BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: CITIBANK, N.A.
State: NY
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:
The following are the four fraudulent credit card purchases made to businesses in the XXXX, PA area on the dates as noted : ( 1 ) XX/XX/2019, XXXX XXXX ( {$2500.00} ) ; ( 2 ) XX/XX/2019, XXXX XXXX ( {$2700.00} ) ; ( 3 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ) ; and ( 4 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ). I did not make these purchases, nor did I authorize anyone to make these purchases, which totaled {$6000.00}. Upon receiving my credit card statement on XX/XX/2019, I phoned Citibank, spoked to their rep, XXXX, and informed her of the fraudulent purchases. During the Citibank investigation, the investigator ( XXXX ) said that the two purchases made on XX/XX/2019, were made on my home landline phone and that I would have to provide an official transcript from my phone carrier showing all calls made on that date. When I submitted the requested phone records to Citi on XX/XX/2019 showing no calls were made to that business, I thought the dispute would be decided in my favor. But, without merit, Citibank has notified all three credit reporting agencies that I owe the full amount of {$6000.00}.

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 2020-10-08
Company: Experian Information Solutions Inc.
State: CO
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 have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX ( {$330.00} 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-21
Company: Experian Information Solutions 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:
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Also, these hard inquiries were unauthorized. I didn't give anyone consent below XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-31
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:
The credit bureaus stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

They also violated my right under 15 U.S.C 1681 Section 604 a Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified that consumer reporting shall promptly delete the information from the file of the consumer.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX  XXXX XXXX THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Issue : Paid the total amount of the loan, but Discover Student Loans isnt current on their records and still trying to charge me. 

On XX/XX/2022, I refinanced my existing Discover Student Loans with XXXXXXXX XXXX XXXX XXXX dispersed XXXX checks on XX/XX/XXXX to my Discover Student Loans ( Account # XXXX XXXX and XXXX ) ( Loan # XXXX Account XXXX = Loan XXXX, Loan XXXX, Loan XXXX, Loan XXXX, Loan XXXX ) ( Loan # Account XXXX = XXXX ) which were processed to my account on XX/XX/2022. However, Discover only allocated {$2100.00} to my XXXX, even though the check was for {$14000.00}. They are now requesting payment on XXXX XXXX for {$130.00}, still charging interest, and said it's due XX/XX/XXXX. I contacted them via chat on Tuesday XXXX of XXXX regarding this issue as they are clearly inaccurate on their records and they were rude and told me that the check was only for {$2100.00} and I could contact them via phone if I wish to speak to someone on the phone. I confirmed with XXXX and received the check numbers for the transactions that it was in fact for {$14000.00}, and received the check numbers. On Thursday, XX/XX/XXXX, I contacted Discover again via phone and they said again that the check in their system was for {$2100.00} - but they will confirm and resolve the situation by Tuesday of this week. It should not take a week to resolve a very serious issue, and they shouldn't be requesting payment for something that is their error. The second customer service person from Discover was friendly, but I did not like the solution he suggested. 

XXXX bank has been nothing but fabulous throughout the entire process, always keeping me updated with top customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
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 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need to escalate this problem that I have with credit bureaus. They're not giving me any direct resolution to my problem. They are furnishing multiple accounts on my credit report without my written approval and that is invading my personal information. These negative accounts due to late payments and charges were all XXXX out by the individual who had these services but they're still declaring it as late or Charged-off. Why can't they just remove it or change it into its current status? I need to get this straightened out as I'm tired of going back and forth with them. I've been communicating with these departments since the start of this year. This is so annoying and exhaustingon my part.

Company response to consumer: In progress
Consumer complaint received 2020-01-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from LVNV FUNDING. I had previously disputed this account. I have never done business with LVNV FUNDING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV FUNDING provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request LVNV FUNDING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Tried to pay a vendor online and set up automatic deductions from the account. TD Bank said they allow XXXX to do that but not the company I need to pay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
sent police report and idtheft protection cra violation inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent error and inaccuracy. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/XXXX, Ally Bank blocked my access to XXXX through their website and app. When attempting to access XXXX on Ally 's website, the message " There is a problem with the information in your profile. Please call us to resolve '' is displayed. 

I have made numerous attempts to resolve this issue with Ally in the last six weeks, and I have not made any progress. Unfortunately, this issue impacts me at Ally Bank and all financial institutions because Ally has the XXXX " tokens '' associated with my mobile phone number and primary email address, which means other banks can not use them. I have confirmed this directly with the XXXX company, who explained that only Ally Bank can release these tokens. The inability to use XXXX is impacting my financial life as it is the way many of my friends and colleagues reimburse each other for various activities. 

The reference number that Ally Bank has given me for this issue is XXXX. In six weeks, Ally has made no progress in resolving this issue. Some customer service agents at Ally told me it is a " back-end systems issue. '' I have not been told that I did anything wrong or that any identity theft or fraud is suspected. 

Here is a partial list of the phone calls with Ally to resolve this issue ( all times XXXX ) XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes

Company response to consumer: In progress
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a couple accounts reporting on my credit that I do not recognize

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 2023-06-23
Company: Experian Information Solutions 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:
NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Chime Financial Inc
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 was in an XXXX heading home after a night out in XXXX XXXX in the early morning of XX/XX/XXXX. I have a phone / wallet with all my of ids and cards inside the wallet. I left my phone / wallet in the XXXX and it was stolen. The next morning, I looked at the account and someone tried to charge a ridiculous amount to my Chime credit card. Upon further review I see that someone spent money at the XXXX hotel and on gas that was not me the morning of XX/XX/XXXX. 

I reached out to Chime to complain and filed a dispute : Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2021 Claim Total : {$190.00} They came to the following conclusion : Investigation Results We reviewed your claim and have determined that there was no error that occurred based on the following : -With manual funding prior and after the disputed timeframe. 
-With valid transaction from merchant GUEST HOUSE in between the disputed transactions -The valid transaction from merchant Guest house was 10 minutes away from the location of disputed merchant XXXX XXXX Dining. ( Within your vicinity ) -We have determined that theres no fraud alert captured by the system during the disputed transaction The investigation made no sense to me because if someone stole my physical card, of course they would conduct transactions that would be close to each other.

Company response to consumer: Closed with explanation