BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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 XXXX XXXX XXXX reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 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 explanation
Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Jpmcb Card date : XX/XX/2021 my credit report was ran without my consent i do not have knowledge of this account please block and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I will mail a complaint to the Utah Department XXXX XXXX XXXX today. I have already submitted a complaint via https : //forms.federalreserveconsumerhelp.gov/. 
On XX/XX/2022, I made a wire transfer of {$29000.00} to what turned out to be a fraudulent XXXX XXXX XXXX account that was intended to go to a title company as a down payment for a home purchase. 
I quickly requested the funds be recalled, and with the help of an FBI agent, have been calling Ally Bank Customer Service and XXXX XXXX departments to get a status update. Every time I call, the reps can only tell me that the case is ongoing. 
Ally Bank has provided inadequate service on this case. I can not get clear responses from the representatives with whom I speak. I have never spoken with the case XXXX directly. No one from Ally has reached out to me for more information or to provide a status update. On XX/XX/2022 I spoke with XXXX at the XXXX XXXX department. He was very uncooperative, did not provide me with useful information, would not provide me with his last name, and could not give me any dates of when this was expected to be resolved. When I requested that he find more information, he said that was all of the information he had. When I asked if I could speak with a supervisor, he said he was only able to transfer me to the voicemail of a supervisor, not a direct connection. 
To resolve the problem, I would appreciate a direct call from the case XXXX XXXX, or someone who is directly working on the case, to provide me with specific dates and times so I know when this case can be resolved.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX XXXX This item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccurate information regarding XXXX XXXX XXXX with TransUnion twice. First on XX/XX/ and second on XX/XX/. I have tried contacting them XXXX XXXX twice and they will not speak to me because I am clearly not the account holder. I am female and he is male. He has also contacted them to straighten this out. Supposedly it is fixed, but the information will not come off my credit report. The account is held by my twin brother and not me.

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 2022-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize.

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 2023-04-13
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: Information belongs to someone else

Complaint:
This complaint is my follow-up prior to my last complaint dated XX/XX/23 to ensure that these items are deleted : XXXX XXXX XXXX XXXX XXXX CA 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 Balance : {$880.00} XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$1600.00}

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. 15 US-CODE 1692E XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

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 2023-09-14
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: Information belongs to someone else

Complaint:
I am writing to express my deep frustration and concern regarding my repeated attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite numerous requests, these issues persist, negatively impacting my financial standing. I urge your agency to take immediate action to investigate and rectify these errors, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies that require your attention for removal : 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 

I have attached copies of documents that support my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

Under the FCRA, I insist that you : Initiate a thorough investigation into the accuracy of the disputed items immediately. 
Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any information that is found to be inaccurate, incomplete, or unverifiable from my credit report. Non-compliance with the FCRA may result in legal consequences, and I trust that your agency will adhere to the law and handle this matter with utmost professionalism. The XXXX, XXXX, and Transunion Credit Bureaus are required to removed the following mentioned items above.

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 2023-02-13
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:
XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2017 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXX # 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. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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: Account status incorrect

Complaint:
I requested that the company delete all negative/adverse charge offs late payments and collections from my credit report due to the companys direct violation of federal law 15 ISC 1681 ( A ) ( 2 ) ( I ), 15 USC 1666 ( b ) and 15 USC 1692 ( g ). These companys are using abusive deceptive practices causing an adverse impact to my reputation and consumer 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 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 2023-10-18
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:
Requesting block of information : account : XXXX See attached

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 2023-04-13
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:
According to the FCRA TransUnion has violated my rights 1. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is TransUnion reporting XXXX  30 days in late XXXX  60 days in late XXXX XXXX 90 days in XXXX XXXX 60 days and XXXX XXXX 90 days late Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days? 
2. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is TransUnion reporting XXXX  30 days late 60 days late in XXXX  XX/XX/XXXX90 days late 120 days in XXXX & XXXX XXXX 120 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days. 
3. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX XXXX XXXX XXXX How is TransUnion reporting on-time payments until XX/XX/XXXX 30 days late XXXX  30 days late XXXX is 60 days late XXXX is 90 days late XXXX is on-time XXXX is on-time XXXX is 30 days late and XXXX is 60 days late Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days. 
4. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX XXXXXXXX XXXX How is TransUnion reporting XXXX XXXX 120 days late XXXX XXXX 120 days late then until XXXX XXXX 120 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 5. Transunion has been falsely manipulating the statute of limitation which is an FCRA violation. 
This account has a discrepancy in the payment history section of the listing ; XXXX This charged-off account is reporting payment history each month when should it not since the account has been charged off

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 2021-09-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I opened a bank account at suntrust. They decided to close my account with no valid reason I had XXXX dollars in it. And claimed it was fraud.

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 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy in there files. I sent the results of the investigation to Transunion on numerous occasions and they responded XXXX file # XXXX verified as accurate. How can Transunion verify information that does not exist in the data furnisher files, letters enclosed. Transunion seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending a computer generated response.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-13
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: Information belongs to someone else

Complaint:
This complaint is a follow-up to my previous complaint that contains this erroneous account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wan the account to be removed to my file immediately, it is fraudulent and misleading

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 2022-05-23
Company: Experian Information Solutions Inc.
State: TX
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:
We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking XXXX XXXX This is against the FCRA regulations.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered 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 investigate and correct for erroneous reporting in my file and are listed on my credit report : 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