BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission 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. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX 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 2022-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to deposit a check with my phone that my sister in law signed over to me and my account was restricted and all of my funds held because they thought it was fraud. I went into the branch with my sister in law and two forms of id like they requested and my funds are still being held!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed I continued to receive this post card in the mail from this company Credit Protection Association. I took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the lady said I would receive something in the mail in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ). Ironically the only thing I keep getting is the post cards but no infomation. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My purse was stolen a few years back and I have been battling to get fraudulent accounts removed from my consumer reports. I filed a police report, I filed with the FTC and I contacted the companies involved and sent info to them but these accounts are still showing on my reports. I need them blocked!!

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 2020-04-07
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Resurgent Capital a few months back to dispute the debt which I continue to dispute. However, Resurgent has placed this account on my credit bureau ( which I hold is a violation of the Fair Credit Reporting Act ) so I contacted them in an attempt to settle the bill. 

During the call, I made a settlement offer of {$600.00}. First off, the collectors were  extremely rude. I explained I am XXXX and there are no assets for them to come after. I then asked to speak to a supervisor as they refused to even propose the offer to their client. 

Please make a note, of the three people I spoke to ( which can be confirmed by the attached audio recording of the call ) none of them provided the disclosure that " this is an attempt to collect a debt ''. 

All of the reps refused to take the settlement offer to their client which is a violation of the agency relationship as established by law. 

Further, I contend such actions are a violation of the FDCPA. However, at the very least, Resurgent Capital violated the FDCPA by not providing the required disclosure. 

I will be speaking with my family attorney about my options with regard to filing suit against Resurgent Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: NAVY FEDERAL CREDIT UNION
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:
I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/2018. NFCU placed a late charge on my account because they claimed I didn't pay the final payment in full, which is utterly ridiculous. Why would pay on time for 35 months and not pay on time the last month due in the amount I had on my schedule to pay? But no one bothered to contact me to let me know the last payment had increased for some odd reason. I have tried to correct this for the past 3.5 years. Their was an error in their system that caused my account to increase verses decrease in the amount of the due amount I reportedly submitted. To no avail they refuse to reverse the error and again recently when I filed through XXXX and XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : COLLECTIONS ACCOUNT : XXXX XXXX ORIGINAL CREDITOR : XXXX BALANCE : {$3300.00} REMARKS : Derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: SC
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:
This inquiry does nothing for you, but hurts my credit. Please supply a copy of my request for credit. Please have the name, date, and what was applied for and send to me as you are required if I dispute the information. 

I have several ongoing complaints that have not been resolved concerning the same issues. Not one creditor has supplied me with the information required. Due to the time and lack of information all should be deleted from credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I am filing this complaint against Experian for failing to properly investigate and remove fraudulent accounts from my credit report despite multiple attempts and providing sufficient documentation to support my claims, including a police report for identity theft. 
Details : * Initial Dispute : * Sent : XX/XX/2023 * Received by Experian : XX/XX/2023 * Disputed Accounts : XXXX XXXX, XXXX XXXX XXXX, and ACHIEVE PERSONAL LOANS ( detailed as fraudulent ). 
* Experian 's First Response : * Dated : XX/XX/2023 * Content : Generic response questioning the authenticity of my dispute and providing no substantive action on the reported fraud. 
* My Follow-Up : * Sent : XX/XX/2023 * Received by Experian : XX/XX/2023 * Content : Expressing frustration with the lack of action and demanding an investigation as per the FCRA regulations. 
* Second Experian Response : * Dated : XX/XX/2023 * Content : Identical to the first response, neglecting to acknowledge my specific dispute or the evidence provided, and not taking the required action to investigate or remove the fraudulent items. 
In both cases I provided my Drivers Licenses, Utility Bill, Police Report, Identity theft report Violations : * Failure to Act : Experian has not taken action within the FCRAs stipulated 30-day investigation period.

* Non-Compliance with FCRA 605B : Experian failed to block the fraudulent information within four business days following the acceptance of my identity theft report and supporting documents. 
* Generic Responses : Experian has only provided generic responses, ignoring my direct communications and documented evidence of identity theft. 
Impact : This inaction by Experian has left fraudulent information on my credit report, affecting my financial standing and causing significant distress and potential financial harm.

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 2023-04-28
Company: U.S. BANCORP
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Action Status : 1. The Branch Manager at USbank XXXX XXXX  XXXX has stated that he has also reported this case to the authorities in his bank as well and the fraudulent person 's account has been flagged. 
XXXX. The case has been assigned to Detectives in XXXX and XXXX XXXX. 
3. The case has been reported to the originating bank, Central Pacific Bank in XXXX. I have a contract with a construction contract called DISTINGUISHED DEVELOPMENT in XXXX XXXX. I provided a payment to this company through checks written on Central Pacific Bank for {$6200.00} and {$1500.00}. A fraudulent person, Case : XXXX XXXX, intercepted the checks and created a company called DISTINGUISH DEVELOPMENT as well as a bank account at USbank with that name. He was able deposit those checks into his own bank account, hence stealing the funds. The bank did not properly check the name on the check to see that it was different and allowed the transaction! The entire purpose of a trusted bank in this function is to check to see that the payee and the payable match! I would like my funds to be returned to me from USbank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # 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 2023-04-28
Company: Block, Inc.
State: MN
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 XXXX XXXX XXXX, I XXXX XXXX made three XXXX purchases XXXX XXXX. ) XX/XX/2023 order number # XXXX XXXX items in the amount of {$26.00}. with taxes. XXXX. ) using my Cash-app card ending in XXXX XX/XX/2023, order number # XXXX, one item in the amount of {$12.00} with taxes. using my credit card ending in XXXX. XX/XX/2023, order number # XXXX two items in the amount of {$35.00} with taxes using my cash-app card ending in XXXX. XX/XX/2023, order number # XXXX XXXX items in the amount of {$120.00} with taxes using my cash-app debt card ending in XXXX. On XX/XX/2023 at XXXX CT, I received my Social Security deposits in the amount of {$960.00} and {$110.00}, totaling in the amount of {$1000.00}. yet, my cash-app card checking account reflects the amount of {$920.00}. Which indicates I am missing {$150.00} out of my deposits. Once I contacted Cash-app customer service regarding this issue, they stated it was a glitch on their end regarding my XX/XX/2023, purchases claiming that my order was not properly processed and that only {$120.00} was taken out to repay XXXX for the orders placed. However, XXXX stated that all orders I purchased was processed and approved and that there is no recent payments made to any of my XX/XX/2023, orders. I contacted Cash-app for the second time regarding this matter and yet they again stated that it was a glitch in their system and that the recent payment of {$150.00} will not show in XXXX system nor reflect on my account. However, a glitch means it will show up because the payments have to process successfully. I have strong reason to believe Cash-app has shadowed my account and purposely stole {$150.00} of my hard-earned money and now is trying to cover it up. Cash-app has several class action lawsuits against them for illegal financial practices. I want a full refund of {$150.00} returned to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 2023-12-13
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The new loan servicer is unable and incompetent at locating payments I've made. 

I made my XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX through the Marcus App and neither Marcus nor the new loan servicer can find the payment. I am not paying again for XXXX when I've already made the XXXX payment. I've called the last five days and both aren't able to do anything. I'm not making another XXXX payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
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:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2020-04-06
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company Allied collection placed a debt for {$300.00} on my credit file, I have told them numerous times that anything pertaining to the original creditorXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  was paid by my insurance ( Florida XXXX ). Prior to this debt being placed on my credit file which is how I found out about it I never received any notices regarding such debt. When I filed a complaint with the XXXX   of XXXX XXXX, ACS claimed they were calling me, I have never received any calls from them, nor messages, nor WRITTEN correspondence regarding this matter. ACS needs to stop reporting inaccurate false debt to my credit report and remove the inaccuracy.

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 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Greetings, I recently received an American Express Business Gift Card for {$500.00} from my employer as a reward for 25 years of service. Payment was declined 3 times for attempted online purchases. The first attempt, twice, from XXXX XXXX XXXX  on XX/XX/XXXX for {$58.00}. I called card services and was told that the card had to be used in a mobile wallet, which is not what the cardholder agreement states. The second attempt from XXXX XXXX on XX/XX/XXXX for {$120.00}. I called XXXX XXXX and their rep tried to run the card manually but it was denied again. I called card services again and they saw no problem with the card and told me that I could use the card as a regular credit/ debit card. The only resolution received from this call was to try other merchants. The third attempt from XXXX on XX/XX/XXXX for {$120.00}. After that, I used my own credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
transunion removed 3 inquirys from my record but heres some that they should of removed but didnt please reveiw these XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are result of fraud and should be removed

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I

am writing in regard to my credit report which was recently issued to me and includes negative items from the following. 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. 

Please remove inaccurate information CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Doesnt exist. Inaccurate information My rights have been violated sharing and posting information that is not accurate per FCRA please remove The FCRA is a federal law that requires credit bureaus to provide consumers with fair and accurate credit reports. Section 609 of the FCRA states that whenever a consumer disputes an item on a credit report, the credit bureau must provide reasonable procedures to ensure that the information is in fact accurate.

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 2022-05-05
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX dispute letter, FTC, and Identification documents attatched. 
Pursuant to 15USC 1681i company has 30 days to respond.

Company response to consumer: Closed with explanation