BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
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:
In accordance with the Fair Credit Report 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 XXXXXXXX 15 U.S.C 1681 Section 602 States I have the right to Privacy 15U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without 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 or any other adverse item of information other than a record of convictions 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 any consumer reporting agency if the person knows or has a 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 2023-02-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo checking account I closed in XXXX due to erroneous overdraft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My name and address is incorrect on my credit report. My correct name is XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE DELETE ALL ADDRESSES, I HAVE NEVER RESIDE AT THESE LOCATIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX PLEASE REMOVE THE FOLLOWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: Stellantis Financial Services US 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: Account status incorrect

Complaint:
On XX/XX/2023 at XXXX XXXX, an agreement was made with XXXX XXXX, a compliance manager for First Investors Financial Services, that states upon receiving the payoff check for the amount of {$6100.00} for the vehicle loan, the account status will be reported as ( paid as agreed ; closed ) to the credit bureaus. This conversation was recorded by First Investors Financial Services and I. The payoff check was received by XXXX XXXX on XX/XX/2023 at 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 explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Fair credit reporting act states that someone is suppose to have your consent to pull my credit. And if they dont have my consent they are violating a federal law called the FCRA XXXX The company pulling your credit must provide documented proof of documents with my signature on it that I authorized and provided consent for the hard inquiry. The FCRA says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries listed below. If they fail to provide this documentation then TransUnion, XXXX and XXXX must remove these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During XXXX I received a letter about one of my business accounts being restricted due to routine KYC checks. Citibank requested me to contact either the branch or they KYC department. I did both. They asked me to sign a few forms, which I did on XX/XX/XXXX at the branch. It's been more than a month since then. I've called both the branch and their KYC department to follow up, and they have been telling me for the past month or so that they have " all the information they need '' and it's up to the analyst to unlock my business account, but the analyst is never available. 

Well, it's been more than a month contacting them, hearing the exact same answer and they just don't unlock their account. We couldn't even pay salaries by the end of month because we can't even cash checks. Citibank has been extremely negligent and they just don't care. It's been by far the most frustrating experience I've ever had with a bank. I am already opening new bank accounts elsewhere, but I still need them to unlock my accounts to acces the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone hacked my CashApp account from an XXXX in XXXX I own an XXXX and live in FL and have not been in XXXX The person contacted Chase, reversed some payments ( XXXX, XXXX... etc. ), and forwarded those balances to another person through my XXXX. I reported the incident to Chase after being contacted by XXXX that my balance was past due. Chase denied my fraud claim ; I then filed a claim with XXXX, which was also denied. Chase has now reversed the temporary credit and my checking account is overdrawn by almost $ XXXX. This is egregious and Chase stated they thought I perpetrated the fraud but did not hesitate to reissue an ATM card to me overnight, which could have caused further loss; please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing this complaint on behalf of XXXX XXXX XXXX XXXX A Limited Power of Attorney designating me as his representative is attached. My client 's father, XXXX XXXX XXXX XXXX fraudulently opened multiple credit card accounts in my client 's name, XXXX of which was with XXXX XXXX. On my client 's behalf I disputed this account with XXXX XXXX and requested they initiate a fraud investigation. In the midst of this, XXXX XXXX sold the account to a debt collection agency, Midland Credit XXXX. XXXX subsequently reported this account to my client 's credit file and, despite multiple disputes on the basis of identity theft, has refused to delete the account. To credit report and attempt to collect on an illegitimate debt which resulted from identity theft is a classic example of " fruit of the poisoned tree ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 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 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 2022-11-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX i have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Tried to get a house and found theft on my report.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-07
Company: American Credit Acceptance, LLC
State: TX
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:
The account listed on my report with American Credit Acceptance, ending in XXXX, has accessed and misused personal information and has not removed the account per our prior agreement to do so with payoff. In accordance with The Fair credit reporting act This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I placed an order for XXXX XXXX  at the end of XXXX that was never sent to me. I asked the seller for a refund in XXXX and was never sent the refund. I filed a dispute with USAA on XX/XX/XXXX and sent the appropriate evidence. 

I checked in multiple times with support and was even told that they had never even looked at it. They finally closed the dispute over a month later on XX/XX/XXXX after no communication and determined that the dispute was invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: FL
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:
I need to access my credit report to review accuracy and correct incorrect information. 
Time is of the essence. 

XX/XX/2020 1. Attempted to obtain credit report through annualcreditreport.com Was not able to sign in. 
2. Reviewed credit report through XXXX. Was able to view. There were inaccuracies. Attempted to long into Equifax to correct. Not able to do so. 
I am able to log into lock and alert on Equifax website. When trying to log into MyEquifax to view credit report and start dispute I get following message. 
Please give us a call. We cant complete your request at this time. Please call the customer care team. XXXX. 

I call the customer care team. They are unable to verify my identity and offer no option to speak with live representative. Following the direction of the automated system I send a fax to XXXX containing a cover letter with my name, address, DOB, DL, and SSN and include a copy of my drivers license. I received confirmation Equifax received fax on XX/XX/2020 at XXXX XXXX. 

There is no follow up from Equifax. 

XX/XX/2020 I send a DM to Equifax via XXXX explaining situation and asking for help in reaching a live representative. They asked for screen shot of error message, what action I was attempting, and my email. I provided all requested information. 
They asked me to call XXXX. The very number I had issues with previously. 

XX/XX/2020 I followed up with a DM via XXXX. No response. 

XX/XX/2020 I followed up with DM via XXXX. Told to call XXXX. 
I attempted to call. Automated system with no option to speak to live representative. 

XX/XX/2020 I called XXXX. Was able to get to live representative. However he said he could only help with lock and unlock. He stated I would need to call XXXX. The very number I had already called twice before, submitting requested docs, without success. He connected me directly. After automated system finished I got a fast busy signal. 

XX/XX/2020 Received response to call XXXX yet again. I have already c alled three times. Never allowed to speak to live operator. I need access to my credit report. I need ability to correct inaccuracies. Time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Complaint Reported By : First Name : XXXX Last Name : XXXX XXXX Email Address : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : Nebraska Zip Code : XXXX Complaint Reported Against : Name of Business or Person : Bank of America City : XXXX  State : New York Name of individual with whom you dealt : Bank of America in XXXX XXXX NY Product / Service Information : Date of Purchase or Service : XXXX Method of Payment : Wiring from my bank, XXXX XXXXXXXX XXXX located in XXXX, Nebraska Type of Product or Service : sending my published book to traditional publishing company for final acceptance of traditional company XXXXXXXX XXXX XXXX, which Writer 's Value lied after I checked with traditional company. 
Contacted Business : Yes Amount should be Paid : XXXX Steps Taken to Contact and Fix the Issue : After I found out the Writer 's Value is not providing the service that they promised I went to my bank and dispute the {$3800.00} that I wired on XX/XX/. the disputing date was XXXX XXXX XXXX At the same date, XXXX XXXX XXXX XXXX XXXX XXXX  contacted Bank of America, Bank of America did not respond. Two more times XX/XX/XXXX, XX/XX/XXXX my bank ( Wiring Department of XXXX XXXXXXXX XXXX XXXX XXXXXXXX Nebraska contacted Bank of America for refunding my money, {$3.00}. But Bank of America has chosen to ignore the request of my dispute by not responding at all. Writer 's Value publishing company did not do the service ; so, I disputed it through my bank. But Bank of America is not responding to my bank dispute and ignoring the situation. Since XXXX I have not receive any money. Since Bank of America has chosen to ignore to respond so I have placed this complaint. 

I complaint to Attorney General of Nebraska. Attorney General also sent letter to Bank of America about a month ago. but he has chosen to refuse to respond. Attorney General encouraged me to send my complaint to you. 


With high respect, XXXX XXXX XXXX XXXX Phone 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 2022-11-18
Company: Self Financial Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose

Company response to consumer: Closed with explanation