BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )

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 2023-06-07
Company: Block, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX the IRS issued a tax refund to my Cash App by direct deposit. The amount was XXXX dollars. 

I have contacted the IRS three times about this. Each time they make sure it was sent to the correct account. The third time a tracer was place and could take up to 190 days. 

Cash App has been contacted multiple times about this. They can not find the deposit and won't connect me with someone that can or will. They say that they do not give tax advice and I need to call the IRS. I have been told that management will contact me by email. That has not happened. I have emailed support through the app mid XXXX. Still no response. After the Cash App representative checks to see if it has been deposited, I am told that there is no more information they can give. After I ask for another number or to talk with management, they repeat that they have no more information to give me and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I, XXXX XXXX XXXX, mailed TransUnion a notice disputing the inaccurate public record which they are furnishing for a fee to other persons on XXXX. TransUnion received the notice on XXXX. TransUnion mailed me a response dated XXXX with a file number of XXXX informing me that they refuse to investigate my dispute. TransUnion 's response to my dispute was that the " XXXX XXXX XXXX XXXX Michigan is the data furnisher who verified the information to them ''. However, I contacted the XXXX XXXX Michigan and they replied to me that they DID NOT verify or furnish such information to TransUnion. 
After receiving TransUnion 's reply I mailed them a demand for reinvestigation, along with the documentation I received from the Court on XXXX via XXXX XXXX mail with return receipt. I demand that TransUnion disclose to me a description of the procedure they used to determine the accuracy of the information. I demand disclosure of all the information in my consumer file, the sources of the information of the public record, and a summary of my rights to obtain and dispute information. If TransUnion can not disclose such information to me, within 30 days of receipt of this notice, I demand that TransUnion delete the inaccurate public record from my consumer 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 2021-07-20
Company: SLM CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, On my credit report, I have two unknown and unauthorized reports/inquiries on my credit report : Sallie Mae on XX/XX/2021 and XXXX XXXX on XX/XX/2021. I did not consent to these inquiries and request that they be removed immediately. These were seen on my XXXX XXXX account and I do not know where they are from and it is concerning to me. 

Please let me know if you need any further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
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. 

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  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
Consumer complaint received 2020-03-04
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 reviewed my credit report and I noticed that XXXX XXXX was reporting. I have never signed a contract with XXXX XXXX. If there is a contract in place, then someone at the Dealership forged my signature. I never purchased any vehicle from XXXX. Please assist me in getting this account removed from my credit file. This account is showing on all 3 of my credit files.

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 2022-03-14
Company: Social Finance, Inc.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account and online banking with SoFi have been locked and restricted since XXXX XX/XX/2021 due to supposed suspicious activity. I attempted to call and email SoFi customer service on a daily basis and then weekly basis to no avail. All I received were automated responses and no call back to my numerous voicemails left. 

Finally, on XX/XX/XXXX or XXXX I received an email saying that my account had been closed since I did not address the negative balance there was due to a reverse on a provisional credit given to me. It was frozen so I was not able to deposit or remedy the e situation whatsoever. They also stated this would be reported to the IRS or any pertinent creditors. I am very upset by this and appalled by the lack of customer service or attention on SoFis part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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:
MY INFORMATION HAS BEEN INVOLVED IN A MAJOR DATA BREACH WITH EQUIFAX I HAVE BEEN FILING MULTIPLE LETTERS TO ALL THREE CREDIT REPORTING AGENCIES ON BEHALF OF FRAUDULENT INFORMATION FOUND. I HAD TO INDIVIDUALLY DRAFT AND SUBMIT THESE LETTERS, FINDING ALL THE INFORMATION INVOLVED IN THIS DATA BREACH THAT DOES NOT BELONG TO ME. I HAD TO SUBMIT A REPORT TO THE FEDERAL TRADE COMMISSION ON BEHALF OF IDENTITY THEFT. THE ACCOUNTS THAT HAVE CAUSED ME MANY DENIALS FOR LOANS, CREDIT AND OTHER PERSONAL PURCHASES. I HAVE LOST TIME AND ENERGY BECAUSE OF THESE FALSE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have made repeated attempts over the last 6 months with XXXX XXXX, Equifax, and XXXX to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX present the wrong verification of claim in my chapter XXXX. I over paid in the chapter XXXX. XXXX sent me a letter out expressed I was just assume to pay XXXX and I paid XXXX. On the last letter Chase expressed I did n't pay anything besides XXXX. I have enclosed my Chapter XXXX print out to demonstrate what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Opened XXXX-XXXX-2017 for the amount of {$360.00} was payed off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: AL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-31
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: Account information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fails to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.

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 2022-02-09
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On the XXXX of XX/XX/2021 my employer XXXX XXXX XXXX XXXX XXXX contacted Netspend ( Skylight One ) Bank and had my account closed with {$15000.00} still in the account and prepaid card. When trying to contact the bank/company they could not enter into the account nor aid me with withdrawing the money my employer had deposited. After trying to contact my employer numerous times regarding the money still in my account they blocked my phone number and refuse to take any calls. The bank refuses to aid in any way to withdraw or transfer the money from that prepaid account onto a seperate bank account saying I need to contact my employer so they can allow the withdrawl or transfer. My prepaid card no longer works and I can no longer make purchases using the card or withdraw money from ATMs.

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 2022-02-09
Company: AMERICAN HONDA FINANCE CORP
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 is missing that should be on the report

Complaint:
I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( Honda Motor Credit/American Honda Finance XXXX XXXX The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
On XX/XX/XXXX I submitted a complaint in regards to an fraudulent inquiry that Equifax is reporting on my consumer file. I informed EQUIFAX that I didn't authorize this inquiry and I also informed them that the company stated that they have submitted a electronically request to remove this inquiry from my consumer file. On XX/XX/XXXX in CFPB Case XXXX XXXX  responded stating that As previously stated in our response sent on XX/XX/XXXX, a copy of which you provided, on XX/XX/XXXX we submitted an electronic request to have the inquiry generated by the credit application deleted from your personal credit file. As of today XX/XX/XXXX Equifax is still reporting this inquiry on my file. I have attached the letter from XXXX XXXX for your viewing.Equifax has stated on XXXX the following response. I am a bit confused if XXXX INQUIRIES ARE A FACTUAL RECORD where did they verify this from? 

STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was a victim of several cases of identity theft now I can not open a bank account because I am part of the XXXX XXXX XXXX I need to get this matter resolved immediately it is affecting my business and financial life drastically

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please see the attachment letter which ask you to validate bankruptcy record and supply proof of how it was verified. Please note that I have attached proof from the bankruptcy court which shows that they did not furnish this record nor did they verify it.

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