BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 non-monetary relief
Consumer complaint received 2019-03-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, I had noticed my Chase Visa debit card was not working, I tried my other one and it didnt work either. I checked my app and I had plenty of money to purchase the diapers and other supplies for my daughter. 

That same day, I had went to a Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, where I decided to withdraw {$8000.00} so I could have cash ready for every day purchases due to the unknown debit card issue. That same visit I brought a check for {$360000.00} to put into a business account I intended to open that day with Chase Bank, when I tried to withdraw the money from my personal account the teller had a problem but had no information as to why. The branch manager worked with me and we found out that Chase Bank closed my account, I also had a pending ACH for {$25000.00} going to my personal account which had not hit the account yet. That day I had also noted that my debit card ending in XXXX was used multiple times in Texas fraudulently. I called Chase Bank to report the charges, the agent told me I would receive a credit for the charges while they investigate the claims, However Chase Bank did not credit my account accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
In XXXX of XXXX, I mailed a debt validation and cease and desist letter to Midland Credit Management ( MCM ). They received it on XXXX XXXX. I then received a collection letter dated in XXXX XXXX. Then starting receiving collection e-mail 's XXXX XXXX XXXX then XXXX XXXX, XX/XX/XXXX and finally XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2019-03-25
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Discover Card is showing they have loaned money to me on two separate accounts. When I confront them about proof they loan money from their own funds, they can not answer questions. Ive sent them questions, waiting for someone with first hand knowledge to answer. Unfortunately I assume they do not have the answer or they are hiding information from me. These question would assure a few different points. One, Discover card made a legal loan from their own fund and they are untitled to collect. Two, when making this alleged loan they complied with the Truth and Lending Act. Three, it would show the real ledgers of the account for proof of what happen in the back ground of this alleged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any 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 2018-10-17
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: First Federal Credit Control, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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:
15 USC 1681 Section 602 ( a ) states that I have a right to privacy These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed below IMMEDIATELY! 

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 explanation
Consumer complaint received 2020-05-28
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: Old information reappears or never goes away

Complaint:
I have 4 accounts total, 1 on XXXX, 2 on XXXX  and 1 on equifax which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony for JC Penney Keeps calling me repeatedly almost every hour of the day. I have expressed to the company I can not pay the bill at the moment. I attempted prior when I missed one payment after the one missed payment the put this credit card debt into collections without attempting to call me about the bill. They are rude and hang up the phone or use fulgur language when I call. They claim I can not pay the debt unless I call the collector, they will not provide me with the phone number to do so. This company keeps harassing me

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 2020-11-25
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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE NOTIFIED LOCAL AND FEDERAL AGENCYS I WAS A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-03-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed an unauthorized charge on my citibank double cash credit card for {$85.00} made on XX/XX/2019. I called citibank on XX/XX/2019 and informed them that this charge was not made by me. They gave me a conditional credit for the amount but on XX/XX/2019 reversed this conditional credit and is forcing me pay for the fraudulent charge, even though it was clearly made by some other person based on the documentation. Their website proudly states : {$0.00} Liability On Unauthorized Charges. ( https : //www.cardbenefits.citi.com/Products/0-Liability-on-Unauthorized-Charges ) This is clearly not the case with citibank.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have 4 accounts total, 1 on XXXX, 2 on transunion and 1 on XXXX which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.

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 2023-01-28
Company: EQUIFAX, INC.
State: MA
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:
This is XXXX XXXX XXXX please 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 Under 15 U.S. Code 1681b 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 2020-05-28
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold goods on XXXX to a gentleman who paid {$1800.00} by using PayPal. I was told the funds would be held until XX/XX/XXXX to confirm that the buyer had received his items. I paid {$350.00} to ship his items out of my pocket to speed up the process of releasing the funds like I was told. I learned on XX/XX/XXXX, that because this transaction was outside of my normal scope of business I would need to remove the limitations on my account, which is not able to be done by using the XXXX app like stated. Once, I was able to get in front of a laptop because I was traveling, I logged in and provided the information and was told it would pushed to back office to assist in fixing the issue and I should be able to transfer my funds in 3 days. I waited the 3 days and was still unable to transfer the funds to my bank account. I reached back out to PayPal and was told my account was still restricted because there was a discrepancy in the last name on my profile and the last name on my Driver License. I was told to submit my marriage license and they would fix the issue. I submitted the marriage license today XX/XX/28 and have now been told it will be another 3-5 days before they can fix the issue. Another 3-5 days will put me at 30 days I have been waiting for PayPal to release my money. I do not understand why this wasn't an issue with PayPal when I processed a similar transaction on XX/XX/XXXX for {$1500.00}. Not to mention PayPal didn't delay in taking their fee from those funds immediately upon receiving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Resurgent Capital Services L.P.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: FIRST REPUBLIC BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called First Republic Bank in California at ( XXXX ) XXXX around XXXX on XX/XX/XXXX. I asked to speak to a mortgage officer to put in a mortgage application. I was transferred to a mortgage banker. I informed him that I entered escrow that morning and was looking to do a mortgage application. He asked me for the address of the property and how much I was putting down. I told him I was putting down 15 % on a {$410000.00} purchase and the address of the property in XXXX XXXX. The banker looked up the property and immediately mentioned that the facade was made out of brick and they do not lend to properties made out of brick. It was clear that the property was not made out of brick, this sounded like a rehearsed line, he even had a catch phrase of calling XXXX XXXX " XXXX XXXX '' or something more pretentious, can't remember exactly. This was clearly an attempt to discourage me from using them as a lender. After this did not discourage me and I still wanted to move forward he said that he was not able to do a mortgage application because they only have two programs, the first where you put down 20 % minimum and the second you can put down less but you have to be a minority or purchase in a highly minority populated area. I realize that {$410000.00} for a condo seems like a lot of money. However, where these banks are located the minimum home price is XXXX XXXX. I was not only discouraged from lending I was told that they would not help me. This is a clear violation of the fair lending act ECOA and FHAct.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong.

I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2023-05-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information on my credit Report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies listed in my pdf

Company response to consumer: Closed with explanation