BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-08
Company: BBVA FINANCIAL CORPORATION
State: AL
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 A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX XXXX XXXX XXXX. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Advantage Credit Bureau Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Received the background screening report from Advantage Credit Bureau. They reported negative information older than seven years which should not have been according to the summary of my rights under the fair credit reporting act. The report was dated XX/XX/2018 and initiated by XXXX XXXX. This resulted in an adverse action taken by the company I was in the process of being hired for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Chime Financial Inc
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:
I have contacted Chime multiple times disputing a claim of multiple unknown charges totally over {$2000.00} and filing multiple rebuttals. Dispute # XXXX. Every one of my claims has been denied within hours of being filed. When I requested documentation of why my claim was denied, the only thing I was sent was a list of the charges and the intake form that was filled out when I called to file the claim. I called again, requesting additional information why my claim was denied and I receive the same documentation. I contacted the merchant myself and spoke with them, and they claimed there has been no dispute filed on my behalf from Chime, they dont have an account for me for any purchases, and that I needed to contact my bank for them to file a dispute claim. I again contacted Chime about this, and again was denied, and again received the same denial documentation, which was only a list of charges and the intake form. I sent them screenshots of the merchant information and explained that I spoke with the merchant, and they have no documentation of a claim filed on my behalf. XXXX opened a rebuttal and it was denied within five hours. Every time I call I get the same answer from Chime. They dont give me any documentation or information about the snail and they say the only thing they can give me a screenshot of the charges and the intake form to you. I explained to them that regulation E requires them to give me specific documentation about my claim denial, and they refused to give me that information, claiming they can only give me the screenshots I have been given. They will not allow me to talk to any of the investigators that work with disputed claim, And they wont give me any investigation information. I contacted the FDIC and the police to file a report and they stated they needed the documentation from Chime and when I asked chime about this, they told me again they could only give me the screenshot I am filing the claim against chime in hopes that they will actually do investigation and look into my claim. I did inform them that I would be filing this with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am submitting this Complaint to bring to TransUnion 's immediate attention a serious discrepancy in the information that they have reported on my credit profile. It has come to my attention that TransUnion is currently reporting DELETED accounts and information from other credit bureaus. I must remind TransUnion that as per the Fair Credit Reporting Act ( FCRA ), it is paramount that the information TransUnion report is 100 % accurate. Therefore, I demand that TransUnion IMMEDIATELY REMOVE these account from my credit report as soon as possible : TRANSUNION : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1300.00}. It is evident that there has been a grave oversight on the part of TransUnion Credit Bureau. The fact that TransUnion are still reporting an accounts that has been deleted by other bureaus suggests a blatant violation of the FCRA regulations. I can not stress enough the importance of maintaining accurate and up-to-date credit information, as it directly affects my financial well-being. It is TransUnion 's legal obligation to ensure that the information TransUnion report is accurate, complete, and free from errors. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is TransUnion 's responsibility to conduct a thorough investigation into the matter at hand.

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 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wired {$20000.00} from my XXXX account to below detailed recipient but their account has not been withdrawn. The request for the refund has been rejected by their bank. I need legal help. Wire transfer information Date : XX/XX/2023 Account Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, NY XXXX Recipient Account information Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX XXXX Bank XXXX Bank of America XXXX Address : XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX I reported to XXXX XXXX where I sent the money from but they said Bank of America has nothing left. They claim the money was withdrawn by the recipient. My recipient was never able to access and withdraw it so Bank of America is lying and stole my money. Either provide the proof that recipient did withdraw or return my money. Otherwise I will report to FBI

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 2023-03-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$6400.00}.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX # XXXX, 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

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 2020-06-04
Company: Experian Information Solutions Inc.
State: TN
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:
Experian did not properly investigate my XXXX. I never had a XXXX account. 

Experian did not properly investigate my XXXX account. It is saying I was late. I was never late. 

Experian did not properly investigate me XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX XXXX XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my Dept ed/XXXX  account. It is closed and still showing on my credit report duplicate accounts. 

Experian did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX  account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX account It is closed and still showing on my credit report. 

Experian did not properly investigate my XXXX XXXX Account. I never had a account with them. 

Experian did not properly investigate my XXXX XXXX account. I never had a account with them. 

Experian did not properly investigate my XXXX account. I never had a account with them. 

Experian did not properly investigate my Chapter XXXX account. I never had a account with 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 2023-10-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Securus J Holdings, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
i had a jpay account and my account was compermised by someone I don't know on two different times.i called the company as soon as I found out about these transactions.The person I talk to gave me this website to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-08-08
Company: JPMORGAN CHASE & CO.
State: NJ
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:
To whom it may concern : I am trying to save my home and the lender is saying I have old history with XXXX XXXX XXXXXXXX, Chase and XXXX XXXX. 

These accounts appear to be close the the 7 year mark. Upon looking at the accounts there are a few months left. I am hoping someone here can help me with a good will adjustment. 

Please I need these accounts removed. If it is possible for you to look into this and help me get these accounts deleted. There are 4 in total. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: NRA Group, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2023, I disputed a debt of {$1400.00} with the three credit bureaus asking National Recovery Agency to verify the debt by providing an original signed contract. They did not provide requested verification but claim the debt is verified with all 3 credit bureaus. According to 15 USC 1681i ( a ), the agencies are in violation of my rights. In addition, XXXX was reporting a social security number that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Type of Business Credit Bureau Inquiries Auto Dealers , New Auto Dealers , New Auto Financing Auto Loans Auto Financing All Banks Bank Credit Cards All Banks Bank Credit Cards Commercial Banks

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 2023-06-27
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 fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2020-08-08
Company: Experian Information Solutions Inc.
State: AL
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 A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES 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 2021-02-10
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX stating that I owe a current account balance of {$1100.00}. That is incorrect because that is not my account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased XXXX XXXX XXXX XXXX XXXX necklaces in XXXX. 

On XX/XX/XXXX  I purchased 1 at {$680.00}. On XX/XX/XXXX  I purchased another that I was charged {$680.00}. Both purchases were confirmed by their service personnel as full credit within 30 days. 

I returned both in the same package on XX/XX/. 
I received a credit of {$440.00} on XX/XX/XXXX  and another credit of {$490.00} on XX/XX/. 

Total charges were {$1300.00}, partial credit received was {$940.00}. I called XXXX XXXX, spoke to customer service and was told a supervisor would contact me with 10 days. Nine days later I received a voice mail message from " XXXX '' who said there was a restocking fee with returned items and that is why I did not receive full credit. 

This is when I contacted Citi Visa to dispute the missing {$420.00}. Now after 4 months of dealing with Citi Visa they sent a letter to my online Citi account saying due to the amount of time since the original charges they no longer have any recourse on my behalf. Citi Visa made mistakes from the beginning over credits, conditional credits and credit reversals. Citi Visa has charged my account and extra {$680.00}. Citi owes me {$680.00} credit plus the {$420.00} they never resolved with XXXX XXXX. 

It absolutely has taken me a long time to try to get this resolved. 

Citi Visa never got the amounts correct, never done the right thing by standing for me, they have only allowed time to go by without ever persuing the correct amount I should have been credited by XXXX XXXX in XXXX! Three months later they give up and charge my account again! I am absolutely disgusted with XXXX XXXX for not properly crediting me the full charges stated in their their policy and 3 of their employees, 2 when I purchased and again when I called to verify the return mailing address stated. I am more disgusted with Citi Visa for not properly addressing my dispute, doing anything about it other than charging my account incorrectly and now for totally dropping the ball. They need to credit my account {$1100.00} immediately. I will then pay the balance on the account and cancel the account.

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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX ; XXXX and Transunion are reporting incorrectly late for XX/XX/XXXX on the XXXX   XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.

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