BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
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: Reporting company used your report improperly

Complaint:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove, XXXX XXXX account ( s ) # XXXX and the other account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
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: Reporting company used your report improperly

Complaint:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove, XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX from my consumers report, this payment is being reported twice within another XXXX XXXX account XXXX dated the same year and month, I was never late on this self-lender account. This is against FCRA to have XXXXwo of the same payment reporting on two different accounts I have never been late. 

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. 
As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission.

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 2023-10-28
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:
This is my second time asking for TransUnion to remove this inquiry XXXX 15US code 1681 n Infamis of pulls or unauthorized account that is not mines.

As a consumer by law this must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have involved and sent this letter to XXXX, Attorney General Office and Fair Trade Commission.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. I am never been late on this account.

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 2023-05-06
Company: SYNCHRONY FINANCIAL
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, I have had my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CITI BANK 15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat o 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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
I submitted validation of debt for this particular account and I never recieved validation or verification within the timeframe allowed by FCRA

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 2023-08-16
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: Information belongs to someone else

Complaint:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
15 USC 1681 Section 602 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 I started receiving emails from Bank of America stating they received my application and my account was approved. 

I have several accounts with Bank of America and was concerned. I called them immediately and they advised they can not see anything on their end. 

On XX/XX/2023 I received more emails stating my email address has been changed. I immediately went to a bank branch and they looked up the account and said there was a checking account opened in my name with my social security number, address and the email address was changed from my actual one to a different one. They told me that I needed to contact their fraud department. 

I contacted their fraud department on XX/XX/2023 and they advised they closed the account due to fraud. 

I have since been receiving debit cards in the mail and statements ( XX/XX/2023 ) which leads me to believe it hasn't been closed. I want this account closed. I have received nothing from Bank of America indicating it has been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX  account # ending in XXXX from XXXX and account ending in XXXX from XXXX and TransUnion has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX account # ending in 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 601 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction

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 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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, I have had my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX Capital one XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat o 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 2023-08-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have opened a checking account with Truist Bank ad the were offering a {$400.00} bonus for XXXX customer. By using promo code XXXXXXXX. I maintained my account current and met the requirements of having direct deposits of more than XXXX after opening. Today I was told by a supervisor that my account was never enrolled in the promotion and even tho I qualified was not going to receive such promo.

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 2023-10-27
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:
I looked upon my credit report and discovered this accounts that need to be deleted

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 2023-04-15
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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.

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXX. I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Id like to consider these all identity theft because, I am not aware of any of these inquiries and didnt give my information to anyone to in any sort to perform any activities in this sort.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-11-13
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I requested a ( long form - vault copy ) of my XXXX birth certificate. I was encouraged to use an online service. Which is endorsed by the XXXX Vital records department. ( VitalChek ). 
During the verification process I was asked a series of VERY Specific questions about my history. One question asked about a bank loan/court/mortgage WHICH I HAVE NO KNOWLEDGE of. I asked VitalChek about this mysterious question. They said these questions are public record. Whats my next step? It sounds like fraud or bankruptcy. 
Please note : I am not upset with the vendor. I want to find out more about the record. 

How do I research this further? Currently, I am in XXXX. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I signed up with XXXX to aid me with credit card and payment transactions for my small business. A client paid his invoice of {$4300.00} on XXXX using their ACH option. I was notified that the process would take 2-5 business days and to expect the funds on XX/XX/15. At approx XXXX on XX/XX/15 I received an email from Square that they needed more information to process the funds. I complied by answering another 15 questions. Downloading business invoices, my DL ( again ) my banking information ( again ), corporate docs, etc... Then at XXXX I receive another email that my account has been deactivated. Just like that. I called to find out what was happening and was told they couldn't tell me anything by law. My account was locked up. The funds are unable to be refunded to my client. The told me they have the " right '' to hold the money for 90 days. I have tried to refund the money back to my client, can't do it because my account isn't active. So. The {$4300.00} will sit in Square for 90 days and then I have no idea what will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I called and spoke to a representative regarding our mortgage PMI insurance. We wanted to have our home value reviewed to be able to get out of PMI. I was told by the representative that I would need to submit an email to XXXX to begin the process. The representative stated we would hear something back within 7 days. We waited over 30 days and called back to follow up on XX/XX/2023, and I spoke with XXXX. She advised that she would escalate the situation to a XXXX and would also send an email following up on the request and we would hear something back within XXXX hours. By XX/XX/2023, we still had heard nothing back so I called again and spoke with a different representative. I was told the same information, that they would escalate to a XXXX and follow up on the request. As of today, XX/XX/2023 we have yet to hear from anyone at Truist. We have received no calls, no emails, and no mail. I find these practices to be unfair, and believe Truist is only doing this to keep us paying additional money while our home value has increased and we could likely be out of paying PMI.

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: ADP Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/23 through XX/XX/23 someone ( or multiple people ) have been using my bank card. It is a Wisely card that has been given to me through my agency I am employed with. Most transactions were through XXXX. The bank is XXXX XXXX bank. Different names were showing under these transactions : XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. {$1200.00} is the exact amount that was taken in increments of {$1.00}, {$2.00}, {$5.00}, {$10.00}, {$20.00} multiple times. They made small transactions that led to larger ones as shown in my transaction history. I am currently awaiting the paperwork that shows every transaction from the customer service department at Wisely. I have a case number open : XXXX. Any additional information needed, please contact asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: AUSSRQ Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Oliphant USA Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( XXXX ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Oliphant USA never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

Company response to consumer: Closed with explanation