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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear Credit Bureau, this account if fraudulent. I contacted the lender and they told me that someone added me as co-signer. But I never co-signed anything and didn't give my permission for that. I also never used that car and have no idea about this loan. 
Please remove the fraudulent account from my credit report : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/2020 Account Type : Auto Loan I have not applied for the account. That account, either the vehicle do not belong to me. I have been trying to dispute this account for several months. I can not believe this account is still not removed from my credit history. This time I have prepared additional documents to support the disputing process. Thank you!

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 2017-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I responded to EQUIFAX Hack by submitting my information to obtain promised credit file monitoring package from their TrustedID Premier program onXX/XX/XXXX. I received an email from Equifax stating that " We have successfully received and are processing your information. '' on XX/XX/XXXX. The next step in the process was to send me an email to finalize the enrollment and activate the product. I have checked my email daily for 10 days until XX/XX/XXXX at which time I called the Customer Service number. They were not able to give me any information except that their servers are very busy and could not indicate when there would be any response. I requested to talk with a supervisor who responded that I should call back and he rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MO
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:
i sent the credit reporting agency letters stating that my mortgage company was reporting. Inaccurate information I sent proof bank statements of date payments were made and they said they validated or verified that it was true no I sent actual proof of my bank statement, but they didn't send me anything of the process that they did to prove that it was verified so I'm requesting them to remove those late payments from my credit report. 
according to 15 usc 1681s-2 -1681 ( a ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed the XXXX XXXX  info @ least once on all 3 reporting companies and obviously they all get the same info from XXXX.this acct is from XXXX and should be removed. I have been told by XXXX it would age off XX/XX/XXXX, Experian XX/XX/XXXX. However now XXXX has changed acct closed dates to XX/XX/XXXX. I have been unable to secure an auto loan since this, even though I had a paid as agreed XXXX XXXX just paid off XXXX ago. I was told by Finance mgrs they have never seen a closed auto loan be re opened ever much less 7 years.later. I can't get any help from credit agencies and don't understand their broken english. I'm not real savy with this but I hope you could investigate and fix.this. I have never filed a cplaint before but I am being mistreated here and if you look at all dates and documents I know you will understand what is going on. Please help, I have worked hard to fix things and now I get turned.down.for.everything. looking.to use my VA loan to buy a home, I'm a 40 % XXXX XXXX XXXX and I'm not asking for a favor just want this.to be fixed correctly. Also I'm sure last payment was in XXXX. I lost my job couldn't make payments and in XX/XX/XXXX I started getting my SSDA and soon after.my Veteran.Diability or this would never happened. That's why I think XXXX last payment.i just want to know when this will be removed as XXXX XXXX  is mad at my disputing but I know they have changed dates etc... Very sorry this is long but I'm very upset and can't get help and will this cover all 3 bureaus? Thanx, 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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
Per the company 's response XX/XX/2023 they stated the address on file was apartment XXXX in which they sent all correspondence. I have never lived in apartment XXXX nor does that address show up on my credit report. I also did not make a phone call with the company on that made up date. What evidence do they have regarding a phone call I made and what was it about? My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. The address they are referencing is not on my credit report nor does that account belong to me as they have no contract with a wet signature. Please remove this item immediately.

Company response to consumer: Closed with non-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 XXXX On XX/XX/2021 2021

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am writing to formally dispute unauthorized inquiries and accounts on my credit report, which I believe violate the provisions outlined in 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681g of the Fair Credit Reporting Act ( FCRA ). 

I recently obtained a copy of my credit report from XXXX and Transunion dated XX/XX/XXXX, and discovered the presence of unauthorized inquiries and accounts that do not belong to me. I understand that under XXXX USC 1681 ( a ) ( 4 ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. In light of this, the unauthorized inquiries and accounts on my credit report raise concerns regarding compliance with this provision.

Furthermore, 15 USC 1681g of the FCRA grants consumers the right to request and obtain a copy of their credit report from a credit reporting agency. I exercised this right and reviewed my credit report, only to find discrepancies that require immediate attention and resolution. According to this law, there should be no fraudulent information as this is defamation to my character. 

I reviewed a copy of my credit report and have found unauthorized inquiries, names, addresses and information listed that are not related to any transaction by me. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2022-05-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our property taxes for the year were {$970.00}. 
There was {$4600.00} in escrow. 
Lakeview ( XXXX XXXX ) claims to have disbursed {$6200.00} to the city and the county, who have not received payment. 
I subsequently paid {$1000.00} out of pocket per an end of the year tax bill. 
The city and county tax divisions do not record any other debts paid on the property. 
Because Lakeview claims to have disbursed {$6200.00}, they now also claim that our escrow account balance is- {$1500.00}, and have increased our monthly payments by {$340.00}. 
This is a new build home that closed in XXXX. The property taxes did not total $ XXXX for the entire year and were estimated at {$3400.00} at the date of closing.

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 2023-04-12
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. 


Account Name : XXXX XXXXXXXX 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 2022-02-16
Company: JPMORGAN CHASE & CO.
State: MD
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:
Using XXXX ( XXXX ), I sent funds to a friend in XXXX on XXXX, XXXX, and XXXX using my Chase Visa card. Normally, I transfer funds to XXXX from my XXXX bank account, but there were technical issues accessing XXXX, according to XXXX. Afterwards, I discovered that Chase charged a {$10.00} cash advance fee for each transfer. I have not used a credit card like this before, but there was no disclosure on the XXXX website of a fee, so I assumed the transaction was the same as renting a hotel room or condo via XXXX or XXXX. XXXX and XXXX act as third party intermediaries for funds transfers and there are no cash advance fees. I contacted both XXXX ( XXXX and XXXX ) and Chase ( XXXX and XXXX ). Neither had a clear explanation or owned the lack of disclosure, but Chase indicated they would credit my account for the fees. I want a clear explanation of how these transactions should be treated, credit card charge vs. cash advance, why there is no upfront disclosure about fees, and whether Chase decided on their own to modify the transaction in order to collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
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:
PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE ACCOUNTS : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
A business called XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX ( also XXXX XXXX XXXX, XXXX, GA XXXX ) Phone Number ( XXXX ) XXXX, sent me a letter dated XX/XX/XXXX. 
The letter informed me they had a cybersecurity incident in XXXX XXXX. I had worked for two of their restaurants in the past- XXXX XXXX and XXXX XXXX. They indicated that exposed files included my name and social security number. 
They said they were providing complimentary credit monitoring and identity protection services for 2 years via XXXX. 
When I contacted XXXX to sign up for the services offered by XXXX which required I submit certain documents, including a notarized form for Power of Attorney, after being activated on their XXXX 's web site the site listed only a single monitoring service? So I called XXXX today to verify the documents I sent them had been received and asked about their service. I was informed that XXXX has been contracted with XXXX to only monitor TansUnion 's credit reporting activity. 
I attempted to contact XXXX and got the run around - no answers, busy, voice mails- ultimately I could not reach anyone at XXXX to ask why the service only included credit monitoring of only one major credit bureau - TransUnion. Also after contacting the number in the letter and providing the Enrollment Code the employees at XXXX never informed me they only monitored a single Credit Reporting Bureau - because there are in fact 10 credit reporting bureaus I am aware of ( 4 major and 6 sub-prime ). After enrolling, mailing documents, then visiting the " XXXX XXXX ' provided to me at XXXX 's web site did I see the inference that only one credit bureau was monitored.

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 2020-07-11
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2023-04-12
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:
There is an item on my credit report from XXXX XXXX XXXX stating that I owe {$940.00}. When I reported it to Transunion they said that they had to contact the company to verify if I owed the debt. When I researched it online, I found lots of complaints for this company in which they claim that people have $ XXXX {$1000.00} worth of unpaid magazine subscriptions. I have not had any magazine subscriptions in years and never in that amount. Further research stated that I should report it to the FTC which referred me to you. I do not owe any magazine subscriptions and I do not want this fraud on my credit report! XXXX XXXX XXXX shows as XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2021-10-05
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
In XX/XX/XXXX, I received a notice from BAM Trading Services Inc, d/b/a Binance.US that reported suspicious account activity and recommended that I disable my account for security purposes. I followed the recommendation, and after a few weeks attempted to reactivate my account. My intention was to move my funds to a safer location and increase the security on my account. However I could not reactivate my account, and despite multiple support requests to Binance.US on XXXX, XXXX, XXXX, ( and today XXXX an attempt for a virtual chat seeking a live agent- there are none ). I have had no response to my multiple tickets submitted for reactivation of my account, save automated Bot responses that report the request has been received and my multiple requests have been merged into a singular ticket, pending since XX/XX/XXXX. I have no update as to the status of my request and my several thousands of dollars are locked in my inaccessible Binance.US account for months. I have read the FAQ and taken appropriate actions as recommended by Binance.US to restore a XXXX account. 

I am seeking the help of CFPB to motivate Binance.US / BAM Trading Services to assist me in accessing my account and funds. I was a member of Binance since XXXX and migrated my funds to Binance.US this year with US regulatory changes, unaware that this total lack of customer service response is a pervasive issue for US customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
My complaint is with title max XXXX az XXXX & XXXX school I have had this title loan on my back for XXXX years n the principle never goes down its almost like you have to pay it all back at once the payments mean nothing I pay XXXX a month for a XXXX dollar loan which in XXXX years I have given over XXXX dollars to these people as of right now XX/XX/XXXX my vehicle has been XXXX  in Texas I am here visiting family XXXX they took my truck knowing I have made XXXX years of payments an quickly paid to get my truck back previously meaning the same thing happened on XX/XX/XXXX XXXX XXXX an I had to go thru this process this is sickening how they can get over on people ruin their holidays an the people at the office who I make my payments too every month for XXXX years constantly act as XXXX they dont know who I am every time we speak didnt have the thought to call me XXXX let me know before they decided put in for XXXX this is crazy my truck is a XXXX XXXX XXXX for me to over pay this much something has to be done it has to be something I can do an on top of recent repo I lost my job Cuzz the XXXX company says I have to wait till mon to retrieve my truck due to so many XXXX  in Texas so Im stuck paying a hotel room till Monday at XXXX thats when they say I can have my truck back after I have already paid in full Friday this is not what a loan company should be able to do to someone thats actually paying for something I needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX Capital One Savings Account # XXXX I responded to a Capital One savings account promotion on XX/XX/XXXX by opening a consumer savings account. The promotion promised a {$100.00} bonus on condition of depositing {$10000.00} within 15 days of account opening. The following day on XX/XX/XXXX, I deposited the {$10000.00}. On XX/XX/XXXX, I withdrew {$9000.00} from the account following the 90 days. 

See the text of the offer here : " Earn a cash bonus when you open a high-yield 360 Performance Savings account with promo code XXXX, make a deposit of external funds within 15 days and hold the deposit in the account for 90 days. '' According to the offer, the {$100.00} bonus should have been deposited by XX/XX/XXXX. On XX/XX/XXXX, I contacted CapitalOne regarding the bonus and was told that the 90-day holding period began on XX/XX/XXXX, not on XX/XX/XXXX, and that I had not met the 90-day holding requirement. The representative stated that the case would be escalated for consideration and could take 45-60 days to resolve. 

This failure to make clear the timing requirement is deceptive and unfair. Had I known the holding period commenced on XX/XX/XXXX rather than XX/XX/XXXX, I'd have left the funds in for more time. On the surface, this is 12 USC 5531 violation.

Company response to consumer: Closed with explanation