BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 accounts 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 XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  ( Original Creditor : 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 2023-06-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I opened a checking account with TD Bank. On XX/XX/2023, I deposited a cashiers check for {$4000.00} with the branch teller. To which, I was given a receipt, stating {$100.00} available balance in account. I spent approximately. {$46.00} after leaving the bank... now the account reads XXXX and a 6 day business hold on the cashier 's check. 

TD Bank claims the hold is due to the checking account being a new account. However, a 6day business hold for a cashier 's check is execcessive. Additionally I was given a false record of what the available balance was after depositing the check..I find that it was unfair and deceptive. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting 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 recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
XXXX XXXX XXXX XXXX XX/XX/2023 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 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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 2023-03-23
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

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 2021-04-30
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, at approximately XXXX EST, I initiated a wire transfer of {$5000.00} to my Binance.US account to begin crypto investing. Binance.US issued to me the following information to affect the wire transfer from my bank : Recipient Name : XXXX XXXX, XXXX Recipient Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Routing Number : XXXX Account Number : XXXX Bank Name : XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Reference Code : XXXX REFERENCE CODE MUST BE INCLUDED IN ORDER FOR YOUR DEPOSIT TO REACH YOUR WALLET The above information was accurately provided to my bank, XXXX XXXX, and the wire transfer was processed immediately at XXXX EST, XXXX XXXX, and I was provided the following receipt/tracking information by my bank, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX TRN # XXXX XXXX  # XXXX Fed Ref # XXXX XXXX XXXX XXXX XXXX XXXXXXXX As of today, XX/XX/2021, Binance.US and their help desk ( XXXXXXXX  ) have NOT provided any information regarding why the wire transfer has not processed nor yet been deposited to my account. I am only given the repetitive boxed answer, that they are working on it, and I am asked repeatedly for the tracking and ID information again and again. As bizarre as it sounded, I complied when they recently asked me to provide a short selfie-video of me, showing my face, with my identifications and recent bank statement. That was last Friday morning, I provided it, and still no update or answer from them as to where my wire transfer deposit is. 
I am convinced there is some very nefarious activities going on with Binance.US and their partners. After some Internet research I found numerous chat rooms filled with similar events as mine with numerous victims to the same wire transfer M.I.A. scenario, i.e., https : XXXX. It has been happening to hundreds and hundreds of people, and many with six-figure amounts missing! 
Binance.US, their reaction to this seems suspicious, but again, XXXX is my only contact as their official help desk. After I complained excessively, and threatened going to authorities, Binance restricted my account so that I can not do ACH deposits or withdraw my money they already have in my account there. 
I ask that a full investigation of Binance.US and their partners, i.e., XXXX XXXX, XXXX XXXX XXXX, and even their help desk, XXXX be initiated. The hope is that we can rectify the situation with my lost deposit and stop the activity from continuing with others. I also expect Binance.US to assist me in immediately withdrawing all my funds they currently are holding XXXX at no fee or cost. My losses due to their unscrupulous business dealings is already in the many thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Money Services, Inc., d/b/a Texoma Finance
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been experiencing a substantial amount of medical issues which caused me to be off work for extended periods of time without pay. I have informed the agency of my medical issues and my inability to pay and exhausted all resources to maintain a good standing with the companies. I have sold my car, borrowed from family and friends and opened additional loan account to pay them even though in the state of Oklahoma the law clearly states you are only allowed 2 but they granted additional loans and where aware of the other loans and payments. When I went to the doctor I was advised that my symptoms are related to my diagnosis of being XXXX XXXX  and so since my healthcare plan administrator is human resource I did not want my health information to get out so I stopped using the insurance and the medication cost is {$2000.00} for 30 days supply which honestly I just don't have and even after checking if ran through insurance would be {$520.00} I just have been overwhelmed and sick. I have repeated explained the situation with the companies not going into deep detail and I am receiving at least 10 calls per day on every phone listed, the calls are then followed up with threatening text messages, all references listed are called and provided confidential information about me which my family friends are not aware what is going on in detail because I stay isolated due to immune system is depleted and I am unable to be around people. I am receiving voicemails about wage garnishment, my avoiding their calls and being a terrible person, my losing my job if the wage garnishment is filed. Just a number of illegal tactics to put stress or force me the pay funds I just don't have and honestly at this time I have big things to deal with. I have received a number of calls from various coworkers and friends at work not listed stating that they called the main line and asked for me and went into detail why they were calling which is outrages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was an unauthorized transaction of money being sent to a XXXX XXXX in the amount of XXXX. I did not authorize the transaction and did not allow anyone to use my device to make the transaction either. I tried resolving it with Cash app twice but both were denied and when asked to be sent the supporting documents they used to come to that conclusion, my request went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
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:
I applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.

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 2020-06-08
Company: Mutual Management Services LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a resident of XXXX XXXX apartments in XXXX XXXX Florida. My son came down to stay with me temporarily while he established housing. Management asked for me to leave based on people reported living in household. I spoke with them stating he would only be there temporarily. Finally, they sent me noticed that they were cancelling my lease and I would have to leave. I complied leaving them with apartment in better condition than moving in and a security deposit of {$1300.00}. I spoke with collection agency on several occasions and they refused to hear any dispute and I was told collection would continue. In addition, they are increasing the amount of collection as time passes and it continues to show on my credit report after 4 years. I owe nothing. I should be showing a {$1300.00} credit. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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 interested in processing disputes for all inaccurate information on my credit report with transunion that is hindering my credit profile that is not 100 % accurate. please remove all invalid data listed in the files submitted 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I received texts messages from Bank of America asking if charges were mine because they were from Florida and I reside in California. At that time I stated that they were NOT from me and proceeded to spend 2.5 hrs on the line with their customers service fraud department trying to work out the situation with reversing the charges as well as getting a new debit card and changing passwords in an attempt to mitigate any future fraud issues. I was under the impression that it was resolved after the 2.5 hrs I spent in XXXX and they gladly refunded XXXX of the charges that were fraudulent on the XXXX of XXXX. It is now XXXX and I looked at my account and noticed that on XX/XX/XXXX XXXX of the charges were taken back out of my account. I called B of A and after spending another 2 hours on the line with the fraud claims department they weren't able to explain why the money was taken out again. I asked to speak to a supervisor after over 2 hours on the phone with an agent that didn't understand what happened and wasn't able to provide an explanation and the supervisors weren't available. I am still waiting for the changes to AGAIN be credited back into my account. Bank of America has wasted hours of my time and money and they need to be held accountable for their questionable practices that cost their customers time away from work to resolve things that should be easily resolved. I wasn't able to wait the additional time for a supervisor and had to hang up because I have a job and B of A needs to be held responsible for the money they owe me and the time they've wasted.

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 2021-02-20
Company: EQUIFAX, 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:
You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-11-03
Company: Experian Information Solutions Inc.
State: MD
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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:
I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AX1 ) 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. In this is holding me back in hurting my credit profile from my future of purchasing me a new home

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 2023-11-10
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: Information belongs to someone else

Complaint:
I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items passed on that should be removed or blocked. According to FCRA segment 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer about my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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 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 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
In accordance with the Fair Credit Report act, BANK OF AMERICA, has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish 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 explanation