BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On or about XX/XX/2017 Court : XXXX Bankruptcy XXXX XXXX CA Reference # XXXX account was reported to a Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution. 

In accordance with the Fair Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 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 2023-06-13
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXX XXXX XXXXXXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-05-17
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with GE Retail Bank ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against GE Retail Bank ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us  here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my Lowe 's and my HH Gregg remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but GE Retail failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of  consumers GE Retail ( XXXX XXXX ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as GE Retail is up to it's old tricks. The accounts have reappeared as XXXX XXXX and Synchrony Lowe 's. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop GE Retail Bank ( XXXX XXXX ). My family and I only have our credit which has been ruined by GE Retail refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that GE is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that GE Retail is following through on the Court Order?

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion is reporting an account XXXX XXXX XXXX account # XXXX, This account was previously deleted in XXXX.Ive contacted TransUnion and they seem like they dont care I ask them to validate the account and XXXX with TransUnion said they dont verify or validate accounts

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 2018-05-17
Company: Remitly, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, I transmitted XXXX $ to recipient in India via Remitly ( https : //www.remitly.com ) on XX/XX/XXXX. Money was supposed to recvd by recipient with in 24 hours.

As of now, XX/XX/XXXX, recipient still has not received the money.

I called them about the customer service, they asked me to provide them with bank statement which was provided to them on XX/XX/XXXX.

I have been repeatedly calling them almost every other day ( plus I have emailed them ), all they tell me is, that they are waiting for a reply from their partner bank.

I have asked them to provide me a number of someone sitting in USA, they have not provided me that.

I have asked for a refund, but again the same answer, that they can not do anything till they receive a reply from partner bank.

I really don't know what to do for this is customer harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. M & T and their business practices are ridiculous. They ended up unblocking my account and I had access again. Everything was working perfectly normal but my online purchases kept getting declined for suspicious activity. Now a week later my account is frozen again my card Is blocked and I have 0 access to my online banking or my funds!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: NV
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 really hope you can help me. Experian and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.

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 2023-08-23
Company: EQUIFAX, INC.
State: AL
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 submitting this complaint to address the fraudulent accounts that the Credit Bureaus have inaccurately reported on my credit file. In my efforts to rectify this situation, I have researched the necessary steps to remove these false accounts from my credit report. It came to my attention that I must contact the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov to file a report. Additionally, as per the FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate and block any accounts that are listed in an identity theft report I have attached the relevant documents to facilitate the process of rectifying this erroneous information that has been posted on my credit report. Enclosed, you will find the list of accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to promptly block any information in the consumer 's file that the consumer identifies as stemming from fraudulent activity, within four business days of receipt of such information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, on XX/XX/XXXX I deposited my retirement check into citibank ATM machine around XXXX, desperately needing my money to pay past bills in the amount of {$9900.00} ATM id # XXXX, united states treasury check. Then following Thursday it was clear, so I started paying lots of my bills including my rent, around the six bill I was paying with my debit card, I started having problems paying. So I tried going online like I do it was shut down, so I called citibank they told me government check was being investigated for fraudulent looking, lol, unbelievable so they said they had to close my acct and in 45 to 60 days they would send me a check under there company 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 monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
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 NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraudulent accounts from identity theft. I filed all the correct paperwork according to the FCRA. My disputes are not being filed correctly and the paperwork is not being attached to the disputes. And I am not getting the copies of the verification process that I am requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I was a Coinbase customer for months, during which time I transacted tens of thousands in cryptocurrency exchanges, until one day I received a message that I had violated the terms of service and my account was immediately closed. I had no way to appeal this decision, or even learn of what my alleged violation of the terms of service were. Since this immediate severance of my account, I have tried to message Coinbase to learn the reasoning for the termination of my account, and to try and lodge an appeal so that my account could be considered for reinstatement. Instead, my requests for information and appeal of their decision have gone ignored without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 explanation
Consumer complaint received 2023-04-26
Company: Block, Inc.
State: AZ
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:
On XX/XX/2023 at approximately XXXX XXXX  someone took {$400.00} from my cash app account. I disputed the charge and they closed it within ten minutes and I asked for the documentation they used to make there decision and they sent me a paper with my name and the amount. On multiple dates before this ( and still ongoing ) somebody is trying to take money out of my account but I've been keeping my card locked and then right before I make a purchase I'll unlock it and lock it back right away its a hassle .I ordered a new card, I reset my pin, changed my password, and it's still happening. I want my {$400.00} back I didn't make this charge and that is half of my rent, after reading several reviews it seems to be one of their best practices. They should not even be in business if this is how they are going to protect customers money .I 'm so upset because they can see all the charges that someone is trying to put through still and they still will not listen to me. This is not right what they do im sure this business has made a good chunk of money by taking from customers something needs to b weed done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor XXXX XXXX XXXX, XXXX is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.

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 2023-07-27
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
I had a My rtgage with Wells Fargo that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 the multiple times I've mentioned being a victim of identity theft. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information 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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX {$4800.00} ; XXXX  XX/XX/2023.

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