BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting numerous inaccurate names and an irroneous BK on my credit report. My numerous attempts to have them remove it went ignored and TU told me to contact the furnisher the courthouse- who in turn responded in writing stating they do NOT reporting this information to any of the bureaus. So statement by TU is a LIE! I have then supplied proof from public search showing NON existence and NON accuracy of this account to TU who again ignored my request for deletion and I kept getting this -we will not reinvestigate your issue because we already resolved this- auto generated responces. this is rediculos and should not be tolerated The law states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 2015-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion deleted XXXX XXXX for {$160.00} because the company agreed to it. Now it has been re-reported. The debt is not mine. In addition, Transunion is reporting credit inquires that do not belong to me and do not constitute fair use. I have had XXXX credit pulls in 2015. There should be no hard credit inquires on my report from 2015. This is harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in 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 2015-09-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Hello, I had a Walmart credit card account open in XXXX and paid it in full in XXXX XXXX for the amount of {$1400.00}. I recently received a bill from the creditor with a opened balance of XXXX. I called Synchrony Bank and they researched my account and stated that my account was paid in full and a new balance show up on XXXX XXXX. I stated to them how could I have a balance when my account been closed since XXXX and paid off XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
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: Information belongs to someone else

Complaint:
Credit reporting agency keeps reporting a fraudlent account that has not been verfied correctly.I have also filed a indentity affadavit with the ftc on the fraudlent account. The account is XXXX XXXX in the amount of {$560.00}

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 explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: KY
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: Received unwanted marketing or advertising

Complaint:
XXXX I have signed up online account with equifax and tried to place a credit freeze, I was not able to do do- the website asked me to call customer service which I did and immediately the service agent tried to sell me XXXX credit monitor service which is bunch of XXXX- I know my right- I asked him to place freeze on my account and he put me on hold- again and again ; after 20 minutes he said he can't do it so transfer me to 2nd agent and again after another 20 minutes- nothing was done and we got disconnected. this is a joke- the other 2 credit agency have no issue of me doing online credit freeze. 

equifax- this is terrible for what happened to me- tried to sell me monitor service instead of take care of me as a consumer over the phone- I need an answer on what's your business model and where is my right on able to place credit freeze free of charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: CA
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:
n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2020-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was charged {$3000.00} for a downpayment on a Travel Trailer where the loan was not approved. I contacted Chase Bank  to dispute the charge on XX/XX/2020. The Vendor, XXXX XXXX   was able to secure a new loan, so I contacted Chase  to let them know the date I was supposed to pick it up and sign a new contract. They told me the original dispute could not be cancelled without an investigation and would stay open. The travel trailer was defective ( air conditioner didn't work, cabinets peeling, exterior  damage ), so we didn't sign a new contract on XX/XX/2020. I contacted Chase Bank again to let them know I did not sign a contract on XX/XX/2020. I also contacted them again on XX/XX/2020. They stated the dispute had to go through their investigation process. Instead, they cancelled the dispute and allowed the {$3000.00} to be charged to my credit card, based on my call on XX/XX/2020, but completely ignored the multiple calls I made subsequently. They closed the dispute without my knowledge. I never received a letter. In fact, they told me XXXX XXXX had the money and I have been trying to get it back from them since then. Chase Bank made me file a new dispute on XXXX XXXX and fax them the information in writing. I then received a letter on XXXX XXXX ( dated XXXX XXXX ) where they again closed the dispute. Upon contacting them by phone on XX/XX/XXXX after receiving my first letter from them, the representative stated XXXX XXXX had the {$3000.00}. I contacted Chase Bank Disputes on XX/XX/XXXX and requested to speak with a manager. The manager told me they closed the dispute, and also that XXXX XXXX did actually approve the dispute and they don't have the  {$3000.00} in their bank account as I was previously told by other Chase representatives, so the money went back to XXXX XXXX XXXX  Bank ( XXXX  XXXX XXXX ) and there is no remedy other than me paying {$3000.00} for something I didn't purchase and don't have a contract for. In the meantime, I have the {$3000.00} charged to my credit card account with late fees and interest. Chase Bank completely mishandled this dispute. There was no investigation that included me and my phone communications to them to resolve this issue went ignored. I first can't understand how XXXX XXXX could charge my credit card for a purchase that didn't have a signed contract or approved loan agreement for and how their bank ( XXXX  XXXX XXXX ) is allowed to keep the {$3000.00} without any remedy. The manager ( XXXX, Chase Bank  Disputes ) I talked to on XX/XX/2020 stated that is a fact. Up until this date, I had no idea the dispute wasn't handled, or that the money was permanently given to their bank ( XXXX XXXX XXXX ) and they are allowed to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX XXXX I found out that more than {$16000.00} had been transferred to my sons ' linked accounts from my Checking account. It had happened over more than 3 months starting in XXXX XXXX. USAA said that since the money was moved into both sons ' accounts that this was my problem to sort out with my sons. They sent me a form letter stating that they closed the investigation. But they did not provide me with an answer to how such a sum of money was moved from my account to my sons ' account without my PIN number on so many transactions over that time. I had changed my PIN several times because of difficulty I was having accessing the account online. They said they would elevate the complaint about 2 weeks ago and that they would be back to me in 3 days but I have heard nothing since. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I applied online for a credit card with Chase Bank USA , N.A . XXXX XXXX XXXX, XXXX DE XXXX. They sent me a letter turning me down for a card due to info acquired from XXXX, stating reason was bankruptcy. My credit score is XXXX which was in the good credit area. Here is my problem. I am tired of applying for and being denied for this reason. Okay, we did have bankruptcy in 2011. We had no recourse. For over XXXX decades we had excellent credit, with unlimited access to cards. However, due to my husband 's military status, his social security number was hacked, therein resulting in theft and unauthorized purchases, so high and numerous to be unreal. They had to be incredibly sophisticated with this hack. We could not find out who, where or when it was so huge and numerous. Even if my husband was a " millionaire '', I do n't think we could have kept up with the problem, therefore, bankruptcy. My problem is, when will we stop being punished for something out of our control? I can understand a bank denying us for this reason, however, it is so wrong to have points taken away for applying, especially considering the facts surrounding that bankruptcy in the first place! We did not plan to have people invade our privacy and steal from us and I 'm so tired of all of the negative results that was not of our doing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i am ( XXXX XXXX ) the Executrix of my aunt and uncle, XXXX and XXXX XXXX estate. My aunt was in a nursing until she passed in XXXX of 2014. She incurred bills from the nursing home in the amount of XXXX plus. Her debt is coming out on my credit report. I am not the responsible party only the representative/ Executrix and thus have no personal liability for this debt. I sent TransUnion all documents showing this is not my debt and they will sont remove this from my credit report. i need this off of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am traveling abroad in XXXX with my XXXX XXXX XXXX credit card. In order to re-enter the united states, I need to book a COVID test online. When I try to make an online purchase with my credit card, it asks me to verify with a text message. My US XXXX does not have coverage in the country I am in, so I am unable to recieve the code and complete the transaction. Today I experienced this and it almost made it so I was trapped in a foreign country. I brought this concern up with Capital One support a few weeks ago, but they told me there was nothing they could do about it. It is false advertising that a credit card advertised as a travel credit card is unable to be used for online purchases when abroad. There is nothing that clearly states this " seperate cell phone service required to make purchases abroad '' is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I reported to USAA bank that my card was lost, on the same day that it was lost. I was told that my account was closed and they and they were going to refund me the {$200.00} that was in my account in the next 30 days. When I called on XX/XX/XXXX they told me the account was still open. We got conflicting stories from various USAA customer service people. On XX/XX/XXXX they told me the check from XXXX XXXX from XXXX XXXX XXXX, XXXX 2011 for {$6300.00} was deposited into the account. I told them that " this was not my money, do not cash that check. '' I tried to log into my mobile app and is said " For security reasons my account is temporarily closed. '' On the next day I was told a check for {$1000.00} had been withdrawn. I asked them why did you permit this withdrawal when there was only {$200.00}. in the account. I was told " It is because you have such great credit. '' On XXXX XXXX I spoke with a manager at USAA and they said " I was responsible for any deposit that were made. '' I then received a letter in the mail that showed it has a signature which is printed, and contains information inconsistent with all previous deposits I have made. I have asked if they have investigated the situation, and looked into the person who deposited the check, and the money that was withdrawn in Ohio ( even though I live in XXXX ). The bank has told me there has been an investigation but refused to share any information. The bank repeatedly insists I am responsible for this money, even though I did all of my due diligence, informing the bank that the card was missing, that the deposit was fraudulent and should not be cashed. I was treated disrespectfully throughout, and was spoken to in a rude manner every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I called Equifax XXXX times to receive my annual credit report. Each time their recording said I would receive it within up to three weeks. Its been three months and I still have not received it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX ; PayPal deposited a sum of {$3500.00} into my PayPal account. The money was accidentally transferred. PayPal took out {$100.00} depositing fee and then credited {$3500.00} back, causing insufficient funds in my palpal, and then tried to withdraw {$3500.00} from my checking account! They realized their mistake, and basically said oh well, not our fault!!! 

They credited back the {$100.00} to get my PayPal balance up to the refund amount, but will not return the funds to original party. 

I now have {$3500.00} of someone elses money in my account, plus a checking account ( XXXX XXXX XXXX locked! I cant refund money, cant get PayPal to stop hitting my accounts for their mistake, and XXXX XXXX  refuses to unlock my account! I have declined bills due to auto pay, and no access to my funds! 

This has been ongoing for 5 days now, getting the run around from bank to bank, with no Resolution.. 

1 ) Unlock my XXXX XXXX  account ( XXXX XXXX  ) 2 ) refund the money PayPal accidentally deposited 3 ) clear this matter quickly so I can re-instate my auto pay and direct deposit This would of never happened if PayPal followed a simple protocol 1 ). Before depositing, a verification of accepting the funds to prevent this from happening 2 ) not removing their fees on refunds or suspicious activities 3 ). Being able to stop direct withdrawals and reverse charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home equity line of credit with USAA in the amount of XXXX. I am current in my payments with the loan, but have been late in the past. Due to previous late payments, USAA froze the account, meaning I am unable to borrow more money. However, they report it as " closed '' to the credit agencies. Having XXXX in revolving debt but not an offsetting amount of credit, creates a credit utilization ratio of XXXX %. This significantly hurts my credit report and makes it impossible to get things like car loans or credit cards. The account is not " closed '' it is frozen.

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