BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-06-12
Company: EQUIFAX, 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: 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. XXXX XXXX, in amount of {$3700.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: 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. XXXX XXXX XXXX, in amount of {$500.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid 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:
To whom it may Concern, On XX/XX/2020, I called to dispute a transaction that was made fraudulently, as stated on your web site. Originally, I had to demand that my card be changed because your customer service representative advised that he would only note my account about the fraud charges and because they were still on hold there was nothing that we could do until the charges post but I insisted that the charges were already removed from my account and that they were not authorized. The representative ensured me that there were no worries and that American express bluebird is backed by FDIC and fraud protected. My money will be refunded after the 10 days investigation because not only did I call right away but also the transaction was made in different states or over the web. On XX/XX/2020, I called back into the customer service and was advised that I could now submit the fraud form since the charges were no longer pending in which I did. I filled out everything. I even called the merchants as advised by the customer service representative and was advised that it would be my bank that will refund me the money. Several transactions occurred on the same date in several different states that I am in no way affiliated. This is a clear sign of a fraudulent transaction. 
View Transactions Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA BILLS Edit - {$110.00} XX/XX/2020 Transaction ID : XXXX Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, GA BILLS Edit - {$41.00} XX/XX/2020 Transaction ID : XXXX View Transactions Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, GA BILLS Edit - {$800.00} XX/XX/2020 Transaction ID : XXXX Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, GA BILLS Edit - {$300.00} XX/XX/2020 Transaction ID : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score and is supposed to be accurately reported to all 3 bureaus. 
I sent in a dispute letter more then 30 days ago and have not received a solution. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Blitt and Gaines, P.C.
State: IL
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:
Blitt and Gaines LLC have stated they are a debt collector and have attempted to collect a debt that has not been verified. Enclosed is the dispute pertained to the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$630.00}

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 explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX PM XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Someone by the name of " XXXX XXXX '' contacted myself, and my sister in law, demanding I contact the mediation department immediately. I called the number given and they stated I owe a balance for XXXX, which has since been paid off, closed and archived. I called XXXX to verify my account was no longer open, and the debt was paid off. XXXX stated my account has been archived and paid off. I continue to receive calls and my family members are receiving texts and calls looking for me. They are harassing my family and I, inviting they will " take further action if the debt is not paid etc ''. The phone number that contacted my sister in law is 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 2023-02-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX, I opened a BMO Harris checking and savings account. I received the bonus as advertised on the savings account, but did not receive the bonus on my checking account. The bonus was in the amount of {$300.00} and was to be paid within 120 days. It is now XX/XX/XXXX, and the bonus was not paid. XXXX XXXX XXXX via chat on XX/XX/XXXX verified that my account met the requirements. Shortly after, I called the number provided and was told to wait a little longer for the bonus to post. I have waited for the statement to close, and the bonus is still not posted. Chat attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used my personal information to open a bank account and receive medical care. I just noticed the problem when I went to look into purchasing a new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
My vehicle was traded in at the end of the lease on XX/XX/2021 and the dealership who took the trade-in paid off my vehicle within the time XXXX XXXX XXXX provided yet XXXX XXXX XXXX XXXX still reported XXXX  day delinquent on my 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 explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
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:
Wrong info : fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the afternoon and evening of XX/XX/21 I reached out to my bank - Chase in regards to a scam that was happening to me in Real time. I spoke with the XXXX dept to let them know I was trying to purchase a pet traveling case using the Chase XXXX XXXX which pended. Due to this I received numerous calls from the fake company because they did not receive the money being asked for which was {$990.00}. The call was now to report the pending transaction as fraudulent and since the account was pending was in review, I needed it to be documented that I was requesting Chase to stop and decline the payment. XXXX states on their site it takes XXXX  days for a pending charge to clear. And I have a screen shot of the XXXX  payment pended from the Chase site. I was told since the review had not been done yet this request could be made. Later that evening Chase bank released my payment to the scammers and I got back on the phone with Chase and opened a fraud case. I have been in contact with Chase, my local police, the XXXX, the FTC, the FBI XXXX unit, XXXX themselves and placed a fraud alert on my credit. Chase decided on XX/XX/21 to credit me back the {$990.00} and then reverse their decision on XX/XX/21 with no reason. I have emails and paperwork on every step I took and not once was I reached out to during their investigation. Though I called every often to state I can submit paperwork to them, I was told to hold on to my paperwork as the case was pending. Now I have a negative {$990.00} in my account and these scammers skipped away with my money THOUGH I called Chase to stop the payment and decline the review and they said they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am writing this complaint towards Paypal which permanently limited my account and being accused of selling of unapproved file sharing services. Resulting to my account has been permanently limited and won't be able to conduct any further business with Paypal. Bank XXXX linked can not be removed and my account balance will be on hold for 180 days. 

I was able to comply with the action that they would like me to do including sending tracking information which is inappropriate for virtual goods/services for my business. 

I would like to seek help on this matter as these funds and account is very beneficial for me and my business. Hoping to get the best help from you. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
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: Was not notified of investigation status or results

Complaint:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX  data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2021-04-28
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I ordered items from XXXX on XX/XX/XXXX XXXX {$120.00}. I have a Direct Express text alert setup on my phone. The charges on XX/XX/XXXX kept popping up individually for things I ordered on that day. Then today XX/XX/XXXX another {$120.00} was charged to my card XXXX same thing ) I have been double charged. Also I have unauthorized charges from XXXX totaling up to {$39.00}. I was only refunded {$19.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
GMAC had our mortgage our home was paid off in XXXX. We worked for XXXX transfered in XXXX our transfer monies was used for house we actually mortgaged XXXX GMAC did a piggyback for XXXX which they were to get when our transfer money was paid which was done in XX/XX/XXXX now we sold our home didn't realize no lein release closing is holding XXXX of our monies on the XXXX website it show 3 inactive. we have 1 release attempting to get other 2 no success contacted Bankruptcy court out of New York attorney General in Pennsylvania, Missouri, XXXX ( only autos ) we are hitting brickwalls everywhere we go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was with Td bank for 2 months whenever I switched to chase I asked them to transfer funds to my new checking account and close the old one they refused and keep on calling me.

Company response to consumer: Closed with explanation