BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2023-02-24
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have been a repeat customer of Titlemax for many years and have always paid off my loans with the company even though I was paying 3x my loan amount in interest and fees set forth by the company. I am now at risk of losing my vehicle because I can not make a payment and the company is not willing to work with me regardless of my past history of pay-offs. I need help and the company isn't willing to extend me any kind of good faith or good will. They would rather take my vehicle and hit my credit score with a negative report so now I will stuck with bad credit and no vehicle. All because of one missed payment due to financial hardship. Which Titlemax is aware of and shows no concern for by the representative employees it has working for Titlemax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Respondeat Superior is a doctrine that a party is responsible for ( has vicarious liability for ) acts of their agents. TRANSUNION, XXXX, and XXXX each are credit reporting bureaus. XXXX XXXX XXXX and, US DEPT OF EDUCATION, for example, might furnish a credit bureau with consumer information. In this instance, both has provided them with inaccurate or fraudulent collections information : ( 1 ) XXXX  XXXX  XXXX  asserted ownership over a purported debt related to the previously closed automotive loan. But these assertions of a supposed " deficiency '' are barred under California 's anti-deficiency statute, Cal. Civ. Proc. Code 580d. 

( 2 ) US DEPT OF EDUCATION makes the contention of many student loan debts totaling more than {$19000.00} that are reportedly due in connection with complainants alleged attendance at XXXX college. 

The Fair Credit Reporting Act ( " FCRA '' ) is a federal statute.

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 2021-11-29
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:
I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am attaching police report and from 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 2021-04-20
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I disputed these accounts with ChexSystems and they only removed one. All 3 accounts were fraudulently opened. 

XXXX  XXXX XXXX {$690.00} ( Suspected Fraud Activity ) XXXX  XXXX XXXX {$180.00} ( Suspected Fraud Activity ) XXXX XXXX  {$440.00} ( Suspected Fraud Activity ) - RECENTLY DELETED

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 2018-01-03
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, I was doing my year end bank statements and noticed that paypal pulled out {$300.00} from my checking account in an unauthorized transaction. I contacted Paypal, and they refused to do anything about it and reimburse my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened account with bank in got scammed out of money from someone when I was XXXX I fell for the quick money scheme because I needed 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters asking for verification of the company listed below. This account has not been verified by the company below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018 American Express failed to collect my online payment for my account. I have just learned of this since I am applying for a mortgage and this is negatively affecting my credit score. 

I spent over an hour on the phone with different representatives trying to get this cleared up and I was provided inconsistent information by three different representatives. 

The first told me they didn't have data going back that far to check, the second told me that they did in fact have the data and that the data was correct and the third told me that the only way for me to escalate my complaint was to send a letter to Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
I don't why it happened but I know for sure that this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I canceled a payment ( XXXX {$XXXX} ) with a merchant. Called PayPal and was told funds would be returned in 3-5 days. Money has not been returned after time period, after calling was told 5-7 days. Im starting to feel Im getting the run-around. Was put on hold forever for the dispute department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello I have been trying to get the money back that was took out of my account. For about a year and a half I've been filling claims for reconsideration with no resolution I faxed Police reports proof I was frauded out my money. Out of XXXX I probably got XXXX of it before my card keep getting locked and had to drive to the closest bank of America to get it unlocked and everytime my account would be drained over and over it kept happening Wich put my homeless for almost four months until I moved back in with family... I have hundreds of denial letters for claims, I've sent everything they asked for. They had my account mixed in with someone else in account in XXXX California and I had his claim numbers and I was literally fighting for his claim to be reimbursed His name was XXXX XXXX XXXX. XXXX is XXXX XXXX XXXX. Thank you for your time

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 2021-12-15
Company: Bread Financial Holdings, Inc.
State: NY
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:
Hello I have repeatedly sent out disputes as I have identified several inconsistencies on my credit report with this creditor. First and foremost my account is showing a different opening date across all three credit bureaus. The high balance is inconsistent across all three credit bureaus two agencies show a high balance of {$730.00} and one shows a high balance of {$100.00}. Date of last activity is different across the board as well. One is saying XX/XX/2019, XX/XX/2019, XX/XX/2019. Under 15 U.S Code 1681i ( 5 ) ( A ) treatment of inaccurate or unverifiable information should be deleted immediately! I have the right to dispute inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted complaints to these CRA 's over 30 days ago and I have been told several times over the phone that they have not received my complaints so I am attaching them for confirmation that they actually receive them and do investigations this time. 

These CRAs think that they are above the law and do not have to comply with Fair Credit Reporting Act nor XXXX XXXX Compliance Standards. Their credit reporting is not fair nor equitable for the consumer being reported on.

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 2021-12-15
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase all the way back on XX/XX/XXXX for {$21.00}. I returned this item on XX/XX/XXXX and received a credit for {$21.00} and also a new charge for {$21.00} on the same day. After calling Best Buy directly several times with no resolution, I tried to dispute this 21st charge on XX/XX/XXXX through Citi. They gave me a resolution on XX/XX/XXXX pointing to the credit on the XXXX. I called a few times and was told that this would be taken care of but it never was. 

Finally I got someone who seemed to understand what had happened here and she tried to reopen the original dispute but couldn't. She then opened a dispute for the original charge on XX/XX/XXXX and instructed me to go online and upload my documents showing the transactions and how this was a double charge. This was completed on XX/XX/XXXX and the resolution came back pointing to the same credit on XX/XX/XXXX. So now I have two disputes both pointing to the same credit as the resolution. 

I tried calling more and escalating it and on XX/XX/XXXX I was again told I could be credited within 3-5 business days. Then the following XXXX I see a new charge on my statement for {$21.00} and all it says is " Misapplied Credit '' and points to XX/XX/XXXX. 

I have called 3 more times since then with no resolution other than spending 30+ minutes on the phone and being told that it will all be taken care of in 3-5 business days.

I will enclose pictures and pdf 's of all these transactions and disputes as well as call logs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a a letter to each credit bureau, XXXX, XXXX, and TransUnion on XX/XX/2023 to correct some errors on my credit report. I have attached the letters that were sent to each bureau and none of the bureaus responded to my letters. There are accounts that are reporting totaling different amounts to each bureau for the same account which proves inaccuracies. I have not received anything back from any of the bureaus and its been over 45 days..

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 2023-04-25
Company: EQUIFAX, 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:
I am a victim of Equifax Data Breach and I filed with the class action thru the settlement administrator and on XXXX XXXX at XXXX XXXX I received an email stating that I was NOT affected and that i had to prove that I was. I verified my information was stolen thru the settlement administrator 's website in XX/XX/2022 and they received my claim packet by certified mail on XX/XX/XXXX and I have spoken with them on numerous occasions and had several return calls from people who stated that they were supervisors. They all gave me the same information that my claim was received and was in fact affected. After I filed my claim I did not know that they would victimize me again by making me prove to them the same information that I proved to them in the beginning of this ordeal. I submitted my response to the email by the link on the website as well as mailing a hardcopy to the company. I know that this is NOT OVER because the person/persons who stole the information have never been caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: MI
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 XXXX received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.

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