BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX : {$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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two inquires from Capital One Auto Finance. Once was in XXXX and the other was in XX/XX/2021. I purchased a vehicle in XX/XX/2021 and did not authorize them to pull my credit in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Chime Financial Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I Have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer report furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is  continuously reporting inaccuracies on my credit file. I have tried several times on their website to report these inaccuracies with supporting documentation but they will not look at or follow the law. Under FCRA 611 ( a ) ( 6 ) and ( 7 ) 15 USC 1681i they are supposed to provide me with " PHYSICAL, '' proof of their investigation, not speculating by just saying " verified, '' " remains, '' and " Meets requirement of the Fair Credit Reporting Act. '' That is n't a form of verification. No where in the FCRA does it state that is how you verify the items. I have asked to see contracts, contact information of who they spoke with from each inaccurate account and they still do not provide any of that information. None of these accounts have even been properly investigate d and they are breaking the law!   Attached is my dispute with all relevant information to each inaccurate account and inaccurate personal information.

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 2022-12-09
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I zelled funds from my XXXX XXXX account to someones XXXX account. 
The {$1500.00} was taken out from my checking account instantly on XX/XX/22. 
When I contacted XXXX XXXX, I was informed that they can not push this transaction faster and its up to Zelle. 
Zelle stated that the fund is held up and will take 1-3 days to send to the receiving party. The receiving party called her bank and it was said that the funds is pending. 

It is UNACCEPTABLE that the money was instantly taken out from my account and is not available to the intended receiver. Obviously, if I send this amount of money to someone, its for an emergency. 
These financial institutions ( in this case : Zelle, XXXX XXXX, XXXX ) should not be allowed to take a persons money and have it in limbo!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-23
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I downloaded XXXX XXXX  & noticed that I have a DEROGATORY MARK!? from debt amount owed to XXXX, so I looked into it further & it was submitted from the XXXX XXXX XXXX XXXX. {$150.00}. So I disputed because if & when I even had this appointment -I HAD/HAVE insurance.. & it definitely would have been covered under. So I filed a dispute because when I researched further the date of service is a date I didnt even have an appointment on..?! So I kept disputing & they made their decision - from documents or info provided by the company so now I am stuck with a derogatory mark for reason unknown! I had no clue of this until downloading 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; CHLD SUPP VA XXXX 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 2022-12-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase Bank has started to hold put a 7 day hold on my payments to my credit card. They started doing this within the last two months. I contacted them, and I get different answers as to the reason why, and sometimes the customer care associate states they don't know why the system is placing the hold. The hold is placed, even though the funds are electronically withdrawn from my bank account. When I escalate to a supervisor, they just say there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with TD Bank on XX/XX/22 because of a promotional ad on XXXX. The ad stated I would receive a bonus of {$150.00} if I opened a Convenience Checking account and received a direct deposit of at least {$500.00} within 30 days. I have met all of these requirements but I have not received the bonus. I have called TD Bank multiple times concerning this issue and everytime I call they advise the department that handles promo bonuses does not take calls and that I just have to wait. Any assistance you can provide would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX, NA # 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 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 2022-12-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX Synchrony Bank processed a payment for {$4100.00} which was not authorized. The company claimed that I set up autopay for the statement balance which I'm sure I set it up for the minimum payment. I am always very careful. When I brought this to the company, they were willing to issue a check but said that it would take 2-3 weeks for it to process. They were able to fraudulently take the amount electronically and were unwilling to return the amount electronically minus the minimum payment. They overdrew my account and left me without any money to take care of my family and expected me to wait for weeks to receive the unauthorized amount of money they took. Their customer service was able to get the check expedited to 3-5 business days but that still leaves me without money for almost a week. I have had nothing but problems with this company and in a previous instance they charged me a double payment even though customer care said that I would not have to make the second payment. This company has deceitful business practices and should adjust them.

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 2022-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Paypal charged me almost XXXX XXXX dollars in fraudulent charges between XX/XX/2022 and XX/XX/2022. Filed disputes against them all, called numerous times, talked to numerous people over the course of 5 days. All guaranteeing me this will be resolved and they have my back. Day 5 and I receive an email stating they denied my disputes because it's consistent with my history. It's not, I use PayPal for 2 bills under XXXX $ and the occasional purchase. Not XXXX $ in 18 separate transactions. They have done nothing to help me. I filed an appeal ( or, I was told they filed one, who knows ) but they won't let me close my PayPal account down or anything. They won't even cancel the PayPal card that's being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
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:
Ive been a victim of identity theft I have not authorized no one to open a Bank of America credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.

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 2022-09-27
Company: Team Recovery Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Team recovery and some XXXX XXXX collections including other recovery services have repeatedly putting collections on my credit report. These are all medical bills. I am XXXX and receive XXXX. My income is low and I can not pay these bills they turn into collections against me. I have contacted the hospitals and they have offered no financial assistance to me at all. Please help with these collections!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX  XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXXBalance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: LEXISNEXIS
State: TN
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:
There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with mental distress due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.

Company response to consumer: Closed with explanation