BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
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:
Demand for Immediate Removal of Inaccurate Collection Account and Compensation To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding inaccurate collection account ( s ) falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt are unauthorised and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these accounts violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 607 ( a ) ( 1 ) and ( 2 ) : Consumer reporting agencies obligation to maintain accurate, complete, and up-to-date information. 
FCRA Section 615 ( a ) ( 1 ) : Debt collectors ( data furnishers ) obligation not to furnish inaccurate information to credit reporting agencies. 
FCRA Section 621 : Potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ XXXX {$1000.00}. 
15 U.S.C. 1681i and 1681j : Credit reporting agencies ' obligation to ensure maximum accuracy and their potential liability for non-compliance. 
Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts. 
Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 
I have never had any dealings with the above persons and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of all inaccurate collection accounts from my credit report by XXXX, XXXX and TransUnion. 
Compensation for my time and effort spent disputing these illegal accounts. 

Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

Sincerely, 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 2022-12-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove 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 2024-01-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A few weeks ago, a friends of mine had clients of his company send my money because his business account had issues receiving money. When his clients send me the money through XXXX, we verified amount and correct location to where the funds went. Everything was good. Now Wells Fargo has decided to close my accounts and hold my money for unauthorized payments despite both parties verifying funds. They will not further investigate and now I am left with no money and no way of receiving my funds until account closure which they hinted at being pushed back.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus 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 item and update it immediately in my report : XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXs customer service representative.

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 2024-01-19
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay my Citi credit card balance in full each month. Citi sent an offer to reduce my interest rate on outstanding balances and I applied. 

This appeared in my statement for my account paid in full : Interest + {$23.00} Billing Period XXXX Interest + {$18.00} Billing Period XXXX I called XXXXCITI ( XXXX ) and they explained that it was interest on the outstanding balance at the reduced promotional rate. I explained that the balance was paid in full each month. They put me on hold, researched the issue, and agreed to credit {$41.00}.

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 explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX/XXXX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-13
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ic systems and XXXX and XXXX add collection on my credit report causing damage to my score. These are fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: Experian Information Solutions Inc.
State: MO
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:
Experian starts today out with a lie there still working on the issue LIE LIE LIE LIE LIE

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently obtained my credit report in XX/XX/2022 and XX/XX/2022 and I filed several disputes due to the inaccuracy information that is being reported on my credit report. I requested the credit consumer agencies ( XXXX, TransUnion, and XXXX ) to investigate and delete the following account : Account Name : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, the information on the consumer report must be 100 % accurate, and Under 15 U S 1681i, 15 U S Code 1681e ( b ), 15 US Code 1692e ( 5 ) False or misleading representations- legal status of any debt ; The false representation or implication that any individual is an attorney or that any communication is from an attorney ; The threat to take any action that can not legally be taken or that is not intended to be taken. As you see in the reports, there's several comments about the account being assigned to an attorney. 

XXXX has, on several occasions, reported me as collections for several months, when I have made payments. As you can see on the attachments, XXXX XXXX XXXX has fraudulent ways and they are trying to cause distress and make it hard for me to obtain credi0, which is why my credit score dropped. Please see this matter and address it immediately. After disputing this account with the three big credit reporting agencies, they have yet to provide me with the documentations of their investigation. I have also included a copy of the letter I sent to the big three credit reporting agencies.

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 2023-09-21
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX, I made two purchase at XXXX, after presenting my personal banking debit card. Today, I received an invoice from a XXXX credit card that I never applied for. I looked at my debit card statement and only one of the purchases I made was on the statement. The store clerk illegally enrolled me in the credit card program, claiming to enroll me in their awards program. I called the XXXX Credit card company today and reported the problem- they failed to connect me to a manger that could resolve the issue. I do not own major credit cards or store credit cards for a reason, so this action is particularly egregious. It seems that XXXX is paying their employees incentives to enroll customers in their programs and those incentives are causing employees to illegally enroll customers in these programs, without customer consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

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 2023-06-17
Company: JPMORGAN CHASE & CO.
State: MA
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:
On XX/XX/2023, I purchased a belt from XXXX XXXX. I had a change of mind due to the quality and cost of the belt. The item was returned by mail back to the sender in all of its original packaging on XX/XX/2023. To my surprise, I received the same belt back in the mail without prior notice. A letter in the package claimed the belt to be unauthentic and the company will charge my credit card for the full amount of {$610.00}. I immediately filed a dispute with Chase Bank and received a notice of valid charge in the app under Notices and Letters on XX/XX/2023. Chase Bank claimed they reached out to me to follow-up regarding the dispute and closed it due to no response. However, I never received any phone calls or email from them. XX/XX/XXXX was the most recent document posted as seen in attachment. I appealed the decision with a written letter to Chase Bank as instructed by a representative via phone. On XX/XX/2023, I received an update on the dispute. Chase Bank once again sided with the merchant and concluded the charge as valid although they state that my complaint to the merchant is valid. While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. As a bank this is unacceptable and I feel wronged as a client. Chase Bank website claimed consumers are protected from : A product or service you received and are dissatisfied with. However, this is simply not true and Chase Bank should face a class action lawsuit for deceiving consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: ALLY FINANCIAL 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:
As of XX/XX/2023 I stated I noticed a fraud account and the credit XXXX XXXX ALLY FINANCIAL claimed they did an investment but how is that possible when I never gace my written instructions ALL COMPANIES AND CREDIT BUREAS INVOLVED ARE IN VIOLATION OF THE LAW!!!!!! 
RESPONSE DISPUTE 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 results from an alleged identity theft. not later than 4 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 identit 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 und 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 rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume 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 explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 tried to get a home loan XX/XX/2022. I was told by my mortgage lender that I had a defaulted loan with XXXX XXXX  that was having a very big negative impact to my credit score causing me to get denied. 



After months of going back and forth with XXXX XXXX, I was able to get them to send me a copy of the application which clearly shows me that this is not my account as none of the data including my name, phone, email address or physical address is valid for me. I assume the SS and DOB arent either, but I wasnt provided this information. 



I have 2 possible theories..

1- I am a victim of fraud. This doesnt seem likely as none of the data matches my true data. See highlighted data below.

2- Trans Union and XXXX are incorrectly matching this charged off account to my credit bureau report, in error. Please note : XXXX is not.

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 2023-03-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, Inc. is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've received a copy of my credit report and have noticed fraudulent accounts. I am requesting that all accounts and addresses that I have listed on my FTC report to be blocked and removed from my credit report.

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 2023-03-04
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dear Sir/Madam, I am writing this letter to dispute the recent decision made by Elan Financial Services to drop my credit limit from {$16000.00} to {$900.00}. I strongly believe this decision was unfair and unjust, and I am seeking your assistance in resolving this matter. They even blocked my online account access after reaching out to them. 

I started using the card recently and was surprised to find out that my credit limit had been reduced without any prior notice. I was never informed about any missed payment, nor did I receive any statement or phone call from Elan Financial Services regarding this matter. 

When I called to inquire about what had happened, I was informed that they had sent letters to me. However, I never received any of these letters, and as a result, I was unaware of any issue with my account. I was willing to make the payment in full to restore my credit limit, but I was informed that this was not possible, and I would have to request a credit limit increase. I totally didnt receive these statements or notices, so as a responsible Credit user I called to check on what was going on. 

I understand that Elan Financial Services has policies and procedures in place to manage delinquent accounts. However, I believe that the reduction in my credit limit was unjustified, given that I was not aware of any missed payment or overdue balance until I called in to find out where the statements were and the credit limit reduction. Additionally, there were several errors on their end, such as misspelling of my name on the online account, which further complicates this situation. 

I am requesting your assistance in resolving this matter, and I would like to request that Elan Financial Services restore my credit limit to its original amount of {$16000.00}. I believe this is a fair and just resolution. 

Thank you for your time and attention to this matter. Please let me know if there is any additional information required to resolve this dispute.

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 monetary relief
Consumer complaint received 2024-01-19
Company: Experian Information Solutions Inc.
State: MO
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:
Once again within seconds experian closed 1 complaint while working on another, LUE THEY ARE DOING NOTHING BUT STALL AND GIVI G XXXX  EXPLANATIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions 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:
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/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 explanation