BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX Transunion XXXX XXXX and XXXX have violated my rights as a consumer under FCRA 15 U.S.C. 1681e ( b ) " ( b ) Prompt reinvestigation of disputed information. After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In essence, 15 U.S.C. 1681e ( b ) requires the following : When a consumer disputes the accuracy or completeness of information on their credit report, the consumer reporting agency ( CRA ) must conduct a prompt reinvestigation. 
The CRA must complete this reinvestigation within 30 days from the date it receives the dispute notice from the consumer or reseller. 
The CRA must determine whether the disputed information is accurate and must update the consumer 's file with the current status of the disputed information. If the information is found to be inaccurate, it should be deleted. 

If the CRA can not verify the accuracy of the disputed information during the 30-day period, it may be required to remove the item from the consumer 's credit file. 

Please see attached copy of reporting errors still on my credit report there are multiple violations and I demand this account to be deleted from my credit report. 
Listed below are the inaccurate information. 
1. Full account number not provided.

2. Account status different across all 3 agencies.

3.High Credit -incorrect 4.Date Opened -incorrect 5.Date of last activity -incorrect 6. Last Reported date-different across all 3 agencies.

7.Comments-different across all 3 agencies.

8. Account status I demand this account to be deleted or face legal actions.

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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Transunion has refused to process my disputes for over 6 months now, I've sent a dispute every month. Last month, I changed the address to a new one listed on their website and it was returned undeliverable. It was been more than 30 days, I expect them to delete all the inaccuracies from my credit report. How does the credit bureau publish a dispute form and address on their website that is completely false? This should be absolutely illegal! 

Transunion : XXXX. XXXX XXXX, XXXX, CA, XXXX Attachment : Dispute form from Transunion 's website with this address on it!

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 2023-09-05
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXlance : {$250.00} ; XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$1500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4000.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2023-03-01
Company: FEDChex Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I purchased a textbook rental for {$110.00}. On XX/XX/XXXX, I submitted an order to purchase the payoff amount for the textbook for {$100.00}. These two purchases total {$220.00}, which was the full purchase price of the textbook. According to my records, the payoff amount of {$100.00} was already remitted to the XXXX XXXX XXXX XXXX XXXX. However, on XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX attempted to charge my account {$260.00} for this same textbook, which is egregiously erroneous. On XXXX XXXX XXXX  FCR Collection Services sent an email stating that the XXXX XXXX XXXX XXXX XXXX is its client and that the email is an attempt to collect a debt and any information obtained will be used for that purpose. 

Between XX/XX/XXXX and XX/XX/XXXX, FCR Collection Services identified my account number as XXXX. Then, the account number changed. Between XX/XX/XXXX and XX/XX/XXXX, the company identifies my account number as XXXX. These alterations in identifying my account with XXXX XXXX XXXX XXXX is misleading and a possible violation of fair collection practices. For example, if I paid an amount under one account number, FCR Collection Services may turn around and double charge under a different account number. 

According to my present understanding, I can not trust the credibility of FCR Collection Services to settle this disputed amount. Furthermore, I can not trust XXXX XXXX XXXX XXXX XXXX to settle this disputed amount because it attempted to charge {$260.00} in addition to the {$110.00} that I already conveyed to the XXXX XXXX XXXX XXXX XXXX. 

Therefore, I request a good faith management of the disputed amount pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: GA
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:
Upon checking my credit in XXXX of 2021 and noticed that I had a collections and charged-off accounts on my credit report that I never opened. I contacted the credit bureaus via writing to let them know that I was an victim of identity theft by sending them the FTC Fraud Affidavit as well as a copy of the police report to indicate this. Despite these numerous attempts, the bureaus will not delete these delinquent accounts from my credit reports harming me financially. My ability to gain credit is destroyed! 

I want this error fixed IMMEDIATELY! This accounts needs to be updated in their office, and they need to notify XXXX XXXX that the account is closed and to have all reporting to credit agencies deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions 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:
In accordance with the law 15 USC 1681i ( 5 ),, inaccurate or incomplete information can not be provided in my credit report, I have found that late payments in the XXXX XXXX XXXX account numberXXXX are inaccurate in all 3 bureaus of credit, according to law 15USC 1681e ( b ) there can not be incomplete and inaccurate information in the 3 credit 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 explanation
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
State: AL
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:
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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
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 a account without written consent.

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 2021-07-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have previously reported the following XXXX transactions totaling {$13000.00} to USAA as fraud : XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XXXX XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$100.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$400.00}. 
XX/XX/XXXX - {$200.00}. 
XX/XX/XXXX - {$200.00}. 
XX/XX/XXXX - {$250.00}. 
XX/XX/XXXX - {$300.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$250.00}. 
XX/XX/XXXX - {$100.00}. 

For USAA to say that these transactions are not fraud is completely wrong. Please pay attention to the words and documentation that I have submitted in this complaint. During these dates I was serving my country on a XXXX in the depths of the ocean with NO access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a XXXX during these dates. I went on XXXX on XX/XX/XXXX and prior to that I had called XXXX XXXX XXXX  to suspend my cellphone service. The person who defrauded me had called XXXX XXXX XXXX after I had left for XXXX and she convinced XXXX XXXX XXXX to keep my cellphone service active WITHOUT my consent. This allowed her to receive text messages from USAA and allowed her to change my passwords all while pretending to be me. I have attached my XXXX XXXX XXXX usage report during these dates. You can see that text messages from USAA ( SMS code XXXX ) were received starting on XX/XX/XXXX most likely allowing her to have my personal information and passwords changed while I was on XXXX. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a con artist / serial defrauder. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and so far XXXX XXXX  and XXXX XXXX XXXX XXXX has recognized that I was defrauded and they had their bank 's entries deleted from my credit profile. Furthermore, she also sent money to her daughters from my XXXX account totaling {$7200.00} while I was on XXXX. XXXX has recognized that I was defrauded and had those funds returned to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
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:
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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
Consumer complaint received 2023-09-05
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-09-05
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX  XXXX  XXXX Balance : {$460.00}

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 2022-03-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
important : my email is stolen, as i have proof, so I will follow-up to my complaint via phone. 
so ... IF YOU RECEIVE ANY CONTACT IN ANY WAY FROM A PERSON IMPOSTERING ME, PLEASE IGNORE I WORK as a XXXX  XXXX XXXX XXXX XXXX where i have proof some of the below have felony hacked my school email address and endanger children, and want to do felony crime against Chase Bank and XXXX and XXXX XXXX Chase Bank has my mortgage and I have been paying for years. I have complained to them in writing that I WILL NEVER REFINANCE OR DO ANY OTHER LOANS. However, I have documented identity theft and the following people are trying to steal my home mortgage, do a criminal felony refinance. etc. 
Today, while Chase is investigating who is doing imposter for signing me up for loans. 
I HAVE TOLD THEM TO STOP OFFERS, YET THEY KEEP SENDING OFFERS, which i got another one in the mail. WE DO HAVE POSTAL MAIL THEFT BY THE BELOW FAMILIES : XXXX, XXXX, AND XXXX. 
My mail is stolen, tampered with by the same people who are trying to do financial fraud against Chase and XXXX and XXXX XXXX. The CRIMINALS are XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( related to XXXX ) OF XXXX, XXXX XXXX ; XXXX XXXX XXXX ( related XXXX ) ; XXXX XXXX OF XXXX XXXXXXXX XXXX  ; XXXX AND XXXX XXXX OF XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX family lives in XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  ; XXXX XXXX ( man ) XXXX, XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX XXXX, XXXX, and other associates, XXXX XXXX and XXXX XXXX of XXXX of XXXX with XXXX XXXX, XXXX ; and other associates. The main conspirators may be : XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX and XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX Account # 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 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 2023-02-20
Company: EQUIFAX, 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 an 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my account and saw that there were inquiries that were not validated nor authorized by Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity has been stolen. I got a letter tonight saying a loan has been denied I never applied for at Bank of America, and then i checked my credit report and they tried to open multiple credit cards with XXXX, XXXX XXXX XXXX & XXXX XXXX. I am so stressed out about this and have no idea what to do.

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 2022-02-18
Company: RevMD Partners, LLC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I give authorization for the cfpb to move forward with this compaint as the following company have invaded my privacy and XXXX by obtaining my medical records. Please see the attached documents as it contains the full complaint and my request.

Company response to consumer: Closed with explanation