BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bankruptcy XXXX Case number XXXX XXXX RE : Results of Reinvestigation I recently contacted XXXX @ XXXX  XXXX  XXXX XXXX ) regarding information associated to to my file. In accordance the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 es seq. ), XXXX filed my dispute regarding the following data with the listed entity. 

Dispute date : XX/XX/2023 Dispute Filed with : XXXX As of the date of this letter, the Disputed information was removed from my file at XXXX. Please note when information is removed from my consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by XXXX. XXXX have Disputed this information on XX/XX/2023 on my behalf with the Credit Bureau listed below, but have not received a response from it.

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 2023-07-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I opened an account with chase bank and deposited my payroll check electronically. Chase determined they could not read the maker of the check and placed a hold on yhe check. Even though the bank the check was created through ( XXXX XXXX ) sent the funds to Chase, Chase refused to release the funds to me and shut my account down. When I call them they say they can not return the funds back to XXXX XXXX XXXX or to me until they verify with the maker of the check that it is not a fraudulent check however, the number they have on file is not a valid phone number. They will not allow me to provide any information for my employer so that the check can be verified and they will not return the funds back to my employer. At this point thus situation is well over a month old and I still have not received my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: PA
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2023-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Fraud was reported to the Account on XX/XX/XXXX at approximately XXXX. On XX/XX/XXXX ( the same day ) Capital One determined quote believe you or another account user benefited from the transactions which could not be farther from the truth. As I explained to the multiple representatives I spoke with, I have a proven track record of paying my account in full and on time. I have never missed a payment. Why would I all of the sudden have bounced payments and charge up a $ XXXX balance on a card with a XXXX limit? I am not benefiting from this because it is affecting my credit report and Im being liable for charges that I did not approve. Capital One advertises a Zero Liability Fraud program yet doesnt even look into a fraud report for more than 24 hours from a valuable customer who has a PROVEN track record of responsible credit use and timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : 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 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 2023-10-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: CAVALRY INVESTMENTS, LLC
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: Account information incorrect

Complaint:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: In progress
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 
XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) {$3600.00} balance {$7300.00} balance I never opened an account with this debt buyer, this seems to have been bought from XXXX XXXX, but both accounts was CLOSED and marked as PAID/Charged OFF by XXXX XXXX XXXX 

I was never informed that the XXXXXXXX XXXX  sold the debt after closing/charging off the account. I was made aware of this by pulling credit to buy a house. 

Below XXXXXXXX XXXX  remarks on accounts : Remarks Charged off as bad debt Canceled by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX days late 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 2023-10-30
Company: EQUIFAX, INC.
State: KY
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:
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 XXXX XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a 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 response to consumer: In progress
Consumer complaint received 2023-10-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Our XXXX  son passed away on XX/XX/2022 at the age of XXXX with no estate. We have received a debt collection letter from Weltman, Weinberg & Reis LPA for a debt owed to XXXX XXXX attempting to collect this debt from us his parents. Parents of XXXX  deceased XXXX  are in no way responsible for this debt. This is appalling that a debt collector would even attempt to try to intimidate grieving parents to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/23 I went into citi bank branch XXXX XXXX, XXXX XXXX, NY XXXX to deposit a check of {$3100.00} due to my mobile deposit limit being {$2000.00}, they locked my online access and the funds in my account, i traveled almost 6 hours out of my way to go to the nearest branch to deposit it. wasted time, gas, money just for them to hold my funds hostage. I cant travel back to a branch like theyd like me to due to them holding all my money. Im getting the run around and im ready to get a lawyer.

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 2023-04-06
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had applied and taken out a title loan with title max, in which I go to make my payments faithfully every month never been late and had only one time where I paid it on the due date. I go to check when my next payment is due and noticed that my payoff amount isnt going down and was only showing at the time that only {$100.00} debt has been made into it when my payment is over that amount on a monthly basis so I was confused. So then i called the branch in which I had asked what was the reason for my loan amount getting higher when payments are being made and never been late nor missed? They told me that you have to pay more than your monthly amount or we get charged more fees. I then was mad and went and relooked over my agreement paperwork and seen they have my loan payoff at XXXX and change when my loan was only XXXX and the percentage rate was over 40 %. This has been absolutely awful because now I feel trapped and in fear of losing my vehicle because no matter how much I pay it off its never going down and I dont have enough to pay it off all at once otherwise I would of done that. This is just ridiculous and unfair and I think this is being done illegally and taking advantage of people to steal their cars from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-10-20
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice in the mail on XX/XX/2023 which came from Caine and Weiner saying that I have an outstanding debt of {$840.00}. I went on the website immediately and completed the online form to request them to stop collection and to send me information that shows that I owe the debt. I did not receive any further correspondence from them a few weeks later I called to request them to stop collection and to send me information that shows I owe the debt. they sent me back to the website and I filled out the form again. I received no information from them again. On XX/XX/2023 I called them for the third time to request them to stop collection and to send me information that shows I owe the debt. again they sent me to the website saying that I had filed a cease and desist and that's why they had not sent me any information. However, I had never filed a cease and desist. On XX/XX/2023 they sent me documentation via email that shows a XXXX BALANCE ( ie, an outstanding balance of XXXX DOLLARS ). Via email, I asked for additional documentation that shows that there is actually an outstanding balance of {$840.00} but they refused to provide that information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 want to file this complaint with TRANSUNION.I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction

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 2022-12-20
Company: Experian Information Solutions Inc.
State: VA
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 frequently check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has ruined me and held me back for quite some time time. Im demanding CFPB to enforce the correction of these items.

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 2023-05-26
Company: TransferWise Ltd
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated a {$1000.00} money transfer to XXXX using through Wise on XX/XX/2023. Wise withdrew the {$1000.00} from my XXXX XXXX account. They charged {$18.00} fee. 
The money was supposed to be available to the recipient on XX/XX/XXXX and today is XX/XX/XXXX and the recipient still don't have the money. 

I made several attempts to get hold of Wise customer service and every time they keep saying they will get back to me within 2 days. Still no resolution. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: AMERICAN EXPRESS COMPANY
State: RI
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:
XXXX Original complaint reference number that has not been resolved and no actions have been taken by the CFPB to date?? 

I rented a car in XXXX, TN with XXXX XXXX and had to take the car to the XXXX XXXX XXXX to catch a plane back home because there were no cars available to take me to XXXX within 120 miles from XXXX. The rental company, XXXX XXXX, charged my credit car four times for the same rental. The original rental rate was {$100.00} for a one day rental, but XXXX XXXX said that I was liable for everyday the rental car was not returned to them. I paid the one day rental of {$100.00}, then paid twice more for days that I did not have the car and XXXX XXXX says they incurred a loss. I have paid {$360.00} total for a one day rental and XXXX XXXX also charged me another $ XXXX on the same day for a second rental on the same day that I have paid included in the {$360.00} rental charges. It is not possible that I am liable for two cars on the same day, right? XXXX XXXX will not remove the charge ( s ) or resolve my dispute amicably and American Express has refused to get documentation from XXXX XXXX to prove that they incurred lost money because of the returned car, especially for two rentals on the same date. I am furious that credit card companies are responsible for settling disputes because they do little to verify the veracity of the evidence in the dispute. XXXX XXXX is intentionally be abusive, punitive and excessive without any proof of actual harm and without merit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
The Discover account my husband had before he past away is listing ME as a user of the account. I was not a user of his account. He died of XXXX XXXXXXXX XX/XX/2017. I attempted thru the debt service I used to fix this problem, however Discover continues to list me as a serious delinquent and I am not the account owner.

Company response to consumer: Closed with non-monetary relief