BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$7000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-20
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:
This line of credit I have with XXXX  / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and SYNCB/Care Credit ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX Card Services the person that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Healthcare Receivables Group, Inc.
State: NY
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 disputed an account, it was removed from all the other credit reports except for XXXX. I received verbal confirmation that it had been removed from Healthcare Receivables Group on XX/XX/2022 when I called on XX/XX/2022. I paid the original creditor on XX/XX/2022. I submitted a dispute, but according to XXXX the debt collection agency, the original creditor is still reporting the account as unpaid and open to XXXX I've been getting the runaround from both companies about how to proceed. I had another verbal conversation that it had been removed on their end ( HRC ) on XX/XX/2022, and that it is no longer with them per their supervisor. I had received additional confirmation that it had been taken off of the report on XX/XX/2022. 

Health Care Receivables Group 's contact info is XXXX XXXX XXXX XXXX XXXX, the original creditor 's contact info is XXXX XXXX said that they can't remove it unless XXXX reports it as removed and that they will do so as soon as it's reported to them, XXXX has said that it's up to XXXX to remove it. Receipts are attached, it's been paid in full. I'm very frustrated and tired of getting the runaround from both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Continental Finance Company, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XX/XX/XXXX XXXX Creditor contact details : continental Fin co XXXX, DE XXXX XXXX Inquiry from XX/XX/XXXX Creditor contact details XXXX/XXXX XXXX, MD XXXX XXXX/XXXX Inquiry from XX/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 explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am submitting this complaint because I still believe there are errors on my credit report. I would like the Credit Bureaus to verify the account below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the account : XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the derogatory status since they have already been paid for. Please investigate these illogical statuses and provide me with the date of the last activity for the account. REMOVE this account if unable to provide proper verification. The Credit Bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

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 2022-06-27
Company: EQUIFAX, INC.
State: TN
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:
XXXXXXXX XXXX XXXX  is reporting the incorrect balance on my credit report. This needs to be updated and showing that it is piad as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the month of XXXX, my checking account was in the negative from an online XXXX account falsely charging approx. {$800.00} for a product I did not receive. This began setting my account in negative with multiple OD charges. I contacted XXXX and company to resolve matter, initially returning half the amount immediately and then once investigation completed the remainder of monies returned to my account. At the same time my place of employment, where I have biweekly XXXX XXXX  paycheck automatically deposited for past three years, was bought by a new company XXXX. My pay check was now delayed an additional week, and initial payment was a check. I deposited check as soon as possible due to my OD account knowing I have automatic monthly payments also due. The initial hold was three days, releasing {$100.00}. I needed to grocery shop and purchase gas as I knew this check would clear soon. This morning four days after initial deposit the check total amount ( approx ) {$1700.00} was taken back out of my account and placed on additional 6 business day hold. I now have no monies available for the rest of the month, and a total OD to present date for XXXX is over XXXX XXXX I called the bank today to discuss releasing check and removing some of the OD charges. The did not remove any charges and are looking into the bank hold. Meanwhile I am sinking with a mortgage and XXXX  XXXX payment pending. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-11-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I went to the ATM of Chase Bank located at XXXX XXXX XXXX XXXX. I tried to withdraw money from one of my accounts. I went there at XXXXXXXX XXXX so I could pay my utility bill early that morning. I had just received {$2000.00} from my XXXX XXXX XXXX XXXX. When I went to unlock my card it showed that {$1000.00} had been removed. When I put my card into the ATM it showed that it was not working. I waited until the bank opened and went in to speak to a banker. On my phone it showed a withdrawal dated XX/XX/2022 for {$1000.00} had been withdrawn. It showed my signature but I had not taken out any money. The banker checked my card and there was no activity on either XX/XX/2022 or XX/XX/2022. They told me that my ID was my passport so I showed them my passport. They actually asked me to fax it to them four times. I was then informed that they would not honor my claim.My bank statement shows I did not withdraw that money. I'm not really sure how it was done but I think I know who did it and they were not authorized to do it. I don't know how it was done and I had nothing to do with it at all. My statement shows I took nothing out at all. I feel the fraud department overlooked many things that showed I didn't do it. There are so many questions that I have and I have asked the bank to answer them for me and I have not received any answers or evidence pertaining to this. I explained it was not me and I had nothing to do with it. The fraud department then told me the decision was final. I feel they ignored a lot of evidence.Additionally why would they give me {$1000.00} when I didn't even have it. I think they would never give me any money if I did not have it in the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Reporting company used your report improperly

Complaint:
I have tried numerous times of getting a response to these fraudulent charges on my identity and XXXX  XXXX continues to report these items without MY WRITTEN INSTRUCTION TO OPEN THIS ACCOUNT under Section 611 fcra XXXX  XXXX continues to fail at giving me a METHOD OF VERIFICATION Attached below : POLICE REPORT AND FTC IDENTITY THEFT REPORT. 
FCRA 605B In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I have the RIGHT to PRIVACY 15 U.S.C 1681 SECTION 604A. also states a consumer reporting agency CAN NOT FURNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-08-22
Company: Experian Information Solutions 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:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. 

FCRA violations : payments not late XXXX XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Open. {$120.00} past due

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 2022-07-28
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 sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the Fair Credit Reporting act Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


According to the 15 U.S.C 1681 section 602 A. I have the rights to privacy These addresses do not belong on my credit report : Name : XXXX XXXX. I Do not go by this name. 

Addresses : XXXXXXXX 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 2022-09-20
Company: KEYCORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received a check for an Escrow Surplus. On XX/XX/XXXX, I realized I had not cashed the check, so I contacted Key Bank and spoke with XXXX. She informed me they were aware, and that they would issue a new check for the same amount. She mentioned I would receive the check within ten business days and that I should not cash the old check. For this reason, I wrote void on the check and kept it in my personal file. I never received the new check, so I call the bank back. On XX/XX/XXXX, I spoke with XXXX, where she apologized and told me they would issue the new check within five days. Once again, I did not receive the new check, so I called them back. On XX/XX/XXXX, I spoke with XXXX where she claimed they were aware of the situation and she requested I send a copy of the uncashed check to a person at the bank named XXXX at XXXX. During each conversation, they stated they would contact me if they wanted more information from me. Again, they did not send the check as they promised, nor did they contact me. After I complained to them about their poor service, XXXX called me on XX/XX/XXXX, to inform me they would XXXX  the new check to compensate for their poor service. Because no check arrived, I had to call the bank back to inquire further on XX/XX/XXXX. I spoke with XXXX who claimed that they tried to reach me via my email ; however, this was another lie. By this point, she referred me to XXXX, and told me I would probably have to call the Ohio Department of Commerce to request the money owed to me by Key Bank. She also mentioned that XXXX would call me back to see what could be done. After some time, XXXX called me and told me he did not know about the situation although he had the notes from the previous calls, and he stated he would get back with me after he investigated the matter. Time passed, and he finally returned my call. He informed me they could do nothing about the check and that I would have to contact the Ohio Department of Commerce to request my funds. When I called the Ohio Department of Commerce, they mentioned the bank did not send my check to them and that it would probably take time to research the matter. I feel the Bank has been giving me the run-around and intended for me to give up on the amount so they could keep the funds. If they are doing this with me, I feel this is a systemic problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Signed up for Cash App account.Recieved card in the mail.Set up account. When an employer tried to send money money wont go into account.He tried 3 times.I have called the company.There is really no way to contact this company.When you call on the phone someone from a far away country who cant speak english does Not know what the XXXX is going on. a Scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I got a text from Wells Fargo saying a transfer was trying to go through and if I did not do it please call and listed a number. Just as I try to call I get a call from Whomrepresented himself as XXXX XXXX XXXX. I said how do I know that and he said look at the number I called you from and see that it matches the phone number on back of my debit card. It did. He said this fraud is trying to go through a XXXX party and he needs to stop it before XXXX that night but needs me to help. He got info from me and sent XXXX XXXX from my account {$9800.00} and sent a wire transfer @ XXXX to a XXXX account # XXXX XXXX XXXX. 
He said he would call me back next day to see how investigation is going and he did. Then he said he would call again the next day but did not. I then happen to see photos on my phone that I did not take and they go back to XX/XX/XXXX this year. Then I see boarding passes in my digital wallet that are not mine. 
So I called XXXX and they said they did not know of any claim of fraud filed!!! So I filed one right then. Then went to XXXX XXXX XXXX XXXX Police dept to file a case ( # XXXX ) with XXXX XXXX XXXX ( XXXX. 
Then I went to Wells Fargo to close accounts and open new one and debit card ( XXXX and # XXXX ) and then I went to an XXXX store to see what happen on my phone. They said thbe criminal had put himself ( XXXX ) as an entrusted number on my phone. He also had put a different number ( XXXX ) to forward all of my calls to!! 
So I have a claim with XXXX supprtXXXX XXXX XXXX for XXXX {$9800.00} XXXX XXXX to get that money back Claim # XXXX. 
I can send the pictures from my phone to you if you want them. 
I need help to get the {$9800.00} and {$23000.00} back from Wells Fargo. They did not call me about such out of character activity on 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 explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. 

The fraud inquiries are the following : XXXX & XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023

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 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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:
There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the 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 explanation