BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Records are still outstanding to this dispute and act or action of FRAUD. 

To Whom This May Concern : I need a formal written communication letter from XXXXXXXX XXXX XXXX legal department showing that such regulations in the XXXX XXXX XXXX Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such. 

I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA FORM XXXX XXXX XXXX I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. XXXX has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. XXXX XXXX XXXX Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. 

These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. 

I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... 

Sincerely, 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 2023-11-15
Company: RSH & Associates, LLC
State: KS
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 received in the mail a notice that my account had been sent to collections. This was the first and only correspondence about the bill going to collections. I received no call from the company or any emails from the company. This was the first thing I get. they gave me no time to correspond with them about making any arrangements or trying to find out information about the cause of lateness. I feel this could have been avoided if they had taken the time to reach out to me. They had all my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: NJ
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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I report the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete these items as possible as per 15 U.S. Code 1681 c-2

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 2023-05-10
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2023-11-22
Company: Experian Information Solutions Inc.
State: NJ
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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-14
Company: Experian Information Solutions Inc.
State: GA
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 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 XXXXXXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602A.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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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 am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 


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 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 2023-11-24
Company: Experian Information Solutions Inc.
State: PA
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 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. 


Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account 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 2023-06-20
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The original creditor is XXXX XXXX XXXX XXXX. The collection is in regards to a membership that I requested to have canceled due to a dangerous situation that happened at the amusement park. I reached out to the corporate office and was completely disrespected and talk to the email as if they just didnt care about the situation. They place the account into Collections. The collection agency is CACI. I reached out to the collection agency to explain to them that I havent even had a fighting chance to resolve this matter, directly with XXXX XXXX, and at this point they are reaching out to me in regards to the collection, and I did not get a fair chance to fight this with the original creditor. The membership was to be paid for the full year each month but because I requested to cancel the membership because I did not feel safe with my family and I going to the park any longer. They told me that did not matter and theyve upped the security, and thats all that does matter. I explain to them that its not fair to have to pay on a membership when I have no intentions and have not been back to the park since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sent my wife money when we where on vacation through XXXX XXXX on XX/XX/XXXX and 2 months later my bank USAA allowed XXXX XXXX XXXXo take XXXX dollars from my account when USSA never had any part of and on top of that they took it with a point of sail of XXXX my daily limit at that time was XXXX and they never let me put anything on XXXX XXXX with out declining it first as fraud projection. I have worked with USAA for several months now even showed them proof of XXXX XXXX not returning are money, seems like all the ones I talk to understand and want to issue us the credit but then when its turned over to next in line they tell me we cant open the claim back up. I have asked several times for the name who authorized the theft of out money but no one will reveal the name so we can call authorities immediately, I have exhausted every attempt with USAA and they do not want to deal with me anymore

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-05-10
Company: CITIBANK, N.A.
State: AK
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 balance transfer

Complaint:
Last XX/XX/2023, I applied for a balance transfer from Citibank XXXX XXXX Card to XXXX XXXX using the citibank 's mobile app. In the app, I can either enter the card number or scan the card where I will have to transfer the balance from and so I chose scan card to make it quick. After I click scan, it automatically send without showing the account number where the balance will be transferred. I thought that the account number that was registered during the scan was correct. So I waited for a day and it was approved on XX/XX/2023. So I checked my XXXX XXXX credit card if it showed the balance transfer but it didn't so I chatted the citibank online bot and it said I need to wait for a day or two to reflect. So on XX/XX/2023, I called the customer service to inquire about my balance transfer why I was already charged in my citibank account but it didn't show in my XXXX XXXX card. So the agent checked the account number where the balance was forwarded but he found out there was an error in the number. I tried asking for the account number, he did mentioned a 9 instead of a 6 but I am not sure. So, I requested for a reversal of the balance transfer. He said they will conduct an investigation and that they will contact XXXX XXXX, too. I have tried calling several times and every time, I have narrate what happened and that they will again tell me that they will initiate an investigation but until now, it wasn't resolved. 
The balance transfer was in the amount o f {$1500.00}. I hope you can help me get back the amount back to my Citibank credit card. I tried asking other agents to provide me the wrong account number where the balance was transferred but Citibank customer service said they could not provide the account number where I have sent the balance. They are reluctant to help me get the amount back to my account in Citibank. I called AMEX but they said, they could not help me because it is not showing in my AMEX account and that only Citibank can help me because they are the only one who got the wrong XXXX XXXX account number where my balance transfer was sent to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Millco Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had written a letter to Amerifinancial sent it registered so they had to sign for it. They did not reply to my letters they got the letter on XX/XX/2023 and is now XX/XX/2023. I gave them plenty of time to reply I was asking for proof that it was my debt and nothing. This is not the first time attempt with them. I am wanting this deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Ray Klein, 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:
I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with Professional Credit Services. They did not provide me with the original application like i asked.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is regarding the Texas B-On-Time Student Loan. I have never received a monthly statement since I graduated college in XX/XX/XXXX. I have made a couple of payments towards the loan, only because it hit my credit report in XXXX when I pulled the report, and I called them and try to work things out. Ive lost my job a few times since graduation ; in XXXX, XXXX, XXXX and recently in XXXX, and during these times I am extremely focused on getting back on track with work. Texas Higher Education Coordinating Board has never sent me a monthly statement, so when I resume work I have other things the occupy my time and mind, so I completely forget about things that arent right in front of me. I make on-time payments towards my federal student loans, and every bill and credit card I have, and thats mainly because they make sure to send me monthly statements. I have requested that the Texas Higher Education Coordinating Board send me copies of any prior statements they may have sent in the past, but they can not seem to find a single statement. I have changed apartments a little bit, but I always send a forwarding address, and have never received a single bill whether paper or electronic. Now I see that they are hitting my XXXX credit report with late payment notations since XXXX, but can not seem to provide me with a bill they have sent prior to that.

Company response to consumer: Closed with explanation