BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND MY ADDRESS PRIOR WAS XXXX XXXX XXXX, XXXX, XXXX, XXXX. I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED XXXX, TRANSUNION & XXXX AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO XXXX XXXX, TRANSUNION XXXXTHREE TIMES ALREADY. I UPLOADED REPORT TO XXXX AT XXXX. I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Fraudulent information reporting to my credit report. FTC submitted requesting validation verification, & removal to the companies following investigation. Accounts were not validated nor verified. According to the FDCPA & FCRA everything reporting to my credit file must be 100 percent accurate across all reports. Inquires connected to the accounts were removed however not accounts.

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 2017-04-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  XXXX   XXXX ,  XXXX  I purchased a mattress and box spring from   XXXX   XXXX  . They use Synchrony Bank for their financing. The cost was {$4700.00}. My payments are due on the  XXXX  of each month. I have been paying my bill almost a month early since the first month the bill was due. I do n't like having debt. On  XXXX   XXXX ,  XXXX  I received a message to ca ll Synchrony rega rding a past due bill. The call was answered by a non English speaking woman, so I asked to be transferred. I then spoke to a man who said he was in the collection department. He told me I owed {$220.00} the {$27.00} was the late charge. I then read him the dates and validation numbers for each payment. He told me that he could see the payments and that it is my fault because I pay ahead of time. He said he took the late charge off and brought my account current. I did n't get the feeling that he really did what he said and then I began to worry that th e may have re ported me to the credit bureau. I called back and again spoke toe supervisor who proceed to again tell me it is my fault and that he would n't even brother to see if I had been reported. He also told me he did n't even care if I paid my bill. This bank needs to change their computer to accept early payments and train their people to be customer friendly. From the comments I see, they really need to be put out of business. Please help me correct my problem before they destroy mu credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/2018. I opened XXXX XXXX credit card. I lost my card after sometime and didnt setup the online account and couldnt do the payment on time. They closed my account and put in collection when I called. I paid the money right away and they said account will be removed but it shows as charge off/collection and negatively effecting my credit. My request is to remove this account from report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The following credit inquiries thats currently listed on my Trans Union, XXXX, and XXXX credit report are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, and XXXX XXXX Bank, 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 2022-12-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive reached out to you all multiple times stating that I filed bankruptcy and that I wanted this removed from my account. You all have yet to do so.

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 2022-06-09
Company: JPMORGAN CHASE & CO.
State: OK
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 received a call from the company that someone applied for credit in my former name. I denied completing any application for credit. The company closed the application. I then contacted XXXX because my credit score decreased XXXX points. I contacted the XXXX XXXX Department who took the inquiry off my account. I was then told to file a fraud report with FTC.gov/Fraud Alert which sent me to CFPB to file a fraud report. I sent the fraud report to all credit reporting agencies. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX I closed checking and savings account at XXXX XXXX receiving 2 Cashiers checks for the balance of those accounts. Check # XXXX {$1900.00} checking & Check # XXXX {$1000.00} savings account. 
XXXX Both checks were Deposited into my chase checking account via XXXX XXXX XXXX Both check were cleared by XXXX XXXX and funds released to Chase Back same day. 
XXXX : Received email from Chase stating my accounts would be closed due to Fradulent activity.on XXXX and all banking services were suspended immediately. 
XXXX : I visited Chase Bank due to my Bank card not working - I did not know my account was frozen. I missed the mail sent to me on XXXX. Account services stated my accout was about to closed due to fraud for the Cashiers Checks previously deposited. I presented the actual Cahsiers checks to Staff at Chase ( security measures visable on checks, and call to XXXX XXXX branch verified they produced the checks. Chase Branch personnel asured the validity the cashiers checks to their fraud department. I was informed nothing could stop closure of my accounts. Chase would send me via mail my checking account balance, my savings account balance within 5 to 10 business days and the {$2900.00} amount from the 2 cashiers check. with in 3 weeks time. 
I received balance of my Chase checking account and Savings account within 10 business days. I did not receive my remaing funds. 
XXXX I visited Chase Branch XXXX : Inquiring about my missing monies and Branch contacted Fraud dept - which stated XXXXXXXX XXXX could not be reached to veify validity of funds. 
XXXX Contacted XXXXXXXX XXXX to verify funds were dispersed to Chase and they could not cancel checks. 
XXXX Back and forth with XXXX XXXX offering to assist me and Chase Bank Branch assisting me yet Chase Fraud Dept . refusing to accept any information from XXXXXXXX XXXX and Chase Branch. 
XXXX Returned to Chase Branch - informend Branch its been over 60 days that Chase has had my funds. Enough time has passed for Fraud to have completed their investigation and release my Funds. 
Chase Branch : XXXX opened a investigation in my behalf and that would demand a respose from Chase within 72 hrs XXXXXXXX XXXXXXXX received call from Fraud Dept. I demanded Stating investigation opened- and they will respond. I was told I would get a call with fax number to send documation I had. I received no number. 
XXXXXXXX XXXX XXXX Received call from Fraud Dept. Once again stating XXXXXXXX XXXX  could not be reached to verify the cashiers checks. No other remedy is available. Fraud Dept could not direct me with any other recourse. 
XXXX begain researching how to sue Chase for return of my monies. 
Chase Bank has not remedy for this. They have basically stolen my money and has no intention of returning it to me. They have never contacted me again about returning it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello Ive been trying to get in touch with consumer portfolio to ask if they would please help me with my payment. My payments have been half payments have been making a payment, but they still want to repossess my car. I called as early as today XX/XX/2022 to ask for help and keep getting pushed around. I need help so I can half my car because I have chronic illnesses and I need to get to work. I do make a payment but its not a full payment. Im axing them to please lower my payment, but they keep refusing. I need help getting this company to help me through this process I am, not sure why the car dealer went with this company because I had no debt when I traded in my old car for the present one that I have I checked with my credit and seeing that I have paid the car loan down significantly and Im just axing them to please have some understanding and help me through the process of getting back on my feet so I can continue to pay my car loan off I have not missed a payment Ive just been paying what I cant which would be at half payment and then try to make the payment up or Im just asking them if they could get rid of the of the fees and interest on a loan until I get caught up. No one will return my call when I text or email they refer me to the manager who will not get in touch with me. This has been going on for three months, I heard from the manager this past Monday letting me know that my car was going to be repossessed. I asked him not to do that because I have to make a payment and he instructed me to hide my car so that it wouldnt be taken I said why would I hide my car if Im axing you to help me with the payment by just lowering it or taking a half payment and allowing me to make it up at the end he replied that his manager does not allow that and instructed me to hide the car. Please help me with this matter. If you quit by. This is the second letter I have sent to you about consumer pro folio services. Thank you for your time and Ill wait for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for Transunion to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information Transunion present does not match with what I have! I am requesting them to stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX XXXX Late Date XX/XX/21

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 2022-08-01
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my creditreport in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you statedin writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX .... Late Date XX/XX/22

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 2022-08-23
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XXXX XXXX ) Recently, I, XXXX XXXX, XXXX XXXX an extension of credit by Childrens Place On ( XXXX XXXX, I applied for ( Childrens Place Credit Card ). 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Childrens Place XXXX XXXX ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( Childrens Place ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
Despite the XXXX dispute letters I have been sending to the Credit Bureaus, they have failed to removet the disputed inquiries compeltely from my Credit Report and continued their reporting without proving that the inquiries beling under my name. The last leteters I have sent to them was XX/XX/XXXX with complete attachments of my personal information. Under the FCRA, I have been requqesting that the Credit Bureaus take a look to my Credit File and confirm the validity of the disputed Inquiries and send me proof of their verification and yet they have to do so! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I am planning to pursue legal action and pursue the Credit Bureaus for their willful non-compliance with the4 FCRA regulation. The Credit Bureaus must remove the disputed inquiries as soon as possible : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/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 2022-08-23
Company: Comerica
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
I received a Direct Express card over a year ago on behalf of my daughter, for Social Security benefits due to XXXX. I want to transfer the balance into her bank account, but when I try to do this using their automated phone service, I receive an error message saying it can not be completed, and no other information. I have tried several times. When I call them to try to speak to a person, the wait time is endless and I am never connected to a person. I have tried to transfer the money using their online system and it simply does not work. It looks like the transfer is pending but then nothing is sent and no error message is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Block, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I have made a purchase on cashapp and XXXX but later on found out it was a scam an fake website. XXXX keeps telling me they can not do a dispute and give me my money back. It was for XXXX on XXXX XXXX for a drum set I clearly never got nor got a tracking number for as well. 
All. I want Is my money back from the scammer who took my money an I cant obviously get into contact with the seller that XXXX keeps telling me to do. 
It was for my XXXX year old daughter birthday.

Company response to consumer: Closed with explanation