BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: Foris DAX, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I started an account with XXXX  somebody hacked my account now I can't withdraw my money and I've contacted support for over a month now and they just keep giving me the run-around I did what they asked I sent a picture with my face the date and everything XXXX or XXXX times even when I was at work in my work uniform and they just keep telling me to send a picture and I want my money

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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$340.00} This is a complaint against the major credit bureaus ( XXXX and TransUnion ). The reporting of this account is not accurate and I have disputed this with the credit bureaus and directly with the collector and original creditor. I also don't understand how these two credit bureaus are still reporting this account when the other bureau which is XXXX has already deleted it because they couldn't verify the reporting of this account. 

I believe the FCRA and FTC give us the right to dispute the account if there are errors found. It really shouldn't take me this long to have this account removed if there are still inconsistencies and any information is far from the actual and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: GA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My HSA with Optum financial was closed on XX/XX/23 because my employer has moved over to a new custodian and I requested a roll-over of my funds approximately {$25000.00}. 
I received an email confirmation of account closure and it was stated the funds will be released in XXXX business days. When I contacted customer service on XX/XX/23, I am being told that it will take up to 8 weeks to get the funds. 
I would like to know if the bank is allowed by law to keep my money up to 8 weeks after closing my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CO
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 several endeavors 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 XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for Experian as XX/XX/XXXX and XXXX  as XX/XX/XXXX while XXXX  as XX/XX/XXXX. This is an violation by the accounts with Experian and XXXX  would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet XXXX  is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with Experian and XXXX  and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Never signed for a loan in Texas with my name on auto title. never agreed to anything such as the purchase itself nor to be put in my name. Someone got a loan in my name without persmission

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The U S. department of education information was deleted then re inserted continuing to show 14 or more accounts reporting with delinquencies after filing an affidavit and several complaints. 

XXXX XXXX deleted as well and they're still reporting on this account in 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 2023-10-13
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received alert through Experian that my score dropped due to a medical data bill that Im unaware. I disputed a bill with XXXX XXXX months back because I received charges from a medical source in which we can not verify because the debtor has three different names theyve reimbursed my money for that & reported it to fraud. Now weeks later I receive a derogatory account on my file for medical data system a different name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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 belongs to someone else

Complaint:
Transunion has my personal information wrong and I have dispute this XXXX  times my address is wrong my employer is wrong.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2019-11-13
Company: ERC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX =======  Enhanced Recovery Compan Opened XX/XX/2019 - {$890.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$890.00} Highest Balance {$890.00} Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX ======= The date of XX/XX/2019 is absolutely absurd! This was already settled wit XXXX!!! XXXX had lied and the promises made/ statements made were false and misleading. 

I owe XXXX XXXX!!! 

If they were TRULY owed money we would already be in court. If this keeps up showing on the report as an amount due I WILL take legal action, against both the collection company as well as XXXX. I will subpoena recordings of the promises made ( XXXX records all calls ) and present bank statements to show what they lied about!! 

Thank you. 

========= My mailing address is NOT XXXX XXXX   XXXX  as the PO does NOT deliver to my street.

My USPS address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

XXXX XXXX is a remote address. We JUST got electricity about a year ago!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) Sections 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 pf 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 2023-03-15
Company: Experian Information Solutions Inc.
State: PA
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 third 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 inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
COMPLAINT My Checking Account at XXXX XXXX  was hacked on Friday, XXXX XXXX, XXXX. I called Customer Service ( XXXX ) that evening and received the message that the bank was closed and to call back during regular banking hours. It being the long XXXX XXXX 's Day weekend I went to the bank on Tuesday when it opened. 

In the meantime several fraudulent and unusual transactions occurred. I filed a report which they sent to the Fraud Dept. I followed up several times in XXXX and XXXX. 

In one phone conversation I asked why they did not catch the many fraudulent transactions that occurred. Their reply was " because they looked normal ''. A minimal amount of common sense will show they were very unusual compared to my normal activity. 

On XX/XX/XXXX, I spoke to a XXXX of Human Resources ( XXXX ) She informed me that based on their records the withdrawal of {$700.00} on XXXX XXXX was done by me. I told her that NONE of the several fraudulent transactions that occurred was done by me. She told me there was nothing else she could do. 

RESOLUTION XXXX XXXX  should reimburse me my loss of {$700.00} for the following reasons : The bank failed to to protect my money because it does not have a 24/7 surveillance of bank accounts and they do not have a 24-hour hotline. 

Several unusual and fraudulent transactions occurred during this period which they were not aware of because the bank was closed during the long XXXX XXXXXXXX XXXX  Day weekend.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: DC
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 XXXX XXXX XXXX, {$3200.00}, XXXX 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 XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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.

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 2023-03-15
Company: ACIMA CREDIT, LLC
State: FL
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:
There is an report on my account I dont know what it is someone use my information and I tried disputing it, and there nothing they did

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: LendingPoint Holdings LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I've tried to make payments other than the monthly amount to pay down the principle amount on the loan and yet they still ( annex ) the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX SELF-REPORTED XXXX Balance : {$230.00} ; XXXX SELF-REPORTED XXXX Balance : {$64.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/XXXX Alert Type Inquiry Processed Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, 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