BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a XXXX  XXXX bankruptcy reporting on my credit bureau report that does not belong to me. I have made several attempts to reach out to the credit bureaus so they can perform a thorough investigation to remove this error. The credit bureaus have verified the bankruptcy every single time without providing me with any documentation that ties me directly to this erroneous blemish on my report. I contacted the courthouse because that is where the public record should be stored. They responded that they do not share information with the credit bureaus. I am confused as to how the credit bureaus can verify an item without have complete access. I feel that my rights are being violated. Furthermore, this error in reporting is hurting me financially. I am writing your organization today hoping that you can help me in getting the credit bureaus to perform a thorough investigation so that this negative bankruptcy account can be removed for my file.

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 2023-12-01
Company: Chime Financial Inc
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hope this email finds you well. I am writing to bring your attention to a critical issue regarding a pending chargeback related to a transaction on my account purchased using the Chime debit card. 

The transaction involves a merchant that, unfortunately, engaged in misrepresentation of goods, committed merchant fraud, and mishandled the return process. The gravity of this situation extends beyond a mere financial dispute, as it has severe implications on both consumers and the integrity of your banking service. 

Chime has not looked into the documents, which include the merchant saying I did return the item and services were not rendered. I was within the 14 day period and I was not refunded any amount back on my Chime card and I have reached out and waited since XX/XX/XXXX. I ask Chime to investigate and follow up on errors that that the app has when submitting documents and the lack of customer service and effort in helping me get my money back is beyond disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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: Public record information inaccurate

Complaint:
Public Record Type : Bankruptcy chapter XXXX-discharged Date Filed : XX/XX/2011 Amount : {$0.00} Case Number : XXXX I am disturbed that bureaus continue to list the dismissed bankruptcy as confirmed. 
The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this 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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
Due to my understanding I had over XXXX  credit on my TransUnion report an the company supposed reimbursement due identity theft TransUnion deleted everything off my credit report refusing to provide all the company an phone number that was on my credit report so I can file civil action lawsuits against them I feel like that was wrong illegally activities that TransUnion did to me now can't provide evidence tamping with investigation now saying I can't get no copy file lawsuit on TransUnion credit report agency if I don't receive a copy everything was deleted all the company cause XXXX XXXX XXXX XXXX XXXX  was on there illegally

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than XXXX years. 

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX, New Jersey XXXX Sincerely, 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 2023-11-29
Company: DISCOVER BANK
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I wake up and see that Discover has taken a payment amount of {$360.00} without my consent and claim I have set up auto pay which I have immediately revoked access to. I have reached out to my bank and they refuse to dispute the amount. I filed a complaint against discover last month and I was supposed to do 3 payments of {$68.00}, which I did but one month was XXXX because I used the last little cash back bonus to make it less. On XX/XX/XXXX, at around XXXX XXXX time I have contacted a live agent from discover that it was an error and should have been reflected back to good standing according to the complaint I filed the company responded with. I should of had a fresh start on my account with a new minimum payment and apparently that was never the case. I have tried and called them and they don't want to fix it. I even contacted my bank and they have also refuse to refund the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
In XX/XX/XXXX, I entered into a contract with XXXX XXXX XXXX a service provider from XXXX, XXXX. XXXX XXXX XXXX would provide a XXXX XXXX tour with lodging from XX/XX/XXXX XXXX, XXXX. As part of the Agreement, the tour was paid in advance using my credit card Visa Infinite for a total of {$7700.00}. This transaction was registered in my credit card monthly statement on XX/XX/XXXX. Due to the Covid-19 Pandemic, I emailed Minirunuks Events XXXX XXXX XXXX on XX/XX/XXXX requesting that my tour dates be changed. The XXXX XXXX XXXX tour operator accepted my request and changed the tour dates to September XXXX XXXX On XX/XX/XXXX the tour operator made an announcement informing that due to the increased costs to operate that had resulted from the Covid-19 Pandemic there would be a premium charge that would have to be paid before the tour. At this time, I agreed with the tour operator that I would pay the premium charge once I arrived at XXXX for the tour. Since XX/XX/XXXX, the tour operator had been unresponsive after many attempts had been made on my part to seek information on the reservation that had been paid since XXXX. On XX/XX/XXXX, XXXX XXXX XXXX tour operator made what he labeled a Public Announcement on the companys XXXX page informing that they had ceased operations without offering any recourse. On XX/XX/XXXX, I wrote a claim to my XXXX XXXX representative Banco Popular de Puerto Rico XXXX XXXX XXXX ( XXXX ) requesting a refund since XXXX XXXX XXXX did not provide the service that I had paid in advance for and would not respond to my multiple requests for reimbursement. I reiterated my request to Banco Popular de Puerto Rico Card Product Services ( XXXX ) on XX/XX/XXXX. In this letter I explained once again what had transpired with XXXX XXXX XXXX and informed them that I was within my rights to request a reimbursement by Visa according to Dispute Condition XXXX : XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Resolution of the Visa Core Rules and Visa Product and Services Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2022-12-13
Company: EQUIFAX, INC.
State: NJ
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:
on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than XXXX years. 

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX, New Jersey XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Transunion on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. 

( PLEASE SEE ATTACHED LETTERS SENT TO TRANSUNION, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )

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 2022-12-19
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 I flew from XXXX to XXXX XXXX on XXXX XXXX. The instructions on baggage were very confusing and I had to check two bags at the gate, which costed me {$200.00}. Upon buying the bags the first time, I was never told I would have to pay for the bags again on my return flight. The instructions were again unclear and I was forced to pay {$200.00} again. Thats a total of {$400.00} for a flight that only costs half of that. The employees were very rude and this is an extremely predatory practice. I am a XXXX XXXX veteran, XXXX XXXX XXXXXXXX causes me to be confused sometimes. This was very unsettling for me and really aggravated my XXXX. To think that a company operating on American soil can take advantage of XXXX  XXXX XXXX XXXX XXXX is completely sickening and 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 2021-04-09
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I bill was created by XXXX XXXXXXXX in XXXX. The hospital claims to have tried to contact via mail. However, I never received information on this. In XX/XX/XXXX I was contacted by a debt collector. I immediately called my insurance company and they said I was billed for a private room which I never requested. The insurance company contacted the hospital which was to remove the excessive cost and contact their debt collector to correct the information. On XXXX XXXX. Phoenix financial placed a collection on my account with the inaccurate information. Myself along with the hospital has contacted the company to make them aware of the error. XXXX XXXX went as far as to ask Phoenix financial to remove the negative mark on my report to give me time to pay the bill with the corrected amount. Myself and the hospital called the company on three way and they continue to stated they have not received anything even with the hospital representative on the phone. At this point I dont know what to do. I tried addressing this wrong information in XXXX before it was placed on my report. They hospital has tried correcting the mistakes however the company refused to receive the erroneous information. Please note this was an issue that was being discussed and attempted to be fixed in XXXX before it was placed on my report in XXXX of XXXX. The hospital admits to their mistakes of not getting the information updated before it was placed on my report and has sent many emails to have the company remove the information but continue to refuse.

Company response to consumer: Closed with explanation