BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My dispute involves a missed payment reported by XXXX XXXX  to the credit bureaus for a credit card, Account # XXXX XXXX XXXX XXXX. This credit card account was stolen in the Fall of XXXX and used to make significant unauthorized purchases overseas. XXXX XXXX never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted XXXXXXXX XXXX I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of XXXX XXXX that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that XXXX XXXX reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to XXXXXXXX XXXX after filing complaints with the credit bureaus and no changes were made. XXXX XXXX then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: SC
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. 
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 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is reporting late payment experiences furnished to my consumer report. These experiences must be removed. ( see attached )

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 been sending certified documents in to this company and they still wont remove the information although its fraud and it still reports to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
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: Information belongs to someone else

Complaint:
XXXX, XXXX and Transunion are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA 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 2023-07-12
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 USC 1681. 

XXXXAccount Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX. 
Account Number : XXXX XXXXAccount Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX CT TX XXXX Reference Number : XXXX Date Filed XX/XX/2021 XXXX. Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX. Account Name XXXX XXXX  Account Number XXXX XXXX. Account Name XXXX XXXX XXXX Account Number 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 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.

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 2022-11-09
Company: Airtm Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a verfication problem in Airtm dollar wallet they denied my account verfication

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX 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 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 2022-11-09
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are 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 below : 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 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 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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Im a victim of identity theft. Transunion, XXXX, XXXX and their non affiliated XXXX parties are violating the Fair Credit Reporting Act and the Gramm Leach Bliley Act. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS

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 2022-11-09
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX inaccurate inquiries being reported By Transunion and 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 Inaccurate Inquiries being reported by Transunion and XXXX Below : XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
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 regards to case XXXX XXXX Experian claimed that the report does not have those accounts. Those are XXXX account with sub accounts. 
I am disputing this again account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " XXXX '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " XXXX '', I disputed this account and XXXX keep responding with Exhibit XXXX XXXX I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of XXXX XXXX XXXX. XXXX also violated my right to privacy as pursuant to 15 USC 6802. 
THESE accounts XXXX AND XXXX Are still reporting late when Experian said that they were not on my report. This willful negligence, defamation of character. Do Experian want to be held liable for Monetary Remedy. 
As pursuant 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Clearly Experian did do their due diligence INACCURATE AND INSSUFICIENT PLEASE SEE ATTACHED

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 2022-11-09
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: 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 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 2022-11-09
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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 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 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 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 2022-11-09
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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/block any accounts 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 accounts which do not belong to me or were opened without my permission. 
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 : {$1200.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Capital one Bank ( Wal-Mart Card ) Back in XXXX of This year, I had lost my Wal-Mart card XXXX I called capital one Bank ( Customer service ) and requested for a new card and they said they would mail me one. 

We'll that new card never got to me. So called again second time ( XXXX ) and was told they would mail me another card. We'll again no card. So, I called the third time was connected to the Fraud Department. They wanted proof that it was me that requested the new card. so, I had to send them an email photo of my driver 's license. We'll did and never heard back from them. So, fourth time called again and was told they couldn't send me a card because they haven't received my payment for ( XXXX ) My payments are due the XXXX of every month ( XXXX ) payment was made. 

Now when I called in ( XXXX ) first time and requested a new card. My account ( Web Page ) had the new card number so when I receive the new card I could activate it and use my account functions ( Web page ) Like making a payment etc. I never received it ( XXXX ) Second card sent and my account again got a new card number couldn't activate it because I never received it. Third time was fraud dept never heard from them. Forth, time I went into my account XXXX things caught my eye. First a late payment for ( XX/XX/XXXX ) and second a new card number. 

That's when I called and was told by a customer service supervisor ( XXXX ) that the computer assigned me a new card number and that they could not send me a new card until I make ( XX/XX/XXXX ) Payment. Say What! We'll they waived the late fee but refuse to send me a new card until ( XXXX ) payment is made. 

Capital-one needs to explain to me why I am being treated this way. I have had this Walmart account along time and never missed payments. I refuse to make any payments until I receive a new card. 
Thank you. 

Home Phone Mobil Phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.

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 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
California Franchise Tax Board issued an electronic reversal for the bank levy placed in error to Bank of America to be released on XX/XX/XXXX, before the funds were to be released, after a hold was placed on my account over the weekend in the amount of {$2000.00}. The California Franchise Tax Board told me that BOA should have credited back my account within XXXX of receipt of the efaxed withdrawal, sent to BOA 's legal order processing department. It has been sent to BOA XXXX times. The last representative from the California tax board even stayed on the phone with me while the fax was sent a third time. Following this, when I called the BOA representative stated that certified funds would be sent to the California Franchise Tax Board on XX/XX/XXXX in the amount of {$1900.00}. BOA keeps denying receipt of the electronically sent legal order/bank levy withdrawal, is giving me the run around when I requested the legal documentation, as a tax payer, sent to them by the California Franchise Tax Board . I was not properly notified by BOA in advance about the pending legal order that was issued on XX/XX/XXXX, even though I have consented with BOA to communicate any and all documentation electronically and paperless. The California Franchise Tax Board notified me that BOA was supposed to provide advanced notice of the pending withdrawal in order for me as the consumer, account holder, and tax payer, time to remedy the bank levy and to potentially stop the debit of said owed funds. Bank of America denied me of that right. When I asked for page XXXX of the legal order bank levy withdrawal documentation of which I was informed by the California franchise tax board that I have right to, the representative said that I would physically need to go into a BOA branch and sit with a representative who would contact BOA 's legal department and email/ read the documentation to me while I sit there in a BOA branch.

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