BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
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: Information belongs to someone else

Complaint:
It has been drawn out that TransUnion Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureau decides to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.

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: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Reference Complaint # XXXX I checked to see if the payment in question had posted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and it had NOT posted. 

Now, on XX/XX/XXXX the payment has posted and back-dated to XX/XX/XXXX. 

THAT'S NOT RIGHT!!!!!!! I made an online payment on XX/XX/XXXX to avoid late 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 2017-09-22
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: Information belongs to someone else

Complaint:
Transunion is not reporting correct information to my credit report. The name on my credit report is wrong, I have never went by XXXX XXXX XXXX. I have submitted my Florida driver 's license and my marriage license to Transunion on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX but I never had the error corrected. Also XXXX collections that were fraudulently open still reflect my credit report. XXXX from XXXX XXXX XXXX who I do not have the account number for instead I have a reference number it 's XXXX ; should be removed. I made a fraud affidavit with the FTC known as identity theft.gov and the reference number is XXXX. XXXX XXXX XXXX agreed in writing to remove their Collections too but only removed them from XXXX. That collection should also be removed from my credit report. The other fraudulent collection is from XXXX XXXX XXXX whom they also agreed to remove that collection. Keep in mind that none of these debt XXXX never sent me any notice that I was being placed in Collections. They never gave me any time to dispute these fraudulent accounts. It 's the law for these companies to do that. You are aiding and abetting these companies to break the law by letting them report false information to my credit report. I need the name on my credit report fixed it should be XXXX XXXX that is who I am. I 'm not changing this is who I am not XXXX XXXX XXXX. I do not know who that is.

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 2023-07-09
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to medical office and they said they accept my insurance before taking care of me. Now they are claiming they do not accept my insurance. I repeatedly asked them if they take my insurance before I accepted care. I dont know why they did this. I feel scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts must be corrected as soon as possible : 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 2020-11-27
Company: AMERICAN ADVISORS GROUP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AAG dodges a simple question which does not lend credibility to a company who claims to be professional. The question is very simple, Where is it stated in in FCRA Section 604, that allows for verbal permission to access credit? In AAGs attached reply to my complaint, they claim they had appropriate permissible purpose under FCRA Section 604, per recorded verbal approval to complete the credit inquiry. AAG also claims their process has been thoroughly vetted and meets all applicable Federal and State requirements. AAG further claims my desired outcome of the application was the reason I am filing the complaint. This is not true. But AAG dodges the question and refuses to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an 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 other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CAPITAL ONE I PAID ON THE WEBSITE XX/XX/XXXX AT XXXX CENTRAL TIME I HAVE PROOF IN WRITING THAT I DID THAT. I ALSO PAID IT AT XXXX THE MONTH BEFORE AND THEY CHARGED ME A LATE FEE THIS TIME OF {$38.00} AND LAST TIME A LATE FEE OF {$25.00}. IM NOT HAPPY THAT THEIR WEBSITE IS SHOWING THAT I PAID LATE EACH TIME ITS WRONG. I WILL NOT PAY THIS CARD UNTIL IM CREDITING FOR THIS LATE FEE. THEY SAY I PAID AT XXXX EASTERN TIME AND I DID NOT. THERE SYSTEM IS HAVING PROBLEMS THIS LAST 2 MONTHS CHARGING PEOPLE I KNOW ALSO FOR LATE FEES WHEN THEY ARE NOT LATE EITHER. 
I CALLED XXXX MGR AND XXXX  MGR NEITHER ONE WOULD CREDIT ME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-02-16
Company: Transform Credit Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Dear CFPB, I am writing to bring to your attention an issue I have experienced with Transform Credit. I recently accepted an offer from XXXX Transform Credit for a credit amount of {$7000.00}, with the condition that I provide a co-signer. 

However, I have since discovered that Transform Credit did not provide any consideration for my intellectual property, despite my contribution being a significant factor in their decision to extend the credit to me. Furthermore, they have kept my securities and have not provided any form of compensation for them. 

This conduct by Transform Credit is in direct violation of the XXXX XXXX XXXX and interstate commerce regulations. As a result, I am seeking your assistance in addressing this matter and seeking redress. 

I believe that Transform Credit 's actions are unfair and unreasonable, and I am concerned that their behavior may be indicative of a larger pattern of misconduct. I hope that your agency will investigate this matter and take appropriate action to ensure that all consumers are treated fairly by financial institutions. 

Thank you for your attention to this matter. I look forward to hearing from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} ; XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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, M XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXnquired on XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/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 2020-08-03
Company: JPMORGAN CHASE & CO.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Money lost during transfer from my bank account to others. 
On XX/XX/2020, I sent {$1000.00} from my Chase bank debit account to my friend 's account. But my friend never got the money, and I never received a refund. I've called Chase many times and they are not able to help me to find the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
My grievance submission is in process with Cfpb XXXX. XXXX XXXX of Bb & t accessed a debt collection which is exempt through Internal Revenue Service mandate. XX/XX/XXXX {$45.00} expense paid XX/XX/XXXX. Knowing now that 10year debt collection is prohibited I ask to be refunded. And I ask that teller XXXX an personal banker XXXX XXXX be reprimanded due to my arguing dispute. XXXX XXXX is too be holding company for {$45.00} garnishment. Merit is for new expense account to be opened.

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 2023-01-02
Company: WELLS FARGO & COMPANY
State: PA
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:
For over 20 months, fraudulent charges were being made using my debit card/account number from XXXX ( a service of theirs ). Once I noticed I informed XXXX as well as Wells Fargo, my banking institution. Because I do not own or have access to the XXXX account where the charges originate, XXXX was unable to help me and told me to inform my bank. When I informed Wells Fargo a claim was opened and within 10 days a decision had been made to only refund me {$30.00} of the hundreds of dollars I have been fraudulently charged. My bank refused to elaborate or look into it further, claiming they are unable to provide claim support on charges past 3 months. I provided Wells Fargo with the name, date, and dollar amount of every single charge and they only reimbursed me for 3 of them. In addition to that, they did not include every charge I flagged for the claim. The claim was missing two charges, and included 2 charges that I did not flag, despite me spending hours compiling every charge to ensure accuracy of the claim. Wells Fargo claims it is up to the merchant ( XXXX ) to reimburse the rest of the charges even though I have informed them that XXXX is unable to help because the charges come from another XXXX account. Wells Fargo has refused to help and has not provided the protection and security they claim to provide. I have lost hundreds of dollars and Wells Fargo has made it clear they do not care. When I told Wells Fargo I was concerned for my bank accounts and my money, they did nothing to help and told me to go to an ATM and withdrawal it if I am that concerned. They have treated me with disrespect and bias, and have failed to provide the account security they advertise and claim.

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 2023-08-16
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I reported a fraudulent brokerage account and a platinum debit card to Charles Schwab that was opened with my information. They informed me that this would be closed and my information would be flagged appropriately so this does not happen again. I reached out on XX/XX/2021 because I had yet to receive confirmation in the mail of the closure. During this call, I was informed that Charles Schwab bank allowed another brokerage account to be opened with my information after I already reported identity theft to them less than a month prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Santander Consumer USA Holdings Inc.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
on XXXX XXXX, XXXX I faxed CHRYSLER CAPITAL asking to obtain information reguarding my account, with no response I then sent on XXXX XXXX, XXXX By registered mail asking for information on my account. Still with no response, even after it was signed for. By law I have every right to know and gather information as it is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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