BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Please note, this is not a duplicate complaint and I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. The law says that you must block these accounts while being investigated, and I expect that you will do so. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/2023 ; XXXX  XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/XXXX, XXXX these items above should be removed from my report immediately.

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 2023-05-05
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I graduated from a secured card in XX/XX/2023 to unsecured card. I had a {$300.00} deposit that was supposed to be refunded to me after the XXXX month payment/billing cycle via their advertisement and website. The alleged paper check for {$300.00} was sent usps and was never received. I had to wait another 30 days for the to " cancel '' the check I then recieved mail of the voided check within a few days. Because of this I became suspicious if an actual check was sent from the beginning. I then called on XX/XX/2023 requesting my deposit again since it was past the 30 day time frame. I provided my checking and routing number and was advised by the rep my deposit was going to be XXXX refunded immediately the bank account I provided is the same my monthly payments are withdrawn from and saved to my Discover portal. Today is XXXX I have called Discover 3x just to get the run around and a rep told me that a " stop check payment '' was put on XXXX I have no idea what she was referring to. I was advised that they would need another 24-48 to follow up with me that another department had to be contact. I have wasted hours of my time as well as it has been very distressing going back and forth with this company when I always get different answers and no one is resolving the issue. Please help, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
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:
XXXX XXXX XXXX with account number XXXX This account is listed as being 90 days late. I have never been late on this account. 
In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have 2 fraudulent inquires with XXXX XXXX bank and XXXX XXXX  that are reporting to my Transunion XXXX XXXX. I believe I am a victim of identity theft. On XX/XX/, someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with XXXX XXXX and XXXX XXXX. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX 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 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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Application for a credit card at XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. I received an alert about a hard inquiry, looked into it and seen a lender pulled my credit. Reached out to XXXX XXXX on XX/XX/2023, spoke to a XXXX and she did confirm someone did submit an application. I informed her of the situation, it was not I who applied for this application. She submitted it as fraud, cancelled the application, and confirmed the cards were not sent out. Only information she had to give me was Act ID # XXXX. I am now submitting a dispute to each credit bureau, froze my accounts, and submitting this to have my credit report fixed.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-12-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a jacket via phone on XX/XX/2023 in XXXX, XXXX. The item was picked up on XX/XX/2023 when we travelled to that country. I reported a defect with the item in the direct on XX/XX/2023 but was told that the return policy is 14 days and hence I can't return the time and the store refused to fix it for me. I disputed the charged and the credit card, AMEX refuses to honor their obligation to protect my interest by confirming that the return policy is 14 days. However, 14 days should begin from the date I picked the item up and not when the store charged me for it. I am requesting a reimbursement of the cost of the jacket which is {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
am writing to formally dispute a late payment entry on my credit report for the account XXXX  that appears on my credit report with your agency. I recently discovered this entry, and I am requesting your assistance in validating the accuracy of this information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

I assert that I was not notified of any outstanding balance of the aforementioned account with XXXX XXXX. According to the FCRA, it is the responsibility of the creditor to provide accurate information and to notify the consumer in case of any outstanding balances before reporting negative information to credit bureaus. I have never received any communication regarding the outstanding balance, and I request that you investigate this matter promptly. 

In light of the above, I kindly request the following information to validate the accuracy of the reported late payment : 1. Verification of the debt : Please provide detailed information regarding the debt, including the nature of the debt, the original creditor, the outstanding balance, and the date of the last activity.

2. Proof of notification : Please provide evidence that I was duly notified about the outstanding balance before it was reported as a late payment to the credit bureaus. This may include letters, emails, or any other form of communication sent to me.

3. Documentation of the late payment : If the late payment is accurate, please provide documentation proving the validity of the late payment, including dates and transaction details. 

I understand that under the FCRA, you have 30 days to conduct an investigation and respond to this dispute. I also request that, during the investigation, the disputed information be marked as in dispute on my credit report, as per FCRA Section 611 ( a ) ( 2 ).

I appreciate your prompt attention to this matter and expect a thorough and accurate investigation. Please send me a written response outlining the results of your investigation and any actions taken to correct or remove the inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Avant Holding Company, Inc.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Avant Credit Card company called me on Sunday, XX/XX/XXXX for possible fraudulent transactions on my credit card. The representative went over the transactions dated XX/XX/XXXX and I reported those transactions as fraud. My card was subsequently cancelled to restrict further use and supposedly a fraud claim was started for the fraudulent transactions ( or so I was told ). I was also given Avant 's phone numbers to call back to inquire about the fraud claims that were filed. 

On Tuesday, XX/XX/XXXX, I called Avant XXXX on XXXX. I spoke with a different agent and he went over all the transactions on my current statement, including approved and denied transactions on XX/XX/XXXX and XX/XX/XXXX. I told him that no transactions made on XX/XX/XXXX and XX/XX/XXXX were made by me. He then told me he had to transfer me to a different department to help with these fraudulent transactions. I then waited more than XXXX hour and gave up as the wait was ridiculous and it was already close to XXXX XXXX Time . My total time on the phone was XXXX hr and XXXX minutes and I was unable to speak with the correct representative. 

Today, Wednesday, XX/XX/XXXX, I called Avant XXXX again this time at XXXX starting at XXXX XXXX Time. I am still trying to reach the fraud department and I have been on hold for XXXX hr and 47 minutes as I write this complaint. 

Also, how do transactions continue to be attempted on my card if the card itself was cancelled on XX/XX/XXXX? And how does a credit card company leave a customer on hold for more than XXXX hr at a time without talking to a representative? 

I am trying to meet the deadline for reporting fraudulent activity on my credit card so I am not held liable for these charges. It seems that Avant is preventing me from meeting those deadlines and is not forthcoming, nor is doing the things they said they would, such as cancelling my card on XX/XX/XXXX as the representative had stated that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have demanded that these agencies remove these accounts from my credit profile. That I did not give permission to be there.

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 2021-03-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Carnival XXXX XXXX XXXX about 5-7 years ago, I paid off a $ XXXX balance about a year ago. I tried using my accumulated fun points, but on XX/XX/2021 I was told by " XXXX  '' the account representative that since the bank had closed my account, I had forfeited my fun points. 
I told " XXXX '' that such terms were not included in my original agreement, and she said " they don't have to, your account is closed. ''

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PLEASE DELETE THESES accounts XXXX ) XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXXXXXX XXXX  account # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX I never gave my permission to furnish any negative accounts. 
Please Delete XXXX XXXX XXXX XXXX XXXX XXXX. Address From my Credit Report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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:
I am writing to dispute the presence of two hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent. 
Inquiry Details : -- TRANSUNION -- XXXX XXXXXX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2022-09-05
Company: Bread Financial Holdings, Inc.
State: GA
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:
I have been charged for an item that I never received from the XXXX XXXX. I advised XXXX that my item never arrived and that the tracking number showed it was delivered to a different location in a completely different state. XXXX told me that they would investigate further into the matter and I have reached out to them many times. I just kept getting the run-around and no response, and now they report late charges to my credit report. This is hurting my ability to buy a home and to seek new employment opportunities. XXXX needs to remove those late payments from my credit report, for a product that I didn't receive due to their negligence. I contact XXXX and they send me to Comenity, I contact Comenity and they send me to XXXX, the whole thing is a charade.

Company response to consumer: Closed with monetary relief