BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 2021-07-13
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Binance.us since XX/XX/2021 for cryptocurrency trading and deposited {$1000.00} in two installments to buy and trade coins, and then they said that trading is disabled and ask for more personal verifications which I did and they approve my identity then I tried to trade again but nothing changed and I was locked out and sent them 5 emails and tickets to resume trading but no one answer me back. So I decided to withdraw my remaining money from Binance.us after I lost money because I was not able to sell then I found that I can't even able to withdraw the remaining cash money from the account and they send me a message that the account and withdrawal suspended due to risk management so I created another two tickets in a span of two weeks hoping someone from the support will get back to me, which never happened and until today XX/XX/XXXX I can't sell, buy or even withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Experian Information Solutions 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:
XXXX, Experian, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX Bank. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.

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 2023-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The bank closed my account XX/XX/23 I went to a local branch in XXXX PA and pulled out XXXX and was told I could pull the rest out at a later date. I went for 6 days in a row to different branches and was unable to withdraw my funds only to be told they are mailing a check out. No one knows where the check is going or when it will be delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: IL
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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX XXXX XXXX XXXX  XXXX Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2021-04-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
At the begining of XXXX. I reviewed my Experian report and noticed that i had multiple old address attached to my profile. Subsequently i called Experian for them remove my old out dated addresses. As a result of that call they removed all of the addresses associated with the profile including my current address. I then called in to have them reinstate my current address in which they requested i provide an id with said address on it. I uploaded a photo copy of my id to the experian online submission portal on XX/XX/XXXX. After uploading the document i called Experian back the same day to confirmed they recieved the document and the representative stated that the information will be reviewed and processed between XXXX. 

Subsequently i checked my credit profile XXXX later. To my dismay i realized they added my current address but it was not 100 % accurate. An apartment number was added to my current address that was apart of my old address. Simply put my address is a private house and does not have any apartment number attached to it. So i called in to Experian again to have them fix the address. I spoke to the representative and they stated again that it would take XXXX to proccess the request. I waited the alotted time frame and to my disbelief the whole address was deleted again and i have been trying to add my address every since. Every customer service rep i spoke to told me that they would proccess my request XXXX. So waitied XXXX  days at a time inbetween weekend and holidays here i am unable to get my credit report months later because no address is attached to my profile. 

The dates/report numbers of my correspondence are below : XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX XXXX is currently reporting on my credit reports for Speedy Cash, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with XXXX XXXX and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2018-10-15
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This complaint is a continuation of my initial complain ( complain # :XXXX ) about XXXX XXXX. The bank keeps sending me letters confirming that they approved my dispute but they do not want to allocate proper credits to my credit card. They issue credit in the disputed amount of approximately, {$1600.00} under the revolving transaction history but also, at the same time, they add debt in the same amount of approximately, {$1600.00}, which zeros out the deputed transaction. When I called and spoke with the account supervisor, XXXX, since the dispute department does not have phone number, she reviewed the account and confirmed that this was an oversight on XXXX XXXX / XXXX XXXX end and that it will be addressed within 72 hours on my statement. 72 hours passed and my credit card statement did not change. I called again on Thursday, XX/XX/11 and spoke with another account supervisor, XXXX, Employee ID # XXXX who was arguing with me over the phone for more than 20 minutes, very rude and condescending. When I asked for proof of receipts for the fraudulent debt referenced above, she was not able to answer my question. I told her that, initialy, after i returned unwanted items with XXXX XXXX, I should have received a credit for approximately {$1600.00} not only under revolving transactions but also the plan ( back then, plan # XXXX ) should have been closed. 

The plan was closed but they refusing give me proper credits to my credit card statement. I am the account holder, so they have no right close this case without providing explanation and additional information as to why they fraudulently, without my authorization, charging my card in the amount of, approximately, {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I used a promotional balance transfer check from Truist bank and they didn't pay the check when it came through because they said there was a problem with my signature not matching. I was sent a copy of the check and it was my signature. I called them and they said to go in to the bank to get it straightened out. ( was not my fault ) I went into the bank got everything straightened out and they told me to resubmit the check. I resubmitted the check a second time to XXXX XXXX and again Truist did not pay it so I was charged a 2nd bounced check fee. I had the bank manager look into it and he made several calls on my behalf and finally they are telling him it's not being honored because the promotion is over. Originally when I first deposited it was within the timing of the promotion and they said the reason was a problem with the signature. They keep changing the reason and have cost me {$40.00} in bounced check fees.

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 2021-04-08
Company: CITIBANK, N.A.
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:
I have a fraudulent account on my credit report, which I reported it to Citibank, yet Citibank is not removing this fraudulent account. Citibank has no right to refuse to remove this fraudulent account because I am a victim of identity theft. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet Citibank has refused to do this. The following is the fraudulent account : Citibank / 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 2022-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Collectibles Management Resources
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX $ XXXXOriginal : Not Available Opened:XXXXReportedXXXXAct. # : XXXX : Unknown Received threatening letters and phone calls from this company between months of XX/XX/2022 to XX/XX/2022 and it is definitely affecting my life and lively hood to purchase a home and business loan from the bank please help me resolve this issue ASAP please and thank you I have not supplied proof first under the doctrine of estoppel by silence, engelhardt v. rick stevens graves ( mo281 SW 715, 719, ) I presume that no proof of the alledged debt, nor therefore any such debt, therefore any such debt, in fact exists.

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 2022-09-02
Company: Greeting Team, LLC DBA Customer Care Global
State: MT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted by CUSTOMER CARE GLOBAL, XXXX, on or around XXXX XX/XX/2022, in regards to XXXX loan turned over to collections by XXXX XXXX XXXX I informed XXXX I had no such loan. He read back my address and SSN, however had an email and bank account that are not mine. I advised him that this was identity theft, and told him to stop collection activity. XXXX stated he would stop collection activity. I made a report with my local law enforcement, Ftc, and XXXX. I have not heard back from Customer Care Global. XXXX XXXX XXXX initially stated I needed to take it up with XXXX, however after I filed my FTC and XXXX  complaints, they began emailing me back telling me I needed to prove this was not me. I told them, they needed to furnish the bank account, phone # and email used to get this loan. 
They will not. 
Both companies are involved in identity theft and need to be held accountable, and not allowed to assist trying to defraud American Citizens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: JPMORGAN CHASE & CO.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a phone call, XX/XX/XXXX, stating a Civil Legal Complaint had been filed from XXXX XXXX, Hawaii. 

They left the phone number for the law firm handling my case, ( XXXX ) XXXX & Case Number XXXX - to which I called. The gentlemen I spoke to confirmed the information in the message I'd received via my case number. He asked me to confirm the last 4 of my SSN ( which I regrettably did ). He then read to me my entire SSN to which I did not acknowledge. 

I asked what this was from and he stated that it was an outstanding debt from Chase Bank. I explained that the debt was from XXXX and was time barred/statute of limitations. He told me that the climate had changed and they were pursuing civil legal action and that I would receive notice by mail. I've yet to receive any notice. 

I've tried to contact the number again but there is no answer. I've additionally placed a freeze with the credit bureaus. 


Thank-you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?

Company response to consumer: Closed with explanation