BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: SYNCHRONY FINANCIAL
State: AZ
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-09-03
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
{$760.00} was transferred to another Netspend user I don't know named XXXX XXXX XXXX XXXX.i admittedly notified NetSpend and they denied my claim because they say the IP that was used has been logging in to my account since XXXX. I searched and the IP is based in XXXX Washington. Im in XXXX pa XXXX miles away so it was not my IP. The only transaction the IP made was to steal {$760.00}. I did XXXX  transaction my own ip.

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 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One withholds precise information about the statement period for my account. I want to know when the current statement period ends. Capital One refuses to reveal the information on their web portal or app, until the period actually ends. At best, when I search extensively I can find only a range of possible end-dates. Furthermore, there is no way to lodge a complaint online. 

By contrast, my XXXX XXXX account tells me up front the date on which the current statement period will end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! This is very inconvenient on my part!

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 2017-09-08
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:
Equifax had a security breach and my information is believed to be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: REGIONS FINANCIAL CORPORATION
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:
XXXX  has been non-compliant with removing the unverified account REGIONS BK XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that REGIONS BK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX 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 instructio ns

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 2022-09-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

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

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 2017-09-08
Company: EQUIFAX, INC.
State: NC
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:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Lendmark Financial Services
State: GA
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:
Lendmark 's response did not address my concerns. 

My social security card is a credit card pursuant to 15 USC 1602 ( l ).

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from the consumer report. This transaction that I am speaking about is a specific extension of credit and shall be excluded. 

They openly admitted that their policy doesn't abide by federal laws and that they are sticking to that. The person who responded on behalf of Lendmark was not there for the consummation of the transaction and has no first hand knowledge of what took place and what information was or was not disclosed to me. Please declare that I was disclose with adequate disclosures required by federal law under the penalty of perjury. I did not CONSENT to any of my nonpublic personal information to be shared with anyone as it related to this private transaction. The sharing of this information is a violation of my privacy. 

Their statements " Does Lendmark Share? Yes. Can you limit sharing? No. '' " Should the customer want to limit the types of sharing, they can call '' contradict themselves, this is also further proof that they are failing to uphold their responsibilities under 15 USC 6802. You can not tell me that I do not have the right to limit sharing when federal law says that I am supposed to be provided with the opportunity to opt out of sharing. 

What laws says that Lendmark has the right to report anything to anyone without MY permission? What law says that Lendmark has the right to continue to disclose my nonpublic personal information with any third party before giving me the disclosure to direct that such information not be disclosed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Good morning, Chase Bank is still posting items out of order in a way that maximizes the number of fees they can charge. They allow some things to go through when the account is negative at their discretion but not others. As a result, I do not have enough money to buy groceries or put gas in my car, because {$400.00} has gone to fees at Chase Bank. Its untenable and predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
On XX/XX/2022, I was alerted by TransUnion, that my account information had changed, and my credit score went down by XXXX points. The reasoning for the reduction of XXXX points was not clear nor easy to find. A full three agency credit report had to be done, which cost additional money. When I reviewed the information regarding my XXXX XXXX, that is in good standing, was closed and labeled " removed. '' TransUnion is the only agency to have reported the XXXX  XXXX account in this manner. This erroneous report damaged and hampered my ability to close on a home loan. The account that was given a new account number, but never was closed. XXXX XXXX said they never requested for the account to be removed, nor do they remove credit lines in good standing. I followed up on the same day and was told by TransUnion to file a dispute, whether it is their fault or not. TransUnion 's agent further told me that my only option was to report to CFPB, because they only respond to their customer 's request. They do not investigate their errors. Because the account has a balance, this action will affect my ability to gain a home loan and will affect the interest rate that I had qualified for prior to this error. Furthermore, I have been paying for TransUnion 's monitoring service that states that the consumers ' of this product would be provided certain services, i.e. a rationale for changes in credit scores. This did not happen..

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 2017-09-08
Company: EQUIFAX, INC.
State: NV
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:
Equifax Inc. suffered a cyberattack that affected 143 million U.S. customers with some people in other countries as well. I am one of those people. I visited www.equifaxsecurity2017.com and it said I was a potential victim. I feel they have mishandled my information and used it improperly by securing it in such a poor way. A major credit bureau should have an extreme detail to their cyber security and Equfax failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint concerns my TD Bank credit card. I have not used this card at all this year. In XXXX a fraudulent charge of {$1.00} was posted to my account. I reported this after receiving a letter in the mail telling me my account was past due. That was in XXXX. I reported the fraudulent charge and was told an investigation would take place. My card was cancelled and I was sent a new card. In XXXX I got another letter saying my account was past due and that I owed {$75.00} - all stemming from the {$1.00} charge. I was reported to the credit bureau because of this. I believe this was improper because I reported the fraud and all fees, charges, etc. should have been placed on hold. What a mess and terrible way to treat a customer over a {$1.00} charge. A simple XXXX search would show that the company that posted the {$1.00} XXXX is well known for this scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting Act, Section, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FRCA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or many payments or forbear any delinquent amounts.

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 2022-09-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX I was going to order a temporary replacement while my permanent one was being made. I was going to finance it through a company called XXXX XXXX XXXX Then I was informed that a temporary replacement couldn't be made for me because I don't have enough XXXX. So I never utilized XXXX, XXXX yet they charged me anyway. In 2018 they charged me {$350.00} and I refused to pay it because I didn't received the product. They claim that I made payments to them but then stopped so they sent it to collection which never happened because I never made any payments because I don't owe them any money. This is a blatant lie on their part and according to the credit bureau they have had trouble like this with XXXX XXXX XXXX in the past. Why do they get away with this? My credit score has dropped substantially because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
COMPANY DEBT CREDIT SYSTEMS RESPOND WITH FAKE APARTMENT LEASE AND PRIVATE CONSUMER INFORMATION DEBT CREDIT SYSTEMS LLC PURCHASED A LEASED ONLINE AND APPLIED ALL CONSUMER INFORMATION AND ADDED OUTSTANDING BALANCE. ALL FALSE INFORMATION REPORTED BACK TO CFPB UNDER THEIR WATCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BAM Management US Holdings Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I noticed suspicious account activity on my BinanceUS account. Therefore, I manually executed the option to lock my BinanceUS account using the lock option on BinanceUS on XX/XX/2021. Later, I created a request ticket and sent BinanceUS the reason why I chose to manually lock my account. 

NOTE : My current BinanceUS account contains over XXXX of crypto to include BNB, ADA, VET, USDT, and USD. All funds remain available in the wallet prior to me manually locking my account. I read many posts about how BinanceUS claims to be backlogged with tickets. 

My first initial request ticket XXXX was made On XX/XX/2021, I made a request to have my XXXX XXXX to be removed from my account. BinanceUS required a selfie of me holding my driver license. I submitted the required document. XX/XX/2021 I got a response stating the following : " Thank you for contacting Binance.US customer support. 

First and foremost, I sincerely apologize for the delayed response! I can assure you that you have not been overlooked! We have had an influx in customer responses over the past few weeks, and although we are trying our best to keep up, it is taking us a bit longer than usual to respond. 

We have now escalated your inquiry to the appropriate team for further assistance, we appreciate your patience while your ticket is reviewed. 

Thank you, Customer Support Binance.US " BinanceUS never reset my XXXX XXXX 

XX/XX/2021, BinanceUS responded requiring me to submit a selfie containing a statement on paper, my ID, a written address, and utility bill containing my address. I submitted all documents on XX/XX/2021. 

XX/XX/2021, I notified BinanceUS to determine the delay for verifying all required documents and unlocking my account. I got no response. 

XX/XX/2021, I notified BinanceUS to determine the delay and got no response. 


Now, it has been 3 days and I have not received any confirmation/acknowledgements from BinanceUS that my submitted documents have gained approval towards unlocking my account to gain access back to all of my assets. 

I have over XXXX of assets sitting within my account that I have no access until BinanceUS responds and unlocks my account. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 u.s.c. 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2022-09-03
Company: EOS Holdings, Inc.
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've requested verification of debt 4 times, however they never respond to my letters but continue to send invoices. I've attached all letters that I've sent to EOS and they fail to respond. 


XX/XX/XXXX Debt Validation Letter XX/XX/XXXX Debt Validation USPS Tracking # XXXX XX/XX/XXXX Request to remove from credit report due to lack of response USPS Tracking # XXXX XX/XX/XXXX 2nd request to remove from credit report due to lack of response USPS Tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Investigation took more than 30 days

Complaint:
Repossession : In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

I demand these accounts be deleted immediately or I will file for litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief