BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/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 2023-04-11
Company: Genesis FS Card Services, Inc.
State: DE
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 received an email stating that the account I opened is sending a XXXX time statement with an account number. I called because I didn't open a cc. The company put a freeze on card and sent a letter to me in reference to fraudulent account and possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Billing dispute for services

Complaint:
Somehow I was charged for Transunion service when clicking through a link for a FREE credit dispute service. There was no cart, receipt, or bill of any kind shown before being charged. I only noticed because I was sent a receipt to my email. I was simply trying to create an account.

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 2023-10-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2019 I disputed charges that I consider should not be allowed in my account, they ignored me since they never gave me a response, and despite that, I made the payments, even with the account open I disputed the charges again and again they did not give me answers. Still, make the payments that corresponded to the account. But I am surprised that they reported incorrect dates and that my disputes for charges were never registered, I asked them to investigate first, and they told me that they would investigate and that it would take 10 days, but then the next day they told me that they can not find my information and that They don't know what I'm asking for and that I send everything again and that I must wait 30 days again for them to give me a response.

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 2022-03-14
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I processed two transactions via XXXX powered through PayPal and they canceled both transactions I have a pending hold that has not been released yet I contacted them as well as the card company ( RushCard ) the transaction has been pending since the XXXX I called them and they said that they would send me and the card company an email that shows it was lofted the card company said if they can provide that, they will do it manually on there end its {$1600.00} + the fees The transactions action numbers are XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a certified letter to the company, requesting the account to be verified and validated but the company failed to do so. They failed to send any proof that the account belonged to me. No contracts, no fee explanation they failed to send anything at all in regards to this debt of {$250.00} said to be owe to ( Credit Management ) XXXX XXXX dba XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
XXXX XX/XX/23 XXXX ( 22 minutes ) telephoned TIAA bank to ask about a CD had seen. Spoke to a young man. He said i could open the account and fund it later. The interest for the month was not being shown. I said i would call and authorize funding. 
XXXX I am looking at transfers from TIAA to other institutions XX/XX/23 XXXX ( 9 minutes ) spoke to a youmg lady and she could not tell me how much interest was accrued for the month. I said i would call to fund later. 
XX/XX/23 XXXX XXXX  ( 7 minutes ) spoke to a young guy. I saw my CD was funded. I was XXXX and DID NOT AUTHORIZE FUNDING. 
XX/XX/23 XXXX ( 6 minutes ) I was very aggravated after sleeping on the funding- not authorized and a large sum. i spoke to an older gentlemen who said i authorized funding when i did not. I said i wanted the money out of the bank, since i did not authorize funding. 
He said it would be a {$2000.00} charge. I had to get off of the phone very shaddy

Company response to consumer: Untimely response
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: FL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXK, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$460.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$120.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$840.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, I started a dispute in regards to duplicate accounts being report on my account for XXXX loan I had with XXXX XXXX that was paid in full in XX/XX/XXXX to XXXX balance but was being reported as an open and still revolving credit. After I did so, the account was updated to reflect XXXX balance but then reported that the account was delinquent 2 times in XXXX more than 60 days in XXXX and XXXX of XXXX which was false information. This negligence/false reporting caused my XXXX XXXX to drop significantly by over XXXX points across all 3-credit reporting bureaus. Causing me to be denied business credit because my credit dropped from good to fair, low XXXX to mid XXXX. After the dispute and correction I did not get my points back due to their error and now cant regain the credit access I have worked hard to maintain.

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 2023-03-02
Company: Medical Data Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Medical Data System is reporting inaccurate and incomplete credit information on my consumer report I have no contract with nor have I gave them any written consent to report anything on my consumer report or report any of my nonpublic personal information to any agency. 
Medical Data System Inc has stolen my identity because I did not consent to them reporting any of my nonpublic personal information, with the intent to ruin my reputation, my credit worthiness, my character, coerce me and to extort me into paying an alleged debt. 
Pursuant to 20 CFR 1232g I have a right to privacy when it comes to my medical information 20 CFR 401.25 of the privacy act of 1974 also states that I have a right to privacy and non of non public personal information should be shared such medical information, finance transactions to any agency without my consent the consumer. 5 usc 552a I have a right to opt out of any reporting at anytime pursuant to 16 CFR 313.7 ( 7 ) which I wish to enforce it I am now opting out of any and all authorization that I the consumer my have given you written, non written, verbal, nonverbal pursuant to 15 U.S.C 6802 Also pursuant to 15 U.S.C 1692c cease and Desist all communications means the conveying of information regarding debt directly or indirectly to any person through any medium such as furnishing a credit report or reporting this account to any reporting agency. 
Be aware that selling my information to any other collection agency is aggravated IDENTITY theft and you will be civilly liable for all damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Marlette Funding, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
As a service member protected under the Military Lending Act ( MLA ), I should not have more than a 36 % Military Annual Percentage Rate ( MAPR ), including costs like calculating your interest rate and finance charges and other added charges. 

After reviewing my documents, I am sure the interest is more. On the agreement, the interest rate is 22.84 % with a {$1900.00} origination fee. Then on the lending disclosure is has the loan will cost me an XXXX of 27.49 % yearly. 

None of the monthly statements I receive includes an interest rate or XXXX, so I am unsure what is being charged. The statement shows how much interest is being paid. The statement of the XXXX and a clear description of the payment obligation must be provided in writing in a form the covered borrower can keep. 

Also, the consumer has my bank account information stored on their website, which I can not remove. Under MLA, a consumer can not require or use a check, electronic fund transfer, or other methods of access to financial accounts maintained by the covered borrower for repayment. It is prohibited for a creditor to use a borrowers account information to create a remotely created check or remotely created payment order to collect payments on consumer credit from a covered borrower. 

Signed documentation was never processed for this loan and is not in portal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report. 
15 USC 1681a - accuracy and fairness of credit reporting.

15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681b Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 have not initiated any transaction with any of these companies as listed : XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I am demanding an expedited reinvestigation. Thank you.

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 2022-02-09
Company: CARD Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a XXXX XXXX debit card in the email that I never signed up for with a debit card number, account number, and routing number. When I call the number on the back of the card XXXX, they want me to enter my social security number and other wise there is no way to talk to anyone. When I call the general XXXX bank number on the website XXXX, the automated answer prompts me to email for customer service. When I enter the card number, they say they can not answer questions about the card and to call the number on the back of the card. None of this connects to a live rep, all of this goes in circles and is unhelpful. 

I spent some time and looked up their parent company XXXX XXXX XXXX and eventually found some paperwork online they had filed with a number on it. I called that number XXXX. The representative said she could not help be but could transfer me to customer service for the " card. '' I asked for the number in case it was disconnected. She said that the number does not usually work but she gave it to me anyway. XXXX. 

When the call was transferred to CARD. I gave the representative the account number and card number. Then to verify, she asked for all of my personal information, which made me uncomfortable considering this was a fraudulent account. She then said she closed the account, which was a " premium card account '' but said " there is no process for providing written confirmation. '' This is unacceptable. Not providing written confirmation for a fraudulent account is unacceptable. 

Also, overall, it is almost impossible to connect with someone to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
- Was repeatedly solicited to open an account with Citigroup with interesting sign-up offers ( e.g. extended balance transfer and purchase offers ). 
- Took credit hit to apply for a card, and was surprised that the credit limit was low ( about XXXX the credit limit offered by my other cards -- I have good credit and income ). 
- Called twice to see if limit could be increased. First call suggested limit could be increased after having the card for a week. Second call ( made after a week ) told me credit limit could only be increased after 6 months, effectively outside of the introductory sign-up offers. 
- Closed the account ( with a ding to my credit report ) as the card 's limit was too low to be usable without further hurting my credit ( due to high utilization ). 
- Application should have been clear that there was a low cap independent of credit score and income ; would have saved me time and hassle of application.

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