BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 2023-12-07
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 a victim of identity theft. I've recently learned that my personal information was used to open up multiple accounts at different companies. I did not open or authorize this account and I therefore request that they be removed 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. 
Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. 

I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track removal of the inaccuracies from my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I emphasize the urgency of this matter and the significant impact it has on my financial well-being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file 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 2023-08-08
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: Credit inquiries on your report that you don't recognize

Complaint:
ive recently checked my consumer report and noticed that there were a few unauthorized inquires that I did not apply for nor gave consent to anyone, these inquiries are fraudulent and needs to be blocked and removed according to 15 usc 1681c-2-a ( blocking information resulting from identity theft ) also this dropped my credit score where on of my credit cards limit dropped due to my score decreasing from those inquires in question, Inquiry 1.XXXX XXXX XX/XX/2023 Inquiry 2.XXXX XXXX XXXX  XX/XX/2023 Inquiry 3.XXXX  XXXX XXXX  XX/XX/2023 Inquiry 4.XXXX  XXXX XXXX  XX/XX/2023 according to fcra 15 usc 1681n- willful non compliance-15 usc 1681n ( a ) ( 1 ) ( a ) any actual damage sustained by the consumer as a result of the failure damages not less than {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX card is only on my experian Report. It was disputed a long while back. Does not appear to be on any other report but experian. I have called and disputed this, I have mailed letters to experian with no resolve. Says fate opened XX/XX/XXXXand was updated after my dispute with experian as of XX/XX/XXXX.this is not my account and experian has never resolved this nor looked into gnus to show it belongs to me and experian will not dispute it nor have they tried. My credit report number is 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 2024-01-05
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:
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 2024-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Recently, I opened a Bank of America 's ( BOA ) Travel Rewards VISA card for my international trips. However, every transactions outside the US instantly locked the card. For example, a {$6.00} usage at XXXX in XXXX, XXXX triggered the lock. 
Every time I have to spend 15+ minutes of waiting time to reach BOA for unlocking the Visa card.

I was told to log into the BOA mobile application locally before using the card but the tip has been proved useless. 
Hence, the Visa card has been locked many times and totally useable abroad. The whole purpose of this card is for overseas traveling.

I have spent days and hours everyday to reach BoA Fraud department to unlock the card. What a waste of time it is for everyone. Not only BoA can't provide a solution, but at the end they ask me to visit a local financial center with two photo IDs to validate myself. I am afraid they will ask me to fly to BoA 's HQ to validate myself. 
This is outrageous as all my domestic use of the card has no issues whatsoever. If BoA dislikes my foreign usage of the Travel Rewards VISA, why do they advertise falsely? BoA 's fraud detection algorithm is a harassment to the customers. 
I have XXXX XXXX XXXX and it works flawlessly. Please prevent BoA from advertising the Travel Rewards VISA falsely. It's only a XXXX XXXX. 
This is not the first time I notice unfriendly practice of BoA credit cards. When my son obtained a college Visa card the past summer. He couldn't use the card for the first month, we had to call many times in vein. And we visited a branch office at the end to make it work. BoA never puts customers ' interests in top priority.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 demand you excluded ALL XXXX XXXX XXXX XXXX transactions/experiences from my consumer report immediately. The status, late payments are all transactions/experiences. According to 15 USC 1681 a Definitions ; Rules of Construction ( 2 ) Exclusions- Consumer Report- DOES NOT INCLUDE- ( A ) ( i ) Reports containing information solely as to transactions or experiences between the CONSUMER AND THE PERSON MAKING THE REPORT, also 15 USC 1666b Timing of Payments ( a ) time to make payments- a creditor MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE also 15 USC 1682b- Permissible Purpose of Consumer Report 15 USC 1681eb Maximum Accuracy Shall be Reported! I have disputed on numerous occasions that XXXX are constantly increasing the amounts which is effecting my credit score on a monthly basis and making it look as if the charge off had just occurred for that month, which is inaccurate reporting, how does amounts change on a dormant account? All the XXXX transactions and experiences need to be excluded from my 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 2024-01-05
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: Information belongs to someone else

Complaint:
see all letters 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 2023-08-08
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX, EQUIFAX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In according with the fair Credit Reporting Act 15 USC 1681 & Fair Debt Collector Practices Act 15 U.S.C 1692 XXXX, my rights have been violated my rights. 

Negative Accounts 1 ) XXXX XXXX # XXXX XXXX  XXXX ) XXXX # XXXX ( Never Late ) 3 ) XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602.A : states I have thge right to privacy.

15 U.S.C 1681 section 604 : It also states a consumer reporting agency can not furnish a account without my permission.

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 2019-10-19
Company: Servatus Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year I make monthly payment agreement of {$50.00} with the company Credit Solution Corporation for the total of XXXX. My first payment was {$3500.00} and after that I has pay {$850.00}. According my agreement my real balance is {$800.00}. Today a receive a letter from the company " All previous attempts to resolve the account have failed ''. I do not understand why the information of my account is not up to date. The agent that have my case for the agreement is the same agent that send me the letter. I also call previously to report the amount show in the account was wrong and the agent said they can not change the amount until the total agreement amount is pay in full. To my understanding I do not need to call them if I am making my payment on time. I am very frustrated and disappointed. This is not the first time this company has intent to take advantages me. The first time a get in contact I submit a complaint because they tried to imitate and threaten me. The only reason I was able to make an agreement with them was because a report their intimidations and threaten to you. Now that I almost pay off my balance agreement its feel like they are trying to intimidate me again to pay more that the agreement balance had make with them months ago. I feel my consumer right again. Companies like CSC that like to play games to the consumers must be fined for their acts. Because like a said the only reason I was able to resolve my problem was because a report them. But what happen to does customers that they do not have the resources to look for help. I can not wait to finish my payments, I will do not need to deal with this company any more.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: DC
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:
XXXX  is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. XXXX  discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. XXXX  did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. XXXX  lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue XXXX  and its board members for malfeasance. XXXX  also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. XXXX  is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my equifax and XXXX  reports. I have reported XXXX  to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. XXXX  KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. XXXX  is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. XXXX  ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.TRANUNION DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE EQUIFAX AND XXXX  DID. DO NOT SEND THIS COMPLAINT TO COOLINS ASET MANAGEMENT, XXXX WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! XXXX  AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY. These have been in reinvestigation for three months, I need this to be closed out and taken off an to let me know the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion has reported 9 hard inquiries on my report in XXXX and it is Not true ... now XXXX XXXX has dropped my score as well.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: NJ
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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In the course of reviewing my credit report, I spotted an inaccurate Public Information that need reporting and correction through your company. 

I have attached the copy of my dispute letters that were sent it to the Bureaus.

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 2024-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results

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 2024-01-05
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:
On XXXX, and XXXX XXXX account stating my business called XXXX XXXX XXXX XXXX owes monies is fraud!!! 
XXXX was the account, also XXXX sends a XXXX of the account {$0.00} balance as of XX/XX/2024

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 2024-01-05
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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