ended. I was withdrawing the full amount to transfer to my Kraken wallet. The transfer was not successful. I didn't know why. 

XXXX said to write to customer service. I did, and they replied that my account was " abnormal '', and that I would need to pay an additional 20 % fee to unfreeze the funds. 

Both the principal and the fee would be released upon receipt of the additional 20 %. I said : " XXXX, what is this? She said : " Oh, yes, I had to pay 20 % fee to withdraw a similar large amount the first time from XXXX. So did my uncle. '' I said : " Why didn't you forewarn me? '' I do not have XXXX in disposable income to pay the fee. XXXX did not have liquid funds to help me out. Her funds were still tied up in some trading account. 

I absolutely will not take from my remaining retirement funds to pay this. I need what's left. I am okay, but no further reduction is possible. 

XXXX suggests I write customer service back, asking for a deadline extension ( beyond XX/XX/XXXX, which is seven days from the freeze ), pay some now, and pay the remainder before the deadline extension. I explained to her this will not happen. I don't have the funds. 

This is where I'm at. I have written off the XXXX in my mind. There is no crypto court or law to complain to. I can only write back to customer Service, but I don't even know what I would say at this point. 

I contacted the institutions involved in my case. Namely my bank, the beneficiaries of my money, the police... I am now seeking help from you. 

I primarily hold responsibility against my bank and the beneficiaries, namely Payward Ventures INC doing business as Kraken, which is why I'm addressing you. 

Please assist me with recovering some of my money.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2022-12-04
Company: Brown and Joseph, Ltd
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Brown & Joseph , LLC sent a letter alleging a balance due to XXXX XXXX XXXX XXXX. " Regretfully you have failed to reply to our repeated request to voluntarily resolve this matter ... .Unless payment in full is secured immediately, our client has requested that we immediately refer this account to the XXXX XXXX XXXX. '' The put a stub to send payment to XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX. This is a ghost debt. Made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
A deposit in the amount of {$1700.00} on XX/XX/XXXX. The first time I used this card was at the UNITED STATES POSTAL SERVICE for {$11.00} then my remaining balance was XXXX there's no transaction for that {$100.00} that was gone, all of the other withdraws state the balance after I withdraw the money. I just want to know where is my {$100.00} that's not accounted for

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 2023-10-09
Company: NAVY FEDERAL CREDIT UNION
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:
After looking over my account on XXXX in between XXXX I called to have my checking account number change due to the fact that I called off the marriage to my partner. After leaving him I found out that some how he had access to my online banking information in which I did not give to me. The rep I spoke with never told me that my account would be compromise. I had filed disputes and fraud claims only to get a supervisor to tell him that I had something to do with this and talk down to me like I was nothing .They shut down my debit card, and online access to checking account. so if they did send me message on what was needed I could not get it because I did not have access to online banking. I informed them several times that I was a victim of identity theft and where did I need to send the documents the said do not worry. I have been fighting this claims for a long time the forgot to send me any updates on the claims so I had to file and appeal which the close due to my account getting compromise. I request a copy of the following documents that lead up to the denial. They asked me to faxed documents sent the documents thru e message then the denied my claims stating that it was not there it was there they just did not go thru it so I sent over the documents multiple times until I had to do it my self to put each claim the proper document to support it and they said they did not received it. 
I told them that I had identity theft my credit was frozen and lock I filed police reports and FTC report and identity theft report and they still talk down to me and treated me bad. Because I did not the answer to a question I ask and they got mad and raised their voice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I want to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accountsXXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : 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 2022-02-16
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
They charging me for a mortgage thats already paid for thought my trust account. I signed paperwork with XXXX XXXX not with a 3rd party debt collection company name thats on my credit is XXXX I never signed with them.. They dont have the original documents.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In reviewing my credit report on XXXX there is a collection account I do not recognize aXXXX XXXX XXXX XXXX XXXX in the amount of {$3900.00}. According to FCRA and FDCPA, debt collectors are required to send written notice before attempting to collect or report alleged debts. XXXX has violated my rights by not allowing me the 30 day " Right to Dispute ''. Additionally, this collection account is reporting as " Past Due '' which is also a violation of the FCRA and FDCPA. I am demanding the removal of this account from 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
ABOUT 2IN AND HALVES YEARS I HAVE BEEN GOING THRU IDENITY THIEF, I HAVE TAKEN THE PROPER STEPS TO SUBMIT THIS CLAIM, I AM CLAIMING MY FRAUD INSURANCE AND MY LOST WALLET PREVENTION, IN XXXX I DEPOSITED MY BUT I'M DEPOSIT TO CASH APP, THEN DEACTIVATED THE ACCOUNT, UNKNOWEST TO ME I FORGOT TO LOCK MY ACCOUNT, AND CASHAPP XXXX, CASHAPP XXXX AND CASHAPP HAS LET ALL THESE UNAUTHORIZED PEOPLE TAKE MONEY FROM MY ACCOUNT ALL THIS IS IN MY MESSAGES IN CASHAPP , WHEN I FIGURED OUT WHAT WAS GOING ON I ACTIVATEDY ACCOUNT IN XXXX THIS YEAR THEN I REQUESTED MONEY FROM MY XXXX ACCOUNT WERE SOMEBODY IN THE CASHAPP DEPARTMENT KEEPED EXPKRING MY MONEY, SO I COULDNT GET IT OF MY CASHAPP, WHEN XXXX  FOLLOW THE MONEY I WILL FIND WHO IN CASHAPP WAS COMMITING FRAUD, AND IDENITY THIEF, I HAVE RECENTLY LOCKEDY CASHAPP ACCOUNT SO NOBODY ELSE CAN TAKEONEY FFOM MY XXXX  ACCOUNT, XXXX ACCOUNT, I HAVE SPOKEN AND VIRTUAL CHARED WITH INDIVIDUALS WHO GUAREENTED THEY WOULD FIX THE PROBLEM SO I CAN GET MY MONEY FROM CASHAPP ALL OF XXXX FOR I HAVE NOT EVEN GOUCHED XXXX XXXX FROM MY XXXX  ACCOUNT, I WOULD LIKE ALL MY MONEY BACK PAID IN FULL FROM CASHAPP, COULD U SEND XXXX IN MAIL XXXX  BRING IT IN PERSON TILL MY IDENITY THIEF AND FRAUD CASES ARE COMPLETED THANK YOU XXXX XXXX MY NAME IS SPELLED TWO WAYS XXXX XXXX DATED : XX/XX/XXXX TIME : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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:
I financed a car with XXXX on XXXX of XXXX I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The HEROES Act my rights are being violated

Company response to consumer: Closed with explanation