BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX  XXXX  Account No - XXXX XXXX. XXXX XXXX- {$900.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account XXXX XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company finished garnishing my paycheck from my employer and I want them to remove it from my credit report because they got the money already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with US Bank on XX/XX/XXXX with a promotional code of XXXX which based upon amount of direct deposit a promotional bonus was to be paid. I met this criteria in the first 60 days with $ XXXX in money direct deposited into the account. I called in early XXXX to ask why the bonus hadnt been paid and they said wait until XX/XX/XXXX and if it wasnt paid to contact them back again. I contacted them back again on XX/XX/XXXX and they entered yet another case this time and told me someone would contact me to ensure it was paid out. Now I am XXXX weeks past the second case entered and still no contact or promotional payment paid out.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2023-09-15
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed out my business account and have refused to send out the balance on my account of over {$80000.00}. They have been doing this to a lot of people and it has to be illegal for the bank to close an account and hold on to funds that do not rightfuly belong to them,

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 2023-04-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car from XXXXXXXX XXXX  company on XX/XX/ and returned it on XXXX XXXX. On XX/XX/XXXX, XXXX stated they released the funds they had on hold which was {$1100.00} Approval Code XXXX from XXXX and the {$200.00} deposit they had on hold Approval Code XXXX also from XXXX. Well, the credit card company said they never received the release of funds from XXXX and now I am out {$1300.00}. Ive gone back and forth with XXXX and the credit card company and Im not getting anywhere. In the meantime, I am having to suffer to pay my credit card for funds that were never returned to me. I am a XXXX citizen on a fixed income and can not afford to have to pay all of this 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Disputed information on Credit Report with Transunion and XXXX. They are both reporting late payment history on collection accounts, there are several accounts that have exceeded the statute of limitations that are still reporting and need to be be removed as per the FCRA. I have sent several dispute letters and the information isnt being investigated/ and or removed. Its frustrating because Ive done it repeatedly and the same accounts remain. Not to mention to personal information that doesnt even belong 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 2023-09-14
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 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: IL
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 sent my " Investigation Request '' letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below. Also, I have attached the letter I sent out via Certified Mail # XXXX XXXX XXXX XXXX ( EXPERIAN ) # XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX and # XXXX XXXX XXXX XXXX XXXX ( XXXX ) According to the FCRA, the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my accounts were verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting 100 percent accurate and according to FCRA 15 USC 1681, everything must be 100 percent accurate. I have the credit reports showing the inaccuracies. 

Accounts that I asked to investigate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX is reporting without my consent wrong information XXXX XXXX XXXX XXXX XXXX was open fraudulently I sent several disputes

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed to Transunion for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-05-09
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act XXXX & XXXX Last XXXX XXXX XXXX, 2023 {$120.00} Open balance XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$4400.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX * XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX * XXXX XXXX XXXX XXXX, TN XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX * XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX 15 U.S.C 1681 section 602 A.Clearly 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Please remove these accounts and address off my report immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. Bank of America acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now I cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ar resources Inc Amount of debt owed : XXXX The collectors contact number is listed ( as shown ) ( XXXX ) - XXXX XXXX on XXXX XXXX website!

I wanted to payoff/settle the debt but incorrect documentation was listed on the contact information on XXXX  website. 

I don't think that it is fair for the consumer ( myself ), that I should have to take the full blame for the mistake. When the problem at hand could've been resolved in a timely manner instead of showing several months of past due on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: SC
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:
I have already sent a letter to the creditor asking them to reverse these late payments. They havent abided by what I requested and they also violated my consumer law because they never gave me the option to opt out from reporting this information to a 3rd party. 15 U.S.C. 6802 B Obligations with respect to disclosures of personal information. 
Creditor : XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XX/XX/2022- Please update to paid on time! 

Creditor XXXX XXXX XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XXXX and XXXX of XXXX  - Please update to paid on time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-03-10
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted this company due to a bill of {$3400.00} showing on my credit report which I wanted validated because I have no knowledge of this bill. I sent them a request for validation on XX/XX/XXXX and they did received it on XX/XX/XXXX at XXXX XXXX in their offices I gave them 30 days to reply but I did not received anything from them I gave more time and again wrote them on XX/XX/XXXX and they received the letter in their offices on XX/XX/XXXX at XXXX XXXX and today is XX/XX/XXXX and I never have received a letter from them and was advised by my lawyer to submit the complaint here because by law the only have 30 days to validate the debt and since they received my first letter on XX/XX/XXXX over 90 days In which I have not received a reply and due to their actions in failing to responding me in time and not receiving any letters from them I want this account deleted from my Credit Report. I will send attached documents and the certified mail receipts for further proof. This is irresponsible from them and this is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: VA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 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
Consumer complaint received 2021-11-06
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2021 I requested for the 2nd time a debt validation from Phoenix financial service via certified mail after the 1st request failed to provide a thorough break down for the alleged charges, date of alleged service rendered, list of services and a signature from the provider showing my request to release information. in which I then respond letting company know that a violation of HIPPA was made and requested that they do the right this and have this account removed from credit report. I was then contacted by mail on with a letter dated XX/XX/2021 in which they mentioned this debt being valid with no clear information of the details requested above that request to validate that this alleged debt to be valid, this now makes the 2nd time I have tried to contact this collection agency regarding this alleged debt and providing reasons why information should be removed. I then received a 2nd response dated XX/XX/2021 in which they mention that records show this debt having been disputed before and will not be reinvestigating dispute there for the information will remain on credit report. how ever I find this to be clear violation of HIPPA laws and regulations. and wish to no longer suffer from this companies mistake and have been inconvenienced long enough

Company response to consumer: Closed with explanation