BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

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 2023-03-16
Company: SYNCHRONY FINANCIAL
State: ME
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 have been requesting this synchrony bank to remove all late payments from my report under an account that was closed without my consent. The company has not gotten back to by email, phone or mail. Also I never gave the company consent to report any late payments to. my 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 2019-11-17
Company: World Omni Financial Corp.
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: Account information incorrect

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports for XX/XX/XXXX and XX/XX/XXXX regarding SouthEast Toyota Finance, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I have never paid this account late. 
Therefore, I expect all these items will be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Called and attempted to cancel membership online. There is no option to cancel, only to downgrade. I do not want their credit monitoring service at all. 

They require you to sign up even to just receive a credit report. Then they charge you each month. 

I want a refund for prior months and for a cancellation / closure of 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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:
Fraudulent accounts appearing on my credit report. 

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 requested information from a company that is reporting on my credit file a XXXX XXXX and have not received any information from them. I sent a request for validation of debt and they have not sent me anything. If XXXX XXXX doesn't respond to the consumer about a debt they indicate to be mine then how are the bureaus getting their information?

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 2022-08-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 USC 1681. 

XXXX. XXXX XXXX XXXX # XXXX. Has violated my rights. 



15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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.

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 2023-09-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a high yield savings account with American Express, which I closed last year. One of the reasons that I closed the account is because American Express made it so difficult to access the account when it attempted to merge online log-in credentials for its credit cards and its banking accounts.

Anyway, I called American Express today ( XX/XX/XXXX ) to obtain the tax information to file my XXXX federal and state income tax returns and they were completely unhelpful. Not only were they not able to help me restore my log-in credentials so that I could print my XXXX Form XXXX myself, but the representative that I spoke with could not even give me the total interest amount for the year or email me a copy of the tax form. The only thing she could do was mail a paper copy, which takes a few weeks to arrive in the mail and may come after my tax filing extension deadline. It is beyond frustrating to not be able to obtain simple tax information from a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not have any wet ink signatures and no contract with Portfolio recovery associates , LLC. I do not owe them any " debt ''. 
I called on XX/XX/2023 and asked for a contact name to send certified mail to their company. I was told that unless I disclose exactly WHAT this correspondence is, they refuse to give me any names of any individual to send mail to. This is confidential information to be sent certified mail, yet they are requesting that I disclose this information on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
XX/XX/XXXX, XXXX credit card was charged {$5800.00} I have been trying to remove this charge since the day it occurred and it is now XX/XX/XXXX. 

I was on the phone with TD Bank WHILE the charge occurred. An email was sent at XXXX XXXX that day that the phone number for security had been changed on my account. I found it at the end of the work day and called them at XXXX XXXX. 

Original dispute request # XXXX was declined, reason given is it is a chip on chip transaction and therefore the card was present. 

Second request # XXXX was auto-declined, reason given is that this was a previously resolved case and duplicate claims are auto-declined. 

Most recent dispute request # XXXX Filed on XX/XX/XXXX. The TD bank representative who filed it stated it was " a shot in the dark '' because it would likely be auto-declined again. 

I called one more time after that and confirmed there is a note from XX/XX/XXXX that a card was printed at the branch that day. The person impersonated me at the TD Bank in XXXX XXXX, changed the online password, created a checking account in my name, changed the phone number on my account, and had a credit card printed. 

They then made a purchase at XXXX {$5800.00}, the charge was cleared by someone at TD Bank in XXXX XXXX WHILE I was on the phone with TD Bank asking about the email. 

I also got a letter from my employer verifying that I was at work that day. I see clients and our system can confirm that I was in appointments at that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
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: Their investigation did not fix an error on your report

Complaint:
I wrote the credit bureau on XX/XX/2021 about inaccurate accounts that are still on my credit report. I'm filing this complaint because they did not respond within 30 days and they did not conduct a proper investigation and they continue to report inaccurate accounts without providing their method of verification, which are all violations of the FCRA. I have written letters to the furnisher 's like the credit bureau told me to and they are not investigating either. I don't understand this because they law is plain and simple. They must investigate and correct or delete the inaccurate information. Please help me CFPB because they are not following the law and this is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good evening, none of the choices actually matches my problem. I checked my credit report on Experian 's website on Thursday, XXXX XX/XX/XXXX and noticed that my score had decreased by 17 points and I have no idea as to why. On XXXX XX/XX/XXXX my score was XXXX and today it's XXXX. I haven't had any late payments or anything of that sort so I sent a message via chat and spoke to XXXX unsuccessfully. He couldn't see anything besides something that happened in XXXX so that shouldn't have any affects on it. If you look at my record, you will see that my record and debt to ratio etc. is great. I'm just trying to get an understanding as to what has taken place. Being in the military, I take my credit and finances quite serious because these things affects security clearances and ultimately your career. Thanks in advance for looking into this. My ID # is XXXX V/r, Mr. 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 2020-12-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I noticed that there were 2 transactions in my Fifth Third checking account that were not initiated by myself or my husband. Both transactions were completed using the XXXX service which is offered through our 5th 3rd mobile app. 
Transaction # 1 was done on XX/XX/XXXX at XXXX XXXX  {$990.00} was XXXX  to recipient XXXX  XXXX via phone number XXXX Transaction # 2 was done on XX/XX/XXXX at XXXX. {$990.00} was XXXX  to recipient XXXX XXXX via email address XXXX On XX/XX/XXXX I called 5th 3rd Bank to file a dispute for both of these transactions. I was told that the investigation would take 7-10 business days. I spoke to 5th 3rd on Monday, XX/XX/XXXX to follow up on the investigation and I was told that the case was closed as they determined the charges to be correct. Obviously upset with this outcome I requested that the care be re-investigated. I was told that they would reopen the case, investigate but that since it was a XXXX person to person transaction its treated as cash and XXXX will not refund 5th 3rd. Therefor 5th 3rd will not be refunding my account for these fraudulent charges. 
I have tried numerous times to contact XXXX at XXXX. It is literally impossible to speak to a person at XXXX. I completed an email dispute form with them but have heard nothing. Their website says that You may also report the user directly to the FBI Internet Crime Complaint Center at https : //www.ic3.gov/default.aspx. on XX/XX/XXXX I made a comment on XXXX 's XXXX  page and they XXXX messaged me to " offer to help ''. I shared with them via XXXX messenger what has happened. Hoping that finally I've been able to connect with XXXX and may they will help me, I check the message. They did not read the message and blocked me so I am no longer able to communicate with them. 
I have included copies of the XXXX confirmations for each transaction. I have spoken to Fifth Thirds dispute department several times. That phone number is XXXX. The claim number is XXXX. If you need any other information, please dont hesitate to call me at XXXX. Thank you for your help in this matter. Its very much appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02
Company: Midwest Recovery Systems
State: VA
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 dispute with XXXX  twice to request removal of a collection in the amount of XXXX involving a collection company ( Midwest Recovery System ) whose client is an online payday loan  company not licensed in the XXXX of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and Midwest Recovery never sent me a notice that would allow me the opportunity to dispute the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, This serves as written notice that I have rights under 15 USC 1681.

15 USC 1681 section 604A section 2 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 card account under an open end consumer credit plan as late for any purpose. 

My consumer rights have been violated Numerous times and dismissed despite prior written request to update records. 

On XX/XX/2022 certified letters were sent to Equifax, XXXX and XXXX to update my personal information which was not done. Also on the same date I requested the following accounts be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ROBINHOOD MARKETS INC.
State: AK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
An unauthorized {$10000.00} transfer was made from my current account to my Robinhood brokerage account on XXXX/XXXX/2023. After contacting Robinhood, they requested various information which I timely provided. Subsequently, my Robinhood brokerage account was put on hold for review. The review has been going on ever since then and my money is being held XXXX at Robinhood. I've made several requests by phone and in writing for Robinhood to release my funds, but nothing has been done to date. I'm frustrated beyond my imagination that this kind of unprofessionalism can be going on in the US in 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-03-04
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: Account status incorrect

Complaint:
There seems to have been an account opened for XXXX under my name. My identity has been compromised in the Equifax and XXXX security breach as well as others. 

I am not liable for this debt with XXXX and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.

Company response to consumer: Closed with explanation