BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: DE
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 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 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 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own a small business and cash slow is crucial for me. I have deposited two checks in the last two weeks and both of them have been retained affecting my business, vendors and employees directly. One of the checks for {$10.00} deposited on XX/XX/XXXX will be available until XX/XX/XXXX. Initially the 30 % was supposed to be available two days after, but after they changed the times with no reason. The second check for {$1.00} which is a very small amount was deposited on XX/XX/XXXX and also will be available until the XXXX. I called Bank of America multiple times I even went to the office and they will not solve the problem or provide a valid reason for the retentions. I am 2 weeks past due my XXXX bill because I have not been able to use my money.

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 2023-01-26
Company: Medical Data Systems, Inc.
State: PA
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:
This company appears to be a debt collector and has 2 entries on my credit report with all 3 credit agencies ( XXXX, XXXX and experian ). 
XXXX ) a contract does not exist between XXXX XXXX and Medical Data Systems , Inc . 
XXXX ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
XXXX ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
XXXX ) this is causing damage and constitutes identity theft because Medical Data Systems, Inc.has never been authorized to act on my behalf through any power of attorney. 
XXXX ) Attached is a formal legal/lawful notice that Medical Data Systems , Inc. is in breach of copyright. Remove all data from the credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I ordered two XXXX watches from the online store express and the watches never arrived. I called express a month after I noticed the watches havent made it and the representative XXXX told me to give it a little time due to the coronavirus delaying mail routes. Another month and a half passed and still no watches. After countless email sent to XX/XX/XXXXXXXX and comenity bank I was told I could not receive a refund and I had to still pay for the good even though I never received them. How is that legal? How is that fair, on top of that they are giving me late payments on the account and I havent even received the items. This is bullying and must be stopped they are taking advantage of me. Please reach out to them and Attorney General.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had great payment history with this card ever since I have opened it XX/XX/XXXX. I paid the account to XXXX on XX/XX/XXXX, and have since been receiving late fees as well as delinquent credit reporting for this card for fees that are being added to my {$0.00} balance making it appear that the account is delinquent. My available balance was also decreased in XX/XX/XXXX from XXXX to XXXX which also negatively impacted my credit score. I have not made any new charges to this account since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
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: Public record information inaccurate

Complaint:
My name is XXXX XXXX and I am personally writing this complaint. My consumer report shows that I have a collection account from XXXX XXXX which is now owned by XXXX XXXX, account number XXXX. This is in CLEAR violation of federal HIPPA laws as well as the FCRA. 15 USC 1681b ( g ) 1 ( A ) A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless the consumer affirmatively consents to the furnishing of the report ; AND this is in clear violation of 15 USC 1681 c ( a ) 6 which states, " ..reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services. '' They are describing the nature of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 filed a dispute on inquiry that I dont recognize and XXXX told me that the information must remain on report for two years. I have tried getting this info removed several times now.

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 2021-01-09
Company: DISCOVER BANK
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I contacted Discover Bank regarding my personal loan ending in XXXX which I had any issues before on regarding changing my due date. My pay schedule from my employer had changed and I needed to change my draft to the XXXX th of the month. I gave them advance notice however i was notified this would not go into effect until XX/XX/2021. I paid a partial payment and my credit card which is current and set up payment arrangements for the remaining balance on XX/XX/2021. Discover personal loans then which is a separate consumer product and has a separate disclosure sent to customer has absolutely nothing to do with my credit card which was established years before I even requested a personal loan. When I called customer service to inquire why was there a hold on credit card from the personal loan department I got the run around saying it was company policy. I asked the representative where is that in the consumer disclosure issued to consumers that other products or services would be disrupted or not available even if they are current. The representative couldnt find any ounce of documentation disclosed to the consumer that had this information. I was on hold for a while and even reviewed my personal loan agreement which does not state explicitly anything where if suitable payments or payment arrangements are set even on accounts in current status services would be altered. I am not sure how a financial institution is allowed to alter services from an entirely different consumer service or product that were not established at the same time or year that do not have the same payment or fees together. This is in violation of the fair debt collection act

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2023-09-24
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 had checks and my ATM stolen from my home from a care worker hired when I was recovering from an accident. I filed a fraudulent complaint with Suntrust - One month later they merged with Truist - The original complaint was lost - I refiled - A month later they denied the claim saying I filed too late- I refiled- They denied again from the same issue- I refiled again in XXXX and have not heard back from them. The person was arrested and is in jail awaiting trial. I feel I am owed my money back. They allowed her to continue to write checks after I reported and to use my ATM card - They did not closed my account and issue me a new number. This occurred in the XXXX Florida area Please let me know if you can help to facilitate this lack of respone and help on the part of Truist

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 2023-09-25
Company: EQUIFAX, INC.
State: WI
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
/On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with L J Ross Associates , IncXXXX in XXXX  showing a balance of {$1000.00}. L J Ross Associates , Inc. failed to respond to my validation letter although proof will show that they received this request on XXXX XXXXXXXX  and have yet to respond as of XX/XX/XXXXXXXX XXXX XXXX The uploaded attachment is the letter that was mailed all with return receipt from through united states postal service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My wifes cell phone was hacked by an unknown person. This unknown person called the bank, This unknown person called the bank, tricking and deceiving chase bank into resetting our passwords. Chase allowed and approved a wire transfer of XXXX that was not approved by anyone on the accounts. Unfortunately due to this we were unable to make our {$20000.00} week payment for my wifes XXXX treatment. Unfortunately, my wife died due to chases negligence, chase has been extremely difficult, and has lied, saying they have not received please report or proof phone was hacked. A representative our local branch verbally told me not to worry, and that my accounts were covered from fraud. Sense We did not approve this wire Transfer. chase bank was defrauded directly from the fraudster, knowing this chase banks, negligence caused the death of my wife, mother of XXXX kids ages XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: PA
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection company has add this collection account to my credit report 5 times. Each week they add a dollar to the balance and add it as a new collection and I have no knowledge of this account. Fraudulent activity is occurring with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove all XXXX XXXX XXXX XXXX accounts and inquiries due to fraud. 

FTC report and ID 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 2023-09-24
Company: EQUIFAX, INC.
State: CA
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:
These hard inquiries are unauthorized and they are not related to any transaction by me. I want these hard inquiries removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: IL
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Why is it every time I use my XXXX charge Transunion takes points off my credit score when the balance charged is less than XXXX. Transunion took XXXX  points off my credit score. WHY! There are no missed payments no late payments and between the XXXX of XXXX and the XXXX of XXXX the account balance was paid in full and there is now a XXXX credit. The due date for the payment was XXXX XXXX. 

Who does Transunion think they are XXXX XXXX XXXX? 

Why are the National Credit Bureaus allowed to take points off your credit score when there are no late payments and no missed payments and the balanced is paid in full with in a few days, weeks before a payment is due on the card? 

Are the National Credit Bureaus that desperate to destroy American Citizens credit scores they take points off your credit score every time you use your cards, with no late payments and no missed payments and zero balances on the card? 

It seems the National Credit Bureau reporting systems are illegal and unconstitutional and should be eliminated! 

Return my XXXX  points 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 explanation