BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX 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 2023-05-23
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX and 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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and correct erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX : {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  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 2023-05-31
Company: ALLY FINANCIAL 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:
Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit 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 explanation
Consumer complaint received 2023-05-31
Company: Upgrade, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My closing attorney provided me a check addressed to Upgrade to pay off debt - overpaying the debt by approximately {$2500.00}. The check was sent on XX/XX/2023. I contacted Upgrade on XX/XX/2023 to check the status of the account and was informed that they use a third-party payment processor and had no information on the status of account. I contacted them every day to check on the status and on XX/XX/2023, Upgrade indicated that the payment was received and a refund would be provided in 7-10 days going to my bank account. I contacted them on XX/XX/2023 and told that a refund was sent in XX/XX/2023 and I should wait until Monday  before calling back. I asked to confirm the bank account and was told it was sent to a bank I havent used in nearly two years. I spoke with XXXX team- who stated there was nothing he could do until it was bounced back but couldnt tell me when that might happen. I was not provided a timeframe for when they would resolve their mistake or when I could expect the funds they owe to me. I tried to escalate the issue but was informed by XXXX that there was nobody else that could address this issue. 
I do not know what else to do. I am retired and on a fixed income. These funds are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the second time I have submitted a complaint through cfpb, the first time Bank of America agreed to respond and never did on XX/XX/22 and a stranger company made a transaction from my account to another account that I don't know whose it is for the total of XXXX XXXX dollars and since then I have been talking to the bank of america to give me my money back but they do not want to give me back the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I was traveling in XXXX XXXX, XXXX and stopped at a XXXX XXXX XXXX in XXXX XXXX to get gas. I handed my card to the clerk to pay for gas. He turned towards the pump to ring me up, which caused his back to be to me, to charge the transaction. He acted like the card wasnt reading. After he turned back towards me I noticed he had the card reader in one hand and his cell phone in the other which I thought was strange. He returned the card to me, I left the gas station and immediately pulled over to lock my card as I had a feeling something shady had just occurred. It was too late as the charge for gas was on my account as well as another charge for {$1300.00}. I immediately called Barclays to report the fraud. I also attempted to find a police station while on the phone with Barclays to report the theft. If they have the phone recording of our call, you can hear me clearly very distressed. I waved down a policeman and attempted to ask where the police station was. I also tried to tell him that my credit card had been stolen by the gas station attendant. Unfortunately, Neither of us understood the other. Due to the language barrier and XXXX maps providing incorrect information, I never found the police station after over an hour of searching. I did the only thing I could think of to hopefully help other travelers avoid this situation/gas station and posted my experience on a XXXX travel forum on XXXX. 

Barclays initially removed the charge. Then, on XX/XX/XXXX I received a letter from Barclays dated XX/XX/XXXX stating they determined the card had been in my possession and the charge was valid. The card was absolutely not in my possession, it was in the possession of the gas station attendant who ran a fraudulent charge and illegally stole my information. 

I called Barclays who informed me I needed to fax a signed statement as to what occurred. I submitted this statement on XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from Barclays dated XX/XX/XXXX saying that they determined I was responsible for the charge as I failed to maintain security of the card. I am dumbfounded by this finding. I had to pay for gas so I had to hand my card to the attendant. I did not know he was running an illegal, unauthorized, fraudulent charge on my card until after I left the gas station and checked my account. 

I am shocked at Barclays handling of this situation. I have had an account with Barclays for several years. I have never missed or been late on a payment and have never had a fraudulent charge before this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I request Bank of America to lift the suspension on the XXXX account. 

I gave the check from Bank of America amounting to {$8000.00} to my friend on XX/XX/2023. 
The {$8000.00} was transferred normally, but the Bank of America considered it a scam and suspended my friend 's XXXX account. 
{$8000.00} has gone out of my account, and {$8000.00} is currently in my friend 's bank account, but my friend 's XXXX account is disabled and can not be used. 

My friend contacted XXXX and Bank of America several times. He was told that XXXXXXXX XXXX can not unfreeze the account unless Bank of America call XXXX to release this matter. 

I asked why the Bank of America suspended my friends account, and it was because the transaction was deemed fraudulent. I got a text message from Bank of America regarding this transaction. I was in XXXX XXXX at that moment and roaming the phone. 
The bank considered it a scam and suspended my friend 's account. 
I went to the Bank of America and told them it was a normal transaction, but my friend 's account is still suspended. 

I would like to inform Bank of America and XXXX that there is no issue with the transaction. Also, please enable my friend to regain access to his 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 2023-06-10
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I did not make charges on the account and have provided previous police reports of identity theft. There is even a judgment against the parties who stole my information resulting in unauthorized charges. Ive provided this info and XXXX continues to defame me. This is a money grab to get me to pay for charges I didnt rack up abs my score dropped significantly as a direct result of their mafia style collection practices. XXXX indicates the collection and it should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: OH
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For quite some time now, I've been entangled in an ongoing dispute with JPMCB Auto. Their contact information is as follows : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. They have been providing erroneous information to the credit bureau, which has had a detrimental impact on my credit standing for years. The account in question should have been closed and fully paid off, and there should be no reporting of any monthly payment. However, they persistently report a monthly payment of {$6100.00}, significantly damaging the Debt-to-Income ratio on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Affirm Holdings, Inc
State: NC
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 XXXX account number 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 instruction. 

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Marcus ran a promo in XXXX for {$100.00}. I met the conditions and received an email acknowledging. {$100.00} should have been paid out in XX/XX/XXXX. Called two times and Marcus both times agreed I should be paid. 1st call, agent said case would be open. On 2nd call, agent said no case existed. 2 call agent said that Marcus will manually review and pay whenever. They have no ETA which is unfair given the XXXX XXXX XXXX XXXX Online Savings Account {$100.00} Cash Bonus Offer Terms Offer valid from XXXX XXXX XXXX ( the Offer Period ). 

To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account in this offer at https : //www.marcus.comXXXX or by calling Marcus at XXXX ( XXXX ) by XXXXXXXX XXXX  ET on XXXX Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail. 

After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Marcus Online Savings Account within 10 calendar days of enrollment ( the Funding Period ). The account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ), must be maintained in your Marcus Online Savings Account for 90 consecutive days from the date of reaching the Required Dollar Amount. The account balance is based on the starting current balance reflected on your account at XXXX XXXX. ET the day you enroll. Once the Funding Period has ended, your Marcus Online Savings Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for the purposes of this Offer. 

If you choose to enroll a different Marcus Online Savings Account, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled account within 10 calendar days of enrollment, even if you have reached the Required Dollar Amount in a previously enrolled account. 

The {$100.00} bonus will be deposited into your Marcus Online Savings Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes. 

Offer available to new and existing customers. Each customer is limited to one cash bonus offer. This Offer can only be applied once to an account. If an account has multiple owners, the account is limited to being enrolled for this Offer under one account owner and receiving one cash bonus. Remaining account owners may be eligible to use another eligible account to enroll in this offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
sent a letter a few months back to Fair and out sourcing acct # XXXX {$2800.00}. Sighs! where do i begin first and foremost i have no knowledge of this account. My identity was compromised and i've spent the last few months trying to put the pieces to the puzzle of my credit TOGETHER. so, i sent a letter a few months ago along with my identity theft i informed them this wasnt my account. Im asking for validation of debt and an immediate removal of 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 2020-09-21
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the collection agency through certified mail XXXX to let them know that the XXXX account that theyre saying belongs to me is not mine and to show me proof why theyre saying it belonged to me. They replied by sending me a bill, so I sent another letter through certified mail in XXXX stating that wasnt proof and to remove that account from my credit report immediately and they never responded..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation