BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers XXXX XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! SMH Ive had calls from someone in TX saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX XXXX etc. I demand justification, remediation immediately!

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers n XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! SMH Ive had calls from someone in TX saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX XXXX, etc. I demand justification, remediation immediately!

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 2020-10-23
Company: DISCOVER BANK
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have purchased travel tickets during the winter for the travel in XXXX. Due to Covid, all flights ( 4 international tickets for my family ) have been cancelled. I have opened a dispute because the travel agency refused to refund the tickets. They were ignoring all requests and not refunding for months. Finally, got 3 out of 4 tickets refunded in XXXX and then received a note that the 4th ticket is not being refunded through Discover because they need more " proof ''. I do not understand what other proof they need, yet I have spend more months calling the travel agency and finally was able to get a written confirmation that they are refunding all 4 tickets. It has been over a month since then. Discover is still investigating the 4th ticket. I have called weekly and they refuse to connect me to a supervisor. Magically a supervisor is not available week after week and never calls back. I want to close this card and pay it off, but I can not do this until the dispute is finalized and I am refunded the last payment of {$1000.00}. Please help me, Discover has not been supportive and has not been my advocate through this difficult situation and has not assisted me through this dispute. They have put all the pressure of chasing the travel agent myself and did nothing to get my money back.

They are not providing an escalation point and have received all necessary " proof '' for the full refund. I don't know what else to do to get my money back for the travel that never occurred because all flights were cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. XXXX has paid, Experian has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.

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 2018-09-21
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent various letters to several of my debt accounts to dispute. Yet, don't seem to get removed from report. I have been disputing through mail and have also disputed via online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Experian Information Solutions 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( Experian, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( Experian , XXXX  ) XXXX XXXX  /XXXX Account Number : XXXX, ( XXXX ) XXXX XXXX Account Number : XXXX, ( experian, XXXX, XXXX ) XXXX XXXX  Account Number : XXXX, ( Experian ) XXXX XXXX XXXX Account Number : XXXX, ( XXXX ) XXXX XXXX Account Number:4PUR87XXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2018-07-26
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX  XXXX TransUnion ) XXXX XXXX /XXXX Account Number : XXXX, ( XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX, XXXX, XXXX XXXX XXXX XXXX  Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( XXXX  ) XXXX XXXX Account NumberXXXX

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 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I am XXXX and was approved last year for Total and Permanent Discharge of my student loans. XXXX  has removed the loans from my credit report, but after disputing two times with TransUnion they state the loans are correct and due and will stay on the report. 

I have several student loans on my report this is the results of one of the disputes XXXX Reported on XX/XX/2010 {$5800.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, in the early afternoon, I went to the XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX  branch of the Bank of America. My wife and I are purchasing a house and in order to sign the contract with the seller, we were to wire 10 % of the purchase price to the sellers ( {$72000.00} ). I met with XXXX XXXX. I gave XXXX the wire information and she gave me a Funds Transfer Request Authorization stating the wire had been sent. Later that evening I received an email from the attorney 's office stating that they never received the wire transfer. I spoke with Bank of America and I was told that they had put an urgent label on my wire. I also reached out to XXXX and was told that the wire would be sent later that night or first thing the next morning ( XX/XX/2021 ). 

Today ( XX/XX/2021 ), I received an email from the attorneys around XXXX XXXX XXXX stating that they still had not received the wires. I immediately called Bank of America customer service. After speaking to numerous people who couldn't provide me an answer or locate my {$72000.00}, I was told that the back office who is in charge of the wire transfer process has no phone number and no way of being reached out to. No one can tell me where my money is, when it will be sent, where it is and who is in charge of the process. XXXX and BofA were well aware that I needed that money sent yesterday to close on our first home. I need to know where my money is as we are in danger of losing this home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been getting emails saying I might be a victim of idtinty theft and every time I put in a job application they always want me to check my credit or just seems like some one using my social and 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 2023-03-15
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX is calling all times of the day and late evening. But, worse they are coming to my house at all hours of the day and evening ringing the doorbell and banging on my door. They do this 2 or 3 times a day. We have told them to leave our property or we will call the police and they say they are not leaving. This has been going on for weeks. My family life and working from home has been totally disrupted. We are prisoners in our home.. they come to my house, my property several times a day. I feel threatened by them and so do my grandchildren. They are stalking my family. They are threatening to put a lien on my house. They will not stop this harassment on my property. 
Every day no matter how many times they show up banging on my door and harassing me and my family, they leave the document attached in my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In early XXXX I received papers from the Navy Federal Credit Union, along with a XXXX. I immediately called the Credit Union and told them that I had no idea of what was happening, apparently someone had opened up an account with them using my SSN & name. They told me that they were going to close account and address the situation. 

I continue to receive information from them about the delinquent account, at which time I call them again, they tell me that there is a flag on the account and not to worry they are taking care of the situation. 

I have reported this to the 3 credit unions, and have them put a hold on my SSN, however my credit score continues to fall. I was at XXXX and now with XXXX bureau ( as of yesterday ) has fallen to XXXX ( approx. as I have closed the information on my computer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TrueAccord Corp.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email from True accord crop, about a XXXX XXXX  bill with practically no information other than to dispute or set up payments l. This debt is not mine as I was in bankruptcy and can not open a new account during the time frame. The email has several links and non of them work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Conn's, 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:
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under n open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is regarding the Amazon Store Card ( credit card that gives rewards for purchases on amazon ), which is managed by Synchrony. Often when trying to log in to their website to make a payment I am unable to access the account, and it is left at a blank screen. Additionally, several times the website has been officially down ( the landing page indicates they are doing maintenance and it is unavailable ) for several days. In my view this is unacceptable and borderline illegal for a credit card company because it makes it challenging to make payments for the credit card. I have yet to miss a payment, but it is only a matter of time at this point, and I have no doubt that there are customers who have been forced to make a payment late due to this unreliable website. Attached is an image of the website after logging in - notice that the website is not loading, it is finished loading and the page is blank.

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 2023-11-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: SUNRISE CREDIT SERVICES, INC
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone from a home in XXXX XXXX XXXX XXXX, GA has stolen my identity to open an account with XXXX XXXX XXXX which has gone to collections under my name. 

Their phone numbers are XXXX & XXXX. The amount is {$2800.00} owed to Sunrise Credit Services. I have filed a police report and would like them to clear these collections from my name.

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 2023-07-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2023, my account was frozen without warning. I called USAA not knowing anything to resolve the matter. I was told that it was frozen and under review. They refuse to tell me anything and have treated me with disdain like Ive committed a crime or some sort. I believe it is because I was trying to send money to fund a trading account. I used my known XXXX, XXXX, email address and passwords/codes using the procedures outlined by them in order to facilitate this transfer. They never sent the money, I was never notified of a problem or was asked anything. I feel XXXX being denied due process of law and now they are causing a financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: The Receivable Management Services LLC
State: PA
Product: Credit reporting 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 never authorized any of this misleading information to be placed on my credit report. Also spoke to both Progressive and receivable management and they both are declaring they did not get any authorization from any authorized user to project any of this Information to the credit bureaus.

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