BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: AZ
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:
in accordance with the fair credit reporting act XXXX XXXXXXXX ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-06-19
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am receiving so-called invoices, supposedly originating from PayPal. These invoices state that I have purchased bitcoins. I have not purchased any such alternative or virtual currency because I view XXXX as a glorified Ponzi scheme which is nothing but a bunco grift run by a confidence men. 

The latest invoice is loaded with details that scream FRAUD. This one states PAYPAL, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; Invoice : XXXX ; XXXX {$470.00} ; Phone # XXXX All of this contained in an email to me from one XXXX XXXX XXXX through and by XXXX XXXX XXXX. Neither individual is known to me, nor do I know anyone currently residing or doing business in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
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: Investigation took more than 30 days

Complaint:
I contacted Transunion on XX/XX/XXXX disputing inaccuracies on my report. I am a victim of identity theft. 
XXXX XXXX XXXX  {$710.00} *XXXX  XXXX XXXX {$6600.00} To date XX/XX/XXXX, Transunion failed to investigate my dispute further harming my credit accuracy. Failure to report accurate information you are in violation of FCRA 15 USC 1681 ( A ) ( 2 ). I placed a complaint with CFPD on XX/XX/XXXX ( Complaint # XXXX XXXX. Transunion 's response on XX/XX/XXXX was : " Consumer relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps ... Within 30 days, we will close out your dispute and advise you of the results in writing ''. 

It is XX/XX/XXXX and I have not received any investigation results. PLEASE REMOVE THIS INCORRECT INFORMATION FROM MY REPORTS IMMEDIATELY. YOU ARE IN DIRECT VIOLATION OF FCRA 15 USC 1681 ( a ) ( 1-4 ) ( b ).

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. YOU ARE NOT REPORTING ACCURATE INFORMATION, AND YOUR FAILURE TO COMPLY WITH ACCURATE CREDIT REPOTING IS UNFAIR. THIS IS HARMING MY REPUTATION AS THIS INFPRMATION IS INACCURATE AND DOES NOT REPRESENT THE ACCURACY OF MY CREDIT WORTHINESS.

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 2022-01-11
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a debit card in the mail from Cash App for an on-line account that I did not open. As of today, XX/XX/XXXX, I have not been able to get this fraudulent account closed due to difficulty communicating with Cash App. My fear is that each day that goes by, this account is being used for fraudulent/illegal activities in my name. 

A copy of the debit card I received is attached ( front & back ). 

FYI - my personal info has been compromised and other attempts have been made to open credit cards or on-line accounts in my name. Alerts & credit freezes were applied to the three major credit bureaus in XX/XX/XXXX. I've also filed reports with the FTC and local police regarding all of these incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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:
This data breach at Equifax is a display of absolute negligence. But hey, things happen. However, if I want my credit frozen, I have to now pay the three agencies to do that? That seems absurd. Freezing your credit should be free.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 hope this letter finds you well. I am writing to dispute and request the removal of unauthorized hard inquiries from my credit report. As a vigilant consumer, I recently reviewed my credit report and discovered several hard inquiries that were not authorized by me. 

The unauthorized inquiries were made without my knowledge or consent. I have never applied for credit, services, or products with this company, making these inquiries both unauthorized and inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and legitimacy of the information listed on consumers ' credit reports and remove them from my credit report immediately. 

In addition, I would appreciate receiving a written confirmation once the unauthorized hard inquiries have been removed from my credit report. This confirmation should include an updated copy of my credit report reflecting the changes made. 

Please note that I have also sent a copy of this letter, along with the attached documentation, to the respective company or organization responsible for the unauthorized inquiries. 

I trust in your ability to address this matter promptly and efficiently. I appreciate your attention to this issue and your cooperation in resolving it. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, I paid for flights to XXXX XXXX, XXXX XXXX ( for XXXX in XX/XX/XXXX ) using XXXX XXXX Thank You rewards points and {$20.00} on my credit card. I purchased the tickets on XXXX 's XXXX website. At the time I used the points, each points was worth XXXX cents each if used for flights on XXXX XXXX, which means I was able to use them to purchase flights worth a total of {$990.00}. It took me a long time to earn {$990.00} in Thank You points, and I was relying on being able to use them at a value of XXXX cents each when I signed up for two Citi credit cards and paid the steep annual fees ( {$350.00} for one ) and used them instead of other credit cards for many purchases. 
After I traded in my points for flights, on XX/XX/XXXX, Citi reduced the value of its Thank You points, such that XXXX point is now only worth XXXX cents each if used to buy flights with XXXX XXXX. 
As everyone knows, XXXX XXXX devastated XXXX XXXX in late XXXX. XXXX XXXX had to cancel many flights, including ours. In XX/XX/XXXX I called XXXX to request a refund, and that refund was issued on XX/XX/XXXX. As the attached email from XXXX shows, the refund amount was {$330.00} for each of the XXXX tickets, for a total of {$1000.00}. XXXX says the refund went to a " XXXX ending XXXX, '' which must be the card that Citi used to pay for the tickets. ( I paid with points, and I never had a credit card with these last four digits. ) On XX/XX/XXXX, I called Citi to ask how I would be refunded the {$1000.00}. I said I would prefer a check. The agent told me the refund would be in the original form of payment - Thank You points and a {$20.00} credit card refund. I explained that I did not think that was fair since Citi reduced the value of Thank You points by 22 % after I used mine. The agent apologized and encouraged me to file a complaint online or with the CFPB, since there was nothing the agent or their supervisor could do to make up the difference for me. 
On XX/XX/XXXX, Citi credited the XXXX Thank You points back to my account.

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 2023-01-04
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a XXXX Tesla Model Y from Tesla Motors , Inc. on XX/XX/XXXX with a monthly payment amount of {$660.00}, for a 36-month lease term, scheduled to end on XX/XX/XXXX. 

Through the online account management tool at www.tesla.com, I initiated an early-termination of my lease, which needed to be turned in by XX/XX/XXXX. 

I returned the vehicle to the Tesla dealership located at XXXX XXXX XXXX, XXXX CA at approximately XXXX on XX/XX/XXXX, where I signed documentation releasing interest in the car. 

On XX/XX/XXXX, my monthly automatic payment came out of my bank account. I attempted to resolve the issue with Tesla with no resolution. On XX/XX/XXXX, another monthly payment was drawn from my bank account. Neither of these payments should have bene processed as I released interest in the vehicle, per the terms of the Tesla early termination lease agreement, on XX/XX/XXXX. 

Tesla has not contacted me regarding the termination at all. I have now been faced with financial hardship with these two additional payments being taken from my bank account without my authorization, as those funds are needed to make my new car payment.

Through the Tesla app, I can see that the vehicle is parted at XXXX XXXX XXXX, XXXX, which appears to be a car lot storage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent 8 attempts requesting these companies to provide compliance in reporting. 

I have sent letters on the following dates and these companies AND reporting agencies continue to report out of compliance please see attached documents of proof XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 The information being reported is NOT within compliance

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working a short sale with Chase ( Loan # XXXX ) for 3 years now. We have a legitimate offer on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Chase has countered several times and every time the counter, the buyer has agreed to meet the price they are seeking. We first submitted an offer on this property back in XXXX XXXX. We have lost several buyers due to Chase 's failure to review the short sale in a timely manner. They most recent offer we have been working was submitted in XXXX XXXX. Chase has just now advised us that " HUD has denied a variance request to proceed with the short because of the delinquency of the loan and they are proceeding to foreclosure. The Short Sale will be cancelled. '' This seems like fraudulent practices by HUD & by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX  in regards to an account that was removed from my account that is not associated with me, and then as of XX/XX/XXXX18 i checked my report and it was placed on my credit file, so I don't know if it was a mistake or what but the XXXX XXXX account in the amount of XXXX is not mines, I have already dealt with this for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2021-04-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2021 I applied to refinance my mortgage through XXXX XXXX  for a lower interest rate. XXXX XXXX sent me an email notifying me of an inquiry alert and that my credit score would not be affected for 14 days. Email attached. 
Within 1 hour Equifax decreased my score 26 points. XXXX and XXXX have kept my score the same.

Please note out of 7 changes Equifax  states is the reason for decreasing my score 6 are decreased balances on credit debt. I have been VERY conscience to pay my debt off and monitor my scores. Every other week Equifax  has some bogus reason to significantly decrease my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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:
Equifax did not protect my personal information and allowed hackers to obtain info to use improperly. 
The company failed to notify me for 41 days.
The CEO and other company officials cashed in stock during this 41 days before the stock went down. 
Major credit reporting should be broken up under our anti trust laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has violated my rights. Experian, for the last 2 years has blocked me out of online disputes evidence submitting, viewing disputes online. and phone calls. I pay them XXXX a month for credit services. when I look at friends accounts during my investigation I notice the other people have full access to online disputes evidences submitting. and Experian sends them to different departments than me. Experian is trying to keep my from correcting information on my credit report. please advise.

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 2023-04-12
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.

Company response to consumer: Closed with non-monetary relief