BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/XXXX and I still havent heard back from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XXXX/XXXX/202 and I still havent heard back from these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was shopping online on the XXXX/XXXX  website for exercise equipment. In the process, the website stated credit terms and invited me to see what limit I would qualify at. I filled in the requested data and an amount was listed. I selected an item and placed the order. About two days later, I received a letter from TD Bank that my credit was denied. I immediately contacted XXXX and canceled the order due to the credit denial letter. The product was never delivered. I then began receiving statements from TD Bank that I owed them over {$500.00}. I explained to TD Bank what happened and sent them a copy of the denial letter. They continued to bill me even though I never purchased anything. When I contacted them they continually denied my requests for a review and threatened to contact my employer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13
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:
I was aware of this fraud account on my credit XXXX of XX/XX/XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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.

has violated my rights. Or a 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 2023-09-14
Company: EQUIFAX, INC.
State: AK
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:
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 Account Number : XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: KY
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:
Equifax had a massive data breach 2017 information was Exposed on the dark web multiple times.. information was purchased and compromised I was getting threatening phone calls fake bills and I had to spend money to freeze 60 data Brokers send letters mail letter certified letter security freezes and Equifax refuses to pay the bill I sent them in the mail.. they don't want to be held accountable.. they're referring me to the Equifax settlement. In which they told me I will receive {$3.00}. 10-year years from now I'm thinking is this a joke.. I spent way more than {$3.00} it cost me {$25.00} to send all the documents to the Equifax class action lawsuit.. they responded there is a security freeze on his report it's much much more than that.. I'm the victim here I had a freeze every consumer data broker out there there's like sixty of them certified letter paid for security freeze hired a attorney xcetera All I want is Equifax to pay that bill they received in the mail I will be very happy.. 
But Equifax reuses to respond. 
I understand nothing but a nobody to them nothing but a product to make profit..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2021-05-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 there was an unauthorized {$1000.00} withdrawal made from my Navy Federal Checking account and transferred to an unknown account with XXXX. The credit union said that someone accessed my account using username/password and the funds were transferred to an external account. To setup transfers to external accounts the credit union required that I verify small deposits before I could transfer money out of the account. The only external account I have with the credit union is with XXXX XXXX and I had alerts set up whenever there is a transfer greater than {$100.00}, none of the alerts worked. I don't have but 2 devices that are authorized in my account and I checked both for malware and viruses with software suggested by the credit union and both came back clean. They promised me that my funds would be available pending an investigation, I was never contacted by the credit union and when I called back all they said was that the claim was denied and I would be getting a letter. I had reported this unauthorized withdrawal while it was still pending and the credit union failed to stop such funds from going out. I had no other devices that were authorized to login to my account, I reported the problem the same day it occurred, my accounts were closed and new ones were opened with the remaining funds. This was my mortgage payment that was stolen from me and I feel cheated. The credit union failed to keep their systems secured and now I've become a victim of their lapse in security. I have no access to the statement or any proof to where the money was transferred. When the old accounts were closed every evidence I could use was deleted. Almost as if to delete any proof and to deny me access to documentation about who or where my money was transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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:
I was aware of this fraud account on my credit XXXX of XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX has violated my right to privacy by reporting this account information. No written consent was given by me granting them access to report any of my personal and private information, nor to communicate any payment history on my behalf.

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 2021-05-11
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I, XXXX XXXX XXXX, am writing this pre-trial letter as a last and final attempt to settle the matter of my PayPal Account Funds My account was permanently limited in XX/XX/XXXX, After that I was ensured by PayPals Office of Executive Escalations Representatives ( XXXX and XXXX XXXX that I will have my funds available to withdraw by XXXX XXXX, XXXX. 

On XX/XX/XXXX, My funds, approximately XXXX CAD were transferred to PayPal itself for undefined damages caused by supposedly violating its acceptable use policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Mercedes Benz Financial Services
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: Account information incorrect

Complaint:
MB Fin Services is showing lates on my account that should not even exist. I see also a repo that didn't even happen? Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received statement of charges from VENMO for the amount of {$970.00}. I called the number printed on the statement to report that I didn't recognize the statement and that I am not aware of the account. The customer service representative were asking many personal identity questions but did not provide account number since the telephone number on the account did not match to mine. When asked to speak to his supervisor, he refused as he could not validate the account. He spoke with XXXX ascent and would not give confirm any information of mine.I also noted unknown charges in my personal credit card account which have been disputed. I have also reported and disputed this account that was reported to the 3 credit reporting agencies ( XXXX, XXXX and XXXX ). I can provide more details if requested by any agencies. Please investigate this and help me clear this scam. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 items ( A ). It is not permitted to report these items 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 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 2018-10-06
Company: ASTA FUNDING INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 This started all on XX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. 

I've never been XXXX XXXX  and I even noticed some time ago XXXX XXXX appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. 

XXXX XXXX XXXX is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! 

I've called XXXX XXXX XXXX every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call XXXX XXXX XXXX every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. 

They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE!

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: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello CFPB, On XX/XX/2023 I received notifications of charges on my Chase Credit Card ( ending in XXXX ). I contacted Chase and notified them of the unauthorized charges. I'll add the dates and charges below. They sent me letter stating that they have reviewed and deemed me responsible for all the transactions. Their reason was " You received benefit from this transaction. '' I am reaching out for assistance as these charges are fraudulent and I should not be responsible for these charges. I have added my bank letter regarding this as well as a former email notifiying me of another charge from XXXX that was declined. 

Thank you, Date : XX/XX/2023. 

Charges : XXXX XXXX XXXX - {$29.00} XXXX XXXX XXXX XXXX - {$130.00} XXXX XXXX  XXXX XXXX - {$50.00} XXXX XXXX # XXXX - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2021-05-11
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank, America First Credit Union is preventing me from receiving the PPP loan that I received from an outside vendor. My bank kicks the funds back without cause. My bank states that in order to receive my PPP loan that I have to have a business account in their system. The Small Business Administration approved my loan without me having a business account. My bank has overstepped. My bank does not have the authority to prevent me from receiving my PPP loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: MS
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted XXXX, Transunion, XXXX via certified mailed letter to remove addresses that arent associated with me and accounts that stated open and its been over 30days with no response or change to my credit.

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 2023-07-28
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: Was not notified of investigation status or results

Complaint:
Wasn't notified of investigation results. Company is harassing. 

The federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692

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 2021-09-03
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
During the year of XXXX, I was a college student who currently wasn't working. At the time, I didn't completely understand credit and how it worked. So, I didn't make my payments for two months, but after those two months I have made regular payments to credit card since. This past year, in XXXX of XXXX I was overpaid by my job and that was all the money I had in my bank account and that same week I was paid my credit card bill were due on XXXX XXXX. So, for XXXX it was shown as a late payment for 30 days. I have since made payments for both accounts as well as sent a good will letter and reached out to both credit card company.I have also put myself on auto pay with each credit card company.

Company response to consumer: Closed with explanation