BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 U.S.C 1681. The XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX department store acct # XXXX XXXX XXXX XXXXXXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 from myself

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 2023-03-14
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:
Upon reviewing my updates, the incorrect information was found in my reports which I believe has been taken care of due to the written appeals I sent. The action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date Opened : XX/XX/18 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 2023-08-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
HSBC BANK XXXX froze my bank account in early XXXX, and I lost access to my online banking. 

They did this for suspected fraud and asked me to come into branch with valid ID and to provide evidence regarding a XXXX credit coming into my account. 

I did all of this, submitting statements and official letters that validated the payment. 

The review was completed swiftly and on XXXX XXXX I received a letter stating that with requested evidence, the bank completed our enquiry and all restrictions on your account have been removed. 

In fact, no restrictions have been removed and the bank has continued to unlawfully hold my money without unblocking the account. It has now been over 6 weeks since I received this letter and well over 2 months since the account got restricted. I have not had any contact from the bank and they have just illegally been holding my account, I know they are not allowed to do so by XXXX law for over 6 weeks. 

I am a XXXX  and all my money is in this bank account as well as my XXXX  overdraft. Also my XXXX XXXX  from my university ( XXXX XXXX ) came into this account and I am unable to spend the rest of it which means I have no food. I am starving and cant pay my bills and cant focus on finishing XXXX XXXX XXXX because of this. I have developed XXXX XXXX and XXXX XXXXXXXX and XXXX XXXX. I have been seeing many XXXX and doctors because of the ongoing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: ME
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 XXXX XXXX a natural person is writing to dispute inaccurate information on my credit report. The information in question relates to an account with XXXX XXXX, account number XXXX. 

The information provided by your agency regarding this account is inaccurate in several ways. Firstly, the date the account was opened is listed as both XX/XX/XXXX and XX/XX/XXXX across different credit reporting agencies. Secondly, the date of last payment is also listed differently across different reporting agencies, with dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX being reported. Additionally, the reporting date is listed as XX/XX/XXXX and XX/XX/XXXX, which is also incorrect. 

Furthermore, one of the credit reporting agencies is reporting the account as paid off, while another is reporting it as derogatory, which is contradictory and inaccurate. 

According to the Fair Credit Reporting Act, Section 607 ( b ), credit reporting agencies are required to provide accurate and complete information in credit reports. Additionally, Section 623 ( a ) ( 2 ) of the Act imposes a duty on furnishers of information to provide accurate information to credit reporting agencies. Inaccurate information on my credit report has negatively impacted my ability to obtain credit and loans, as well as other basic necessities. 

Therefore, I am requesting that you investigate and correct the inaccurate information on my credit report regarding the XXXX XXXX account in question. I also request that you provide me with an updated credit report reflecting the removal of this account within 30 days. 

Thank you for your attention to this matter.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents 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 2023-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
complaint id XXXX XXXX XXXX has XXXX false claims and continues to prevent me from getting my credit report regardless of Annual or Site. 

Equifax 's claim in email " Important Information ... '' we have finished ... .FALSE SEE ATTACHED XXXX XXXX p.m. Email attached showing access to account granted XXXX XXXX XXXX Screen shot attached showing AGAIN " UNABLE TO ACCESS '' XXXX Equifax XXXX difficult and no explanation- send drivers lic and social via mail. 

I DO NOT HAVE 60 DAYS, 30 DAYS, EVEN A WEEK! I have been battling this well over the time frames and limits set by the Fair Credit Reporting Act. 

Equifax has been given far too much time. 

I have spent hours and now 2 days regarding this matter with Equifax and every call has resulted in lies and prevention of my obtaining my credit report. 

I was denied a loan based on fraud and inaccurate data reported which is hurting my score by XXXX points Equifax Actions are continuing to allow fraud to proceed since they will not allow a dispute or fraud to be reported. 

As of today upon getting an email from Equifax which is attached and their very quick claim of " they are working on it '', I called and the rep proceeded to just stated We need your driver 's license and social card mailed but refused to give just cause or explain why. 

Attached is also proof of there is no issue with my online account Finally, as stated, the email received today, resulted in yet again not allowing me access after I got an email stating " click here '' to access your account. 

I will proceed forward with a law suite if this matter is not resolved since it violates Federal Laws and is damaging to me the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: OR
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-10-24
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:
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 2023-08-08
Company: SandP Solutions, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
am XXXX XXXX I been scammed from unscrupulous people of {$15.00} XX/XX/2022, taking advantage of my age and lock of knowledge of internet technology They call me with false identity, pretending to be of XXXX supervisor, telling me that all my accounts has been hacked that the scammers have my social security, my bank account and my address. 
In order to stop this I have to deposit {$15.00} cash to Bitcoin ATM.other wise I will lose everything including my house.they really scared me. 
They took over my cell phone, they did all the transfers from my savings account to my checking account, and told me to get cash from my bank to do the deposit ASAP, that they will put my money back to my account. 
This situation has cost me a lot of stress, mental, emotional, physical and Financial. at the point that I had see a XXXX to help me too over come this situation witch i am still struggling at the moment. 
Attached is all the evidence. 
Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital systems LLC opened and put a report on my credit report called XXXX XXXX. I have never heard of it and also put a open date of XX/XX/2022. I believe this is fraudulent activity and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had made a payment online on My Bestbuy Citibank card on XX/XX/XXXX in the amount of XXXX. I checked online my balance on XX/XX/XXXX an noticed that my current balance was {$4100.00} and my available balance was {$800.00}. My credit limit is {$9300.00}. 
I called Citibank card and the supervisor was so rude and he said that my bank was holding payment. I told him he was lying because the payment was posted on my account on XX/XX/2022 They have denied a transaction, which is embarrassed. 
I have proof of the transaction showing the payment was posted on my bank account and the email I had received from the other company that my transaction from XXXX was declined.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in violation : XXXX, XXXX 15 USC 1666B states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
Accounts violation : XXXX Please remove these accounts and late payments off your credit and consumer reports.

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 2023-07-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, I deposited a check in the sum of {$15000.00} into my business account, titled XXXX XXXX XXXX XXXX, at TD Bank , N.A . OnXX/XX/2023 the entire amount was made available to me. I transferred the funds into my brokerage account held at TD Ameritrade and made a short sell trade of XXXX securities. This trade added to a previously held position of the same security. On XX/XX/, TD Bank then placed a hold on the deposited check after making it available and after my transfer was made, thus reversing the transfer of funds. This was done with no notice at all. This reversal resulted in a Margin Call on my brokerage account due to the drop in equity. OnXX/XX/2023 the brokerage firm implemented a Margin Sell Off at a loss of {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/XXXX, I received a notification from the credit bureau that my credit line on my XXXX XXXX card decreased from {$460.00} to {$240.00}. This is the second time my credit line decrease without me being notified by the store. I have noticed a pattern in their activity. Whenever I pay my bill down they subsequently reduce the credit line to the new balance as if they at gradually trying to close my account. Im ni sire why. My credit score is higher now then it was when I initially got approved. My male counterpart is a XXXX male we started out with the same credit line- he pays just as I do because I pay the bills and there has been no change in his credit line. Also they never send notifications as to why- when I call they read me the statement but somehow the physical letter never reached my home address. Of the typical price range of products is $ 60-200, what are they conveying my purchase power is only to buy one item based on demographics, race, age etc? I want to know why and I do not want a generalized answer because that will not suffice.

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 2020-06-06
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Quicken Loans began to prevent me from making payments when the payments due exceeded the amount due on the remaining mortgage balance 2. When I asked them for payoff quotes, they provided them 24 hours later, expiring on the day of receiving them 3. Now, they've committed fraud by reporting me to the credit bureaus for missing a payment that they would not allow me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
After changed my address from XXXX  to XXXX XXXX my information was used by scammers so i made a police report also made a complain to FTC years back. 
Now i have problem to open new account- need to clear this issue urgently. My secured information- current address all are updated to IRS and creditors.

Company response to consumer: Closed with explanation