BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 resubmitting 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 : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-07-28
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: NC
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX, NC 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 2023-10-23
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an account with XXXX  XXXX XXXX for my school funds to be distributed to and XXXX XXXX was a car insurance company I had for only 2 months. I removed my account information from XXXX 's website so that they were not able to auto draft money from there, I would have to call and pay over the phone to pay. So I called and paid over the phone on XX/XX/XXXX and was charged {$91.00} along with the surcharge of {$3.00} for paying over the phone. That was the only charge I authorized but later that day I was charged again on XX/XX/XXXX {$93.00}, then 2 days later on XX/XX/XXXX another charge of {$100.00}. I called and asked XXXX XXXX what was going on and they denied any charges. I looked on the website and checked for any supporting documents about the charges and there was none because they were fraudulent. So, submitted a document to cancel my policy and then was returned the money from my bank. Then a month later after this, XXXX submitted a false document, only XXXX document, and said that I still had insurance which was a lie. I have attempted to resubmit this claim and speak with a supervisor at XXXX  XXXX and they are saying that they did an investigation and came to the conclusion that I authorized that transaction!! WHICH I DID NOT AUTHORIZE! And I proved that I did not! I recorded the phone call with the " supervisor '' who stated that I authorized a transaction that I did not. They should not have had my card information at all, I provided an abundance of information that shows that they stole that money and there is no proof of those transactions on XXXX XXXX website. I need to get help handling this with XXXX  XXXX to get my money back that they gave back to XXXX XXXX who fraudulently stole it. XXXX XXXX has no documents at all that show I authorized a charge for that amount.. If someone would zoom call me I can screen share and show all the information I have, it would be easier that way. I have a ton of documents. Also, I am unsure of the lingo on my bank but I am almost 100 % sure that XXXX of the transactions that Aspire ran, both the one over the phone and one other one, that they signed with my signature and that would be impossible because I was not in XXXX XXXX at any point or anywhere to sign for a transaction. I have submitted claims with the California Insurance Commission at this point and am waiting for them to get back to me. I just submitted a claim with the National Insurance Crime Bureau recently as well in order to handle the situation with the Aspire General Insurance company but for XXXX  XXXX XXXX this is the route I need to take obviously to get them to return my money to me.

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 2022-09-29
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Vystar credit Union mobile and online banking was down and experienced crashes and delays that made it impossible to make a payment. It is the only time Ive ever made a late payment and now my credit is down XXXX points. I and several other people experienced issues making payments due to this outage and have had adverse effects to my credit because of vystara failure to provide means to make mobile and online payments at a reasonable time. I do not have a history of such irresponsible behavior. I have and never plan to make a late payment. However, when the institution requesting payment makes it nearly impossible to pay I feel it is the responsibility of the institution to admit its wrong doing and not make up lies that are clearly refuted by so many customers. Vystar has lied and gaslighted me. I can not believe how they continue to respond and make it seem as if I am only missing a payment out of negligence when I have said time and again that I am my family were stick and quarantined which made it impossible to go to a physical local for payments. The call center has hours of hold time. The website had a line with me often being 9000 + persons trying to reach their website well into XXXX. Even when I wait for over an hour in line I would often get to the first spot to enter and find an error message or page where I couldnt get in. Then I would have to start all over again for the back of the line. I could not make a payment if I couldnt even get to the website to see what to pay. I couldnt move money to my vystar credit card if the place to make payments was unavailable. I failed to make a payment not because I didnt have the money but because vystar failed to provide a way to make payment for those who could not go to a physical location. What about those with XXXX or illness? They caused this late payment which is why I have refused to use the credit card since then for fear of being unable to pay and the company destroying my credit history. The damage they have done to my credit history is not a reflection of my credit worthiness but a reflection of their mistakes as an organization and it is impacting my life significantly. Even people who had automatic payments couldnt get them to go through properly. They have a responsibility to create an environment for their customers to safely and reasonably provide payment and they failed to do so. Blaming me, the customer, by making up lies of negligent forgetful behavior when I have showed zero history of that is shameful. They even called me and asked me to explain and still came back and said I was at fault because their website was back up in 8 days. That is a lie and not the realitiy for thousands of customers. I guess I need to get a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My response to Synchrony Bank to my XXXX email reply to their XX/XX/XXXX email. 

After the most horrendous credit fraud in USA holiday history late XXXX. 

ALL my active Synchrony Bank cards payments fail. 

Sams Club Amazon Prime Phillips 66 Since XX/XX/XXXX til now XX/XX/XXXX your bank account number fails at my bank, because it is NOT A VALID SYNCHRONY BANK ACCOUNT. 

Each of the 8 minthsAfter phone payments, online payments and customer service payments, INVALID BANK ACCOUNT is why the PAYMENTS DO NOT COMPLETE. 

Some how ALL 3 of my active Synchrony Bank cards payments fail. Possibly there is corruption within your bank or hackers in your system. 

As a retired XXXX, I know that programmers can steal within the banks computer system by using a VALID ACCOUNT NUMBER. 

UNTIL THEY GET CAUGHT. 

THEN THAT ACCOUNT NUMBER IS FLAGGED BY ALL BANKING FRAUD COMPUTER SYSTEMS. 

My active Synchrony Bank cards payments that fail are : Sams Club Amazon Prime Phillips 66 Since the only way is to make mail payments, I notice the addresses keep changing from. 

XXXX, FL to XXXX, PA to XXXX, TX Can my payments to Synchrony Bank get any more confusing? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX - landline XXXX - mobile

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent a letter on XX/XX/XXXX requesting Transunion to reinvestigate and update this Account from my report during the investigation period. As of this date, the Transunion has failed to respond to my written requests. Transunion 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. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date 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 non-monetary relief
Consumer complaint received 2023-11-23
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have checked my credit report noticed theirs a collection from to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, CREDENCE RESOURCE XXXX. Which did not send me a letter to dispute this account, which in fact require by law I have 30 days to respond to the letter. But instead this company placed it on my credit report. No Parking Rule/Refusal to pay/ Cease and Desist, they have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. 


Account name XXXX & XXXX : Acct # XXXX Account name XXXX XXXX : Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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 inructions 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 2022-07-04
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter on XX/XX/XXXX requesting Experian to reinvestigate and update this Account from my report during the investigation period. As of this date, the Experian has failed to respond to my written requests. Experian 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. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date 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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is holding {$10000.00} of my money, which I can't access. 
This is going on for 2 months. 
I don't know why they will not release the funds. 
XXXX opened an unauthorized savings account from my Bank of America and froze the account and I haven't any access to XXXX  I am in wealth management. 
Bank of America will not release the funds and close the account and transfer it to my new checking 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-12-05
Company: Comerica
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
So the month of XXXX with my direct express card. I disputed amount of {$490.00} I sent them and faxed the dispute 3 times. XXXX  days later they gave me provisional credit. Then at the end of the month XXXX  day before I get paid they said I was XXXX. I thought I lost the dispute. It turns out they said I did not give them a dispute. I said it was illegal for you to take money out of my account without letting me know. They gave me no notice of any kind. I told them if I did not give u a dispute how would u know how much provisional credit to give me. No answer they said I have to call the dispute department. So I was sick the next day. And when I called back I was XXXX in the XXXX they allowed someone to take a bunch of XXXX charges to the same place. When I should have XXXX in my account none of this would have happened if they did not commit this illegal act and let me take out my money at the beginning of the month. And how does my prepaid card go into the negative I did not sign up for overdraft and they say they do not do this anyhow. I want my begitive amount to be cleared and my XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
I have submitted multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation