BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
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:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I was sent a letter from XXXX XXXX XXXX advising that my account was paid off due to my auto insurance company XXXX paying the balance of XXXX in full and I owed XXXX. This account is still reporting to my credit report in error and violating the fair credit reporting act The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

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 2023-07-12
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921  ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX OF Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen XX/XX/XXXX. Every credit card and debit card I owned was informed. In early XX/XX/XXXX ( around XX/XX/XXXX ) I called capital one to pay a balance owed of {$300.00}. I was informed that it was paid in full. When I tried to use the credit card it was denied. I called capital one back to inquire and found out that there was a second credit line opened with capital one that I did not authorize, also {$300.00}, that credit line had already been emptied. I informed capital one that I was not the one who opened this account. I was transferred to their fraud department to make a claim. Later I was informed that the balances owed on both credit lines through capital one were attempted to be paid with my debit card that was closed when my identity was first stolen. Up to 17 times, in the month of XXXX, Capital one allowed an identity thief to continue trying to pay on credit lines that were reported as fraud with a bank account that was closed. This again was reported to capital one as fraud. I was transferred to a manager who said they would investigate. I stayed on the phone during this investigation, when it was done, the manager told me they did not see any evidence of fraud and I would be liable for all charges. I asked to speak to someone higher and was denied multiple times, being told that I was speaking to the highest level of authority at capital one. Days later I called capital one again to try settling this issue, when I was transferred to a manager, I told them my name and I was hung up on. Capital one allowed the identity thief to change my account information multiple times even after I had called and corrected it. They denied my fraud claims even after given them the police report number. I have further proof of this identity theft at this time.

Company response to consumer: Closed with explanation
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: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-04-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was thrown into this XXXX XXXX owned company from last one, - when they bought my paper from XXXX loan company. 

I have always paid on the finance site going all the back to XXXX XXXX. This company charges {$15.00} for an ON TIME ONLINE payment! Seriously, what could their cost be on that? 

I look forward to class action suite against this XXXX XXXX unethical and immoral organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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:
on / U.S. Code / US law / LII / legal information institute.

15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

15USC 1681a @ ( A ) ( I ) Exclusions- except as provided in paragraph ( 3 ), the term consumer report does bot include -- ( A ) Subject to section 1681s- 3 of this title, any I demand the following accounts be verified or deleted immediately. 

XXXX XX/XX/XXXX late payment reverse XXXX XX/XX/XXXX please remove XXXX remove account inaccurate information not on all XXXX XXXX XX/XX/XXXX remove account XXXX  XXXX late payment reverse all XXXX of them Inquiry ; XXXX XXXXXX/XX/XXXX Inquiries remove First help XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-12-13
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I used my card on XXXX XXXX at an ATM then later when I tried to use it in a vending machine it said transaction declined. I call customer service which was overseas and the reps were not understandable and I was refused a supervisor. They couldn't or wouldn't tell we why the account was frozen, and they put me on hold which kicked my call out of the system. I went through this several times each day over several days. I also started an email trail which went nowhere but at least I have proof of dates and all I did to rectify the situation. They finally told me my card was fixed and when I tried it in the vending machine it worked, however later I attempted to withdraw cash from an ATM it said my account was in the negative by XXXX USD. There was over {$2000.00} USD in that account, then they said that I reported the card lost ( never happened ) Then they started a claim dispute in my name, but they want me to write a statement listing the disputed withdraws, I can't do this because the account is inaccessible. I am at a lose as to how the ATM withdraws were made after the card was frozen but that is what NetSpend is claiming. 
I really believe they are scamming 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 2023-03-12
Company: EQUIFAX, INC.
State: IL
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Please help as soon as possible! On XX/XX/XXXX we deposited {$23000.00} at Truist Bank in XXXX  XXXX. It was a cashiers check from XXXX XXXX XXXX XXXX XXXX. It's all the money that we had to live and pay bills with. They froze our account for three weeks and closed our account against our concerns. They finally returned two checks totalling {$700.00}, on XX/XX/XXXX from a seperate deposit. 

We still have not recieved our {$23000.00} - and, we are desperate! We're racking up late payments and treatning letters. 

The XXXX XXXXXXXX XXXX XXXX stated that Truist only had to call them to verify the funds. They refused! 

Sicerely, 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 explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/2023 an inquiry made by JPMORGAN Chase bank was made on my credit. This wasn't done by me and it was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: OH
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 debt collection agency XXXX XXXX XXXX XXXX XXXX has sent letters recognizing the fraud that was committed and has promised to remove the account # XXXX from my credit reports. However Equifax is the only credit reporting agency that has not complied. 

This is greatly affecting my credit score and ability to receive approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Paypal Holdings, Inc
State: WA
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 received and email that my venmo account was restricted. 
I requested the reason why, after making sure I have not done anything against their terms. I have no violated any of them. They refuse to provide information as to why, or let me appeal. They send generic emails giving links to the same things that do not pertain to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
After my last complaint to your govt office, XXXX replied saying that they recognize the mistakenly filed lien they filed with FHA case # XXXX. And submitted a request to HUD on XXXX. I have waited over a month without any news at all about its release. I even contacted HUD directly and they were not able to help. And only sent me the bill of the money incorrectly were told that I owe. 

( I may be mistaken but i believe the mistakenly filed lien is XXXX book number is XXXX pg XXXX in the amount of {$17000.00} ) Please note : there was one lien that was filed correctly and has been paid off.

My request is in regards to the lien that was mistakenly filed by Caliber on XX/XX/XXXX for the amount of {$17000.00} I have been trying to correct this since approx XX/XX/XXXX, my house closed on XX/XX/XXXX. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XXXX, I discovered fraudulent transactions that fully wiped out all the balance on my XXXX XXXX dollars Vanilla Visa Gift Card. I contacted InComm to dispute the transaction, and I was told by XXXX that they would initiate an investigation to recover the fund. I was subsequently informed of the reference number XXXX. In XXXX, I received a partial replacement of about XXXX dollars. I contacted InComm costumer service and they told me that not all transactions were reported as fraudulent in XXXX. I was given a new reference number of XXXX for the second report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello my name is XXXX XXXX and 3 days ago I filed a complaint about the treatment I received from XXXX at the Ameris Bank XXXX XXXX XXXX branch which also happens to be my home branch. I was told when I called to complain that someone would contact me about my complaint. Instead, I woke up today to find that my debit card had been closed by the very same branch I filed a complaint against and that they were attempting to close my account- a business acct Ive had since XXXX with Ameris. I also have a credit card thru Ameris and feel this treatment is completely unprofessional. No one else from Ameris can help me outside of the branch I complained about so Im in a XXXX XXXX  Today I was stranded because I couldnt buy gas or get an XXXX the reason? Well while my account is in good standing- the branch I complained about has blocked my debit card and only they can re-activate it. My daughter was late being picked up because Ameris thinks they can block me from accessing my money for no reason. No one from your staff had returned my inquiries at this point and Im at a loss for what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
An account was illegally opened in my name and email address using my SSN. I requested that they immediately close the account and report it as fraud. 

At the very least, Chime should setup more verification steps to open an account as they merely used my email and SSN to be able to open an account which I could have ultimately been held accountable for even though I never verified my identity and a credit check was NOT done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contact chime because the company I brought my car from did not get the payments On XX/XX/2023. I have talked with dozens of representatives. I have summited photos, emails, calls, videos of the reasoning I am disputing the transactions. I keep getting denied. I have attempted to contact the investigation team to no luck. Thus is going on over 2 months of disputing and over 15+ rebuttals. My last denial was on the XX/XX/2023. I an reopening the claim as of today XX/XX/2023. My bank is chime. I want resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted Experian, placed frau alert. Have contacted XXXX XXXX XXXX in the past when this happened and no there was no reason for a report to have been issued. I do not have an account with XXXX XXXX XXXX, have not applied for a credit card or loan or for any other service with this company. 
This is the second time this has happened. Shortly after the last time, I received a letter from a sham XXXX address. I reported this also.

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