BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX I checked my credit via credit monitoring website to apply for a credit card and became aware of multiple credit accounts that were opened in my name, fraudulently without my permission. 
I spoke with the 3 major credit bureaus whom advised me to file an identity theft report. 
List of accounts opened fraudulently are as follows. 
XXXX XXXX XXXX XXXX account # XXXX - {$5600.00} XXXX. XXXX XXXX bank XXXX account # XXXX - {$0.00} XXXX. XXXX XXXX account # XXXX - {$0.00} XXXX. XXXX account # XXXX - {$240.00} XXXX. XXXX account # XXXX - {$3100.00} XXXX. XXXX XXXX XXXX account # XXXX - {$16.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) account # XXXX - {$240.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) account # XXXX - {$120.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) account # XXXX - {$130.00} XXXX. ( XXXX XXXX : XXXX XXXX ) account # XXXX - {$130.00} XXXX. XXXX XXXX account # XXXX - {$170.00} XXXX. ( XXXX XXXX : XXXX XXXX ) account # XXXX - {$130.00} XXXXXXXX XXXX account # XXXX - {$0.00} Unauthorized Credit Inquiries : I also dispute the following unauthorized credit inquiries on my credit report : XXXX XXXX XXXX Credit Card - XX/XX/XXXX XXXX - XXXX Credit Card XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks - XX/XX/XXXX XXXX XXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - Personal Loan Companies - XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX - Sales Financing - XX/XX/XXXXXXXX XXXX  - General Contractors - XX/XX/XXXXXXXX XXXX XXXXXXXX - Bank XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Commercial Banks - XX/XX/XXXX XXXX XXXX - Miscellaneous Banks- XX/XX/XXXXXXXX XXXX XXXXXXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - General Contractors - XX/XX/XXXX XXXXXXXX XXXX - Bank Credit Cards XXXX XX/XX/XXXX XXXX opened without my authorization as well as multiple credit inquires

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 2023-01-26
Company: Receivables Management Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS US NOT A DUPLICATE COMPLAINT! 

This company has not provided an appropriate response to my complaint. This company simply copied and pasted their original response. The company did not address the XXXX items I specifically requested in accordance with the FDCPA. 

My complaint specifically addressed the issue of XXXX compliance between the original creditor and the debt collection agency. The original creditor has NOT provided a copy of the contract that indicates my permission to release my medical information to a third party. 

I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. 

Therefore my request is twofoldvalidation of debt and XXXX authorization. XXXX ) Please provide breakdown of fees including any collection costs and medical charges. XXXX ) Provide a copy of my signature with the provider of service to release my medical information to you. XXXX ) Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed in this complaint and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 

I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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: Account status incorrect

Complaint:
On XX/XX/2020 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX for {$100.00} opened on XX/XX/2020 for {$100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My husband and I have a XXXX XXXX that is our only source of income for our family. We have XXXX Bank of America business credit cards with Bank of America. Until recently we have always been able to make our payments on time. On XX/XX/XXXX BOA withdrew {$2700.00} out of our checking account to pay CC # 1. This setoff payment included the minimum amount due for XX/XX/XXXX. On XX/XX/XXXX BOA withdrew {$4000.00} for CC # 2 and left us with less than enough to cover our rent, payroll, or any living expenses. We have tried working with the bank and they will not return the money. Our deposit agreement with the bank says that setoff payments will not be used to pay credit card payments. I certainly don't want to default on any balances due, but not sure how I can recover when I am not able to pay my mortgage, utilities, payroll, minimum payments for other balances or provide food for my XXXX children when over XXXX XXXX  was withdrawn unexpectedly. I understand BoA would like their past due money. But without the money in our account we are not able to get products needed to finish orders that would put more money in our account that would produce the ability to make our payments. Any assistance would be greatly appreciated. We were not given any notice of these deductions.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$850.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 2023-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 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

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 2023-01-03
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name -XXXX Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Transunion, XXXX  all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?

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 2023-11-03
Company: EQUIFAX, INC.
State: IA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-10-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Each month I wire out about $ XXXX for my XXXX father 's XXXX board and care. Every few months I go to his bank and get a cashiers check for reimbursement. 

XX/XX/XXXX A cashier 's check from XXXX XXXXXXXX XXXX  was deposited into my Chase Checking account via ATM in the amount of {$17000.00}. Prior to my deposit my account balance was around {$3000.00} XXXX The hold was cleared and I paid bills in the bank mobile ap ( about {$3000.00} ) and sent a wire via mobile ap ( about {$7000.00} ) XXXX Went to bank ATM ( at bank ) to withdraw {$2000.00} to pay construction workers at my home. I was unable to withdraw funds and my access to online banking was frozen. I spent 4+ hours at the bank trying to ( and successfully resolving the hold ). I had to pay the workers at my home for an extra hour because they couldn't leave until they were paid. 

XXXX The USPS delivered a letter alerting me to an issue with my deposit and that if I didn't contact Chase immediately they would close my account. 

XX/XX/XXXX Access to my online banking still wasn't resolved and I had to make another phone call explaining the issue again. When asked " why didn't chase contact me? '' I was told that it was all automatic and the onerous was on ME to contact them to resolve the issue. How was I to contact them when I didn't know there was an issue- until the issue was big? 

My husband and I specifically got a cashier 's check from XXXX XXXX so the there wouldn't be a long hold time. I was treated like a thief in the bank AND on the phone. 

I can understand issues with fraud, but I can't understand why I didn't receive a text or phone call alerting me of the issue. I also can't understand why they needed to speak to me before contacting the issuing bank institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I obtained my credit report and and on XX/XX/XXXX I asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited XXXXdays and as of XX/XX/XXXX The consumer reporting agencies XXXX, XXXX and Experian have not responded nor did they remove anything. 

Per the law U.S. Code 1682a : Definitions, rules of construction, The term investigate consumer report means : A consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete the 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 2021-08-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
9 collection accounts were added work of XXXX, doing my credit score, which was already inaccurate, then ( 8 ) were removed in XXXX of XXXX, score never change back up, the, ( 9th ) was removed XXXX this year and it dropped ( 5 ) more points, some have changed the balance and the last payment dates ( XXXX  XXXX XXXX XXXX ), XXXX  closed my secured card of {$800.00}, {$200.00} had been spent of it in XX/XX/XXXX, I was it phone with fraud department, as it was being breached while they were working on it, at that point I asked for a freeze on the card, next thing I know it was in collections for {$480.00}, I had my own {$800.00}, they won't take it out of collections and return my money, no reason given, bunch of run around. XXXX XXXX XXXX has had a lot of funny business going on with my account and credit cards, extra high balances and payments for the card limit to be only {$600.00}, I asked in branch and can get no staying where even after didn't them on my credit report through XXXX, broke down details. XXXX XXXX XXXX, had me in collections for {$650.00}, I disputes it knowing I owed nothing, they removed {$600.00}, but let {$58.00} in, no reason given. XXXX  REPORT ARE INACCURATE, Phone numbers keep getting changed on personal data, making it hard to be identified with XXXX  XXXX  XXXX XXXX, but showing a lot of negative on report along with inaccurate data. XXXX has a medical bill that shouldn't be there. XXXX  with WOW, XXXX, I have had these services, don't owe anything, not showing on XXXX, but it is on the other 2, Please help, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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: Information belongs to someone else

Complaint:
I ask you to remove and delete forever the accounts that are not mine. I am very XXXX became a victim of identity theft and can not do anything in order to remove these fake items. I am kindly asking you to move towards resolution of my situation and help me to remove these items. Please I rely on ur help

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 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It appears on my credit report through ( rental credit and the XXXX, XXXX and transunion.com that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XXXX. but they keep reporting this 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