BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; 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 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 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 2023-07-04
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account was hacked because my phone was stolen. I received 2 ssi payments that i was not expecting on XX/XX/XXXX for XXXX each. the hackers drained my account because i was unable to access my account because i had no phone to verify my account. then to add insult to injury on my next payment date i learned of the incident along with over 60 transactions to different merchants totaling over XXXX  dollars ucing my cash app card. there id no doubt its fraud due to the sheer amount of transactions. i contacted cashapp and submitted a dispute and was immediately denied. the card phone or ip was not mine or in my possession. there is no reason i should not receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have previously written to the CFPB regarding this same issue which has yet to be resolved. The case number is XXXX. SunTrust closed my account and is holding onto {$12000.00} of my money and said on the phone today that they could hold these funds indefinitely which most certainly is illegal. I want my money sent to me via a check ASAP and if the CFPB could follow up further on this this second time around that Im complaining that would be great.

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 2023-05-19
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: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have got the Fifth Third XXXX regarding checkin account where they were offering {$600.00} if i will meet the terms and condition. I have opened the Checkin Account with Fifth Third with the promotion of {$600.00} on XXXX and Baker " XXXX XXXX XXXX applied the code in system and give the print of code confirmation. I maintain my account balance as XXXX for more than 90 days and got direct deposit of {$1000.00} within 60 days. I was supposed to receive the promotion bonus of {$600.00} after 90 days of account opening. It is being more six months where my account is opened and i didnt receive any bonus so far. 
I tried to spoke with banker and they told that since she forgot the send the flyer to their head office that is why i didnt receive my bonus and promise me of getting promotion amount asap. It is being more than 3 months when i spoke to banker i didnt receive the bank. Later on Banker went of vacation and ask me to talk to Bank Manager " XXXX XXXX ''. I tried making lot of call to her and leave voice messages but didnt receive any repose from bank. 

I went bank three to four times but sometime either baker is not available or sometimes branch manager is not available. 

I am attaching 4 month of bank statement along with promotion receipt to defend my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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 belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2021-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file-Cap One NA, DATE OF INQUIRY XX/XX/2021, I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX I went to wells fargo bank to look into opening a Coogan account ( Blocked Trust account ) since I already have checking and savings accounts there. After they started requesting additional information for internal bank paperwork that i could not provide, I contacted my agent who told me to open an account elsewhere since that information is not a requirement for opening a coogan account. I decided to listen to their advice and told the wells fargo banker I did not want to move forward with opening an account and I declined to sign the authorization paperwork. After I left the bank I recieved a call from the bank manager who verified my reasoning for declining the account and also verified that the account was not opened and only profiles were made for myself and my son. On XX/XX/XXXX I receive an email stating my account balance is XXXX. I checked my wells fargo account and found that they had went ahead and opened an account without my authorization. On XX/XX/XXXX I called customer service and asked them to close the account because it was fraudulently opened. They said that because it was a blocked account and opened under fraudulent circumstances it needed to be investigated and provided me a case number and phone number telling me someone would call within 48 hours of hanging up. I asked if the upcoming Labor day holiday would or would not count towards the 48 hours and the representative told me that while the banks would be closed the investigation office would remain open so to expect a call on XX/XX/XXXX. I did not receive a call on XX/XX/XXXX or the following day so I called on the XXXX and found the person who was assigned my case, XXXX XXXX or XXXX, was on another call and was told that he would call me back after his call. He did not call back that day or the next. So I called again on XX/XX/XXXX and XXXX was apparently in a meeting and would call me back. The representative told me that XXXX had 24 hours to call me back and to wait. He did not call me back the remainder of that day or the next and I told the representative that I would be making a complaint to the CFPB since they opened the account fraudulently AND they were refusing to close the fraudulent and unauthorized account that I did not sign for nor request.

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 2023-07-05
Company: GOLDMAN SACHS BANK USA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've had an online savings account with Marcus by Goldman Sachs for several years. During that period, I changed my address and phone number, although continued to make deposits and receive communications from Marcus via the email address on the account. My balance in XXXX reached {$270000.00} plus, so for the first time I tried to withdraw some funds to stay under the FDIC insurance limit. At that point, Marcus froze my account, and I've been trying for weeks to get resolution. Because my old phone number and mailing address don't work, they seem unable to do anything to clear the lock on my account. ( I now live in XXXX, but their system can't deal with a XXXX phone number, and they won't do it through the email, even thought that's the only way they've every communicated with me, including all their required tax docs and notices ). After hours of dealing with Marcus customer service ( using that term loosely ), I asked that they go ahead and close my account and distribute the funds back to my XXXX and XXXX accounts from which I wired funds. They said they could do that, but have been unable to execute ; they keep telling me to call back in 1-2 business days, and I end up with new people who don't know anything and have to start over. I have reached out to every Marcus resource I can find, but I'm getting nowhere - so they're continuing to hold almost {$300000.00} of my funds and giving me absolutely no solution about how to get it. I'm baffled and shocked that a reputable company is behaving in this manner, and I need assistance in dealing with this short of filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX : XX/XX/XXXX SSN : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I reviewed my credit report on XX/XX/XXXX and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, VT XXXX XX/XX/XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX I demand that these things be investigated and removed from my report in accordance with the provisions of the Fair Credit Reporting Act. It's my understanding that you'll double-check these items with the creditor who uploaded them. Please eliminate any information that can not be verified by the creditor. I realize that you must finish this reinvestigation within 30 days of receiving this letter under 15 U.S.C. Sec. 1681i ( a ).

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2016-05-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
LVNV Funding LLC sent me papers with a Writ of Garnishment. They attached court papers with XXXX XXXX XXXX, XXXX as the plaintiffs from 2010. I do n't owe any of these companies and was never served any court papers. I do n't make a lot of money and barely make ends meet with my bills. I take care of my retired XXXX year old mother. Garnishing XXXX % of my paycheck will break me. 

I would be grateful if you guys can get these people to stop harassing me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
More than 20 transactions were made on my prepaid credit card in one day. One of the same unknown transactions were made days before that was processed, the other transactions are on hold. I have been calling the contact number all day and have been on hold for more than three hours. No one had answered and I can not get a person on the line to tell me why this had happened. Twenty charges were all made on XX/XX/XXXX, equalling over the amount of {$2000.00}. There is no other way to contact the company only by mail and the 800 number I have for them which no one will answer but its a 24/7 customer service number. I also see that it says there is in a {$1.00} monthly fee for having this card when I have been getting charged {$5.00} a month when the card is active.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please 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 2021-01-24
Company: LEXISNEXIS
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:
Lexis nexus has yet to remove both bankruptcies of my consumer report and it has been well over the FCRA investigation period which should have been 30 days now is going on two months. each time I call Lexis nexus they tell me a special unit is handing my case and they'll give me a call back and I still have yet to receive a call from them. my first initial dispute was back in XX/XX/2020 and I uploaded documents showing from the court house stating that they did not give lexis nexus any information regarding any bankruptcy of mines. this is a violation of 15 USC 1692 ( a ) infringement of the right to a consumers right to privacy. this is a result of identity theft, I have never signed any contact with lexis nexus and told them to report any information pertaining to my life which has been harmful to my reputation now pursuant to 15 USC 1681 ( a ) ( 2 ). I demand these bankruptcy to be deleted immediately because this is in fact in litigation.

Company response to consumer: Closed with explanation