BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
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: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2021-06-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: IL
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:
My name is XXXX XXXX and I am a natural man / consumer and beneficiary submitting this complaint without any influence or involvement from any agency or 3rd party. All consumer reporting agencies must work together pursuant to 15 USC 1681b ( e ) ( 6 ) on a Nationwide basis to maintain a joint notification system which EXPERIAN failed to comply with under the FCRA as required by law. 

I need clarification as to why you are reporting inaccurate information on my consumer report. In accordance with the FCRA I am entitled to a fair and equitable credit report and EXPERIAN is not providing me with one. EXPERIAN is furnishing inaccurate and false information about me that is not true which is violating my right to privacy and causing undue risk of identity theft which needs to be removed. The inaccurate information includes but is not limited to ; inaccurate account open date, inaccurate amount due, varying amounts due, past due account status, late or delinquent payment history. 

This is not a request for verification or validation, but rather a demand for compliance not to be mistaken as a formal complaint or a dispute. See the provided attachments as it requires your prompt attention and response.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was contacted by XXXX to validate a credit card application which I confirmed was fraudulent. I was advised to set up an alert with XXXX, XXXX and Transunion which I did. When I attempted to dispute the inquiry with Transunion I was told I must first file a claim with the FTC then mail the ruling to Transunion. FTC directed me here.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: NJ
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 Fair Credit Reporting Act, XXXX bank XXXX # XXXX and XXXX XXXX  accnt # XXXX, XXXX XXXX XXXX XXXX # 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 agency can not furnish an account without my writted instructions 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

These fraudulent accounts remain unverified, as I never requested them as well as they have failed to provide proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

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 as well XXXX  - acct # XXXX XXXX- acct # XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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. 

According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 
I have all the evidence to do so.

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 2015-06-02
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage failed to respond to my Qualified Written Request sent XX/XX/XXXX within the required period of time. 

Nationstar Mortgage failed to credit all of my payments on my mortgage after Nationstar acquired mortgage servicing rights from XXXX XXXX XXXX in XX/XX/XXXX, despite repeated requests to do so. 

Nationstar Mortgage has not cooperated in my attempt to refinance my loan through the HAMP program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; 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 2022-09-26
Company: Experian Information Solutions Inc.
State: MD
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:
Dear XXXX There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX DEPT OF EDXXXX  {$380.00} XX/XX/XXXX DEPT OF EDXXXXXXXX {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.

Thank you

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 2022-09-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2022 is when I been getting calls from debt collectors from Comenity Bank and XXXX. I finally called Comenity in XXXX 2022 to make a payment agreement to pay {$35.00} a month for 6 months. For XXXX I recently paid {$25.00} towards a past due and Im having a hard time paying both debt collection off. I been getting phone calls from different numbers and voice recordings stating that they want me to pay my debt everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have made multiple attempts to speak a live person to understand why I am unable to access my free annual credit report. The system tells me that a report does not exist. I was told to send in copy of ID, SS card, W9 as prood of identify this will be my 3 rd time sending my sensitive information. Please fix this and remove the innaccurate information you are reporting on my credit report. 
Attached is a letter detailing the inaccurate information as well as supporting documments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Working with chime company, Had fraud on a credit builder checking account XX/XX/2023 was resolved in my favor funds were credited back to a closed account, as account is closed Im u able to withdraw or transfer funds to another account chime member service has confirmed several emails that the check went out in XX/XX/2023 then another email in XX/XX/2023 as my issue isnt being resolved I am communicating via phone and email and email response is automatic and continue to request my address also confirming check is out received another email today saying credit to my account however chime failed to provide me documents with proof my current checking account was credited researching all history chime has yet to send me disbursement funds as I have referred to companies closing account procedure the 90 days service level has expired and my issue isnt resolved or handled properly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I hereby would like to state the following facts related to the fraudulent withdrawal of the sum of {$4500.00} XXXX XXXX XXXX XXXX XXXX, from the account XXXX of my property, and held solely under my name, held at Chase Bank located at XXXX XXXX XXXX in XXXX XXXX XXXX of XXXX. 

XXXX XX/XX/2022 at XXXX XXXX  a withdrawal for the amount of {$4500.00} was made at the abovementioned branch of Chase, supposedly as the Chase bank claims using my debit card and my pin number to make said withdrawal. 
The transaction was executed by the teller number XXXX as designated that day by the Chase bank. 

XX/XX/2022 at XXXX ; XXXX XXXX  I myself XXXX was working at my XXXX  at XXXX XXXX XXXX XXXX Texas XXXX with my Chase debit card in my wallet, and I have video footage with the time mark to prove this. 

On XX/XX/XXXX sunday while checking my bank account transaction for the week, I realized that the sum of {$4500.00} had been taken from my account on XX/XX/2022, immediately i called customer service and was informed that i had to go to the branch the next day monday XXXX XXXX. 

On XX/XX/XXXX I went to chase bank to make my weekly deposits and also to inquire about this withdrawal of {$4500.00} and was informed by the branch manager XXXX XXXX XXXX that such withdrawal was made at the branch, with my debit card and pin number, and i explained to her and a teller, i believe the name is XXXX, that i had not withdrawn that amount and i rerquested respectfully that a fraud investigation be opened and my debit card would be suspended due to the fraudulent transaction. Therefore I was assured that the bank would open a claim and cancel my card. none of this last actions took place, On XX/XX/2022 I returned to the bank to ask about the status of my claim, and was made aware by bank manager that the claim was not made and the card was not suspended. Therefore XXXX bank manager proceeded to file the fraud claim in my presence. 

On XX/XX/2022 I was informed by the bank fraud department that the claim was deemed as not valid because my debit card was used to withdraw the money and also the amount was consistent with my spending patterns. 

Conclusion chase bank dismissed the fraud claim, saying that my debit card and pin were used at the branch but refused to review the video footage. At the exact time of the withdrawal I was at my XXXX  with my debit card in my pocket, and I have video footage to prove it. 

Thank you very much for your help on this matter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2021-06-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: LA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX  Please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA 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