BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion Credit Bureau XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute - Multiple Unresolved Disputes and Violation of FCRA Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ) Dear TransUnion Credit Bureau, I am writing to express my extreme frustration and disappointment regarding the repeated disputes I have submitted to TransUnion concerning an account with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX. Despite my consistent efforts to clarify that I do not owe this debt, TransUnion continues to verify the debt inaccurately, which constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ).

I have submitted multiple disputes regarding this account, clearly stating that I do not own this debt and providing comprehensive evidence to support my claim. This evidence includes a report to the Federal Trade Commission ( FTC ) [ Attach FTC Report ] outlining my grievances. It is crucial to note that this issue has persisted despite my diligent efforts to rectify it. 

The violations of the FCRA are as follows : 1. **FCRA Section 611 ( a ) ( 1 ) ( A ) : ** TransUnion has failed to conduct a reasonable investigation into my disputes. Instead, you have repeatedly verified the disputed account inaccurately without proper due diligence.

2. **FCRA Section 611 ( a ) ( 5 ) ( A ) : ** TransUnion has not provided me with written notice of the results of your reinvestigation into my disputes within the legally mandated timeframe. 

I demand that TransUnion initiates an immediate and comprehensive investigation into the XXXX XXXX XXXX account, considering the multiple disputes I have submitted and the supporting documentation, including the attached FTC Report. This investigation should result in the removal of the account from my credit report, as it is in violation of my rights under the FCRA. 

I expect a written response within 30 days of receipt of this letter, outlining the actions taken to rectify this situation, or I will be left with no option but to pursue legal remedies and seek damages for the continued violations of my rights. 

TransUnion must address this matter urgently and with the utmost seriousness. Failure to do so will have legal consequences and severe reputational implications. 

Sincerely, [ XXXX ] [ Enclosure : FTC Report, proof of delivery ]

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ( FCRA ), Account Name : XXXX XXXX XXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my portfolio recovery associates account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX  account and a written response outlining the actions taken to resolve this issue.

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 2023-02-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
To whom it may concern : 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 name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Thank you, 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 2018-11-09
Company: Experian Information Solutions Inc.
State: IN
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:
u have 5 paid ahead on my cbt acccts that u are reporting as deliquent or mis reporting all and 3 i never head of and dont ahve accoutns with the n the issue of some cr one selling my acct and the company rsnv is fraud and theft i have paid and they ahve not paid and taken funds i will never pay them ever they need removed and investigated report the 30 years of my pervect credit not the 3 companys i dont ahve never heard of and that are fraud on my cbt b before i file lawsuit on experian for mis reporting u donot ahve my permission to share any of my info bexase u ahve XXXX  up my files and the othere ageXXXXnxys ahve it right thtas why i wont us exparian in my business of 30 eyars cc my attorneys Account Name IA FRAUD AND I I WIL NEVER PAY AOMWONW I SONBT KKNO OR USE THEY ARE NEVER BEING PAID AGAIN LXXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX.

Open DateXX/XX/2018 Balance {$1100.00} Debt {$1100.00} Contact Information XXXX XXXX XXXX XXXX SC 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 2021-05-13
Company: Diversified Adjustment Service, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I noticed my credit report was flagged for collections from a collection agency called Diversified Adjustment. I believe they are a collection agency with XXXX being the main company claiming I owe. I had the same issue with this company in XXXX and thought this matter was settled but apparently XXXX passed it on to another collection agency because the account wasn't proven as fraud which it is. I have never had any business, communication, or any form of knowledge of this company/account or how they got my information. I have already disputed this claim twice and keep getting " account remains '' after both disputes which is 100 % incorrect hence why I filing this form today. The information is incorrect and not mine and is destroying my credit score that I have worked hard to increase and this needs to be permanently removed from my credit and listed as fraud because that is exactly what this is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020, I transferred XXXX to an existing online Savings Account I had with XXXX by Goldman Sachs Bank. However, this bank suddenly dropped its rates from 1.05 % to 0.80 % in less than a month and I had to return my money back to its source savings account with a different bank. XXXX sent me an email message informing that the transfer was complete on XX/XX/2020 however the money never showed up at the destination bank as of today XX/XX/2020 XXXX one week )! I've tried to log in to my online account, however I was prompted by a message indicating that my account was locked and requested that I call XXXX. After calling this number multiple times I was prompted by automated messages which could not help me unlock my account. Finally, I was able to speak to a representative who was unable to unlock my account and could not reach out to a banking representative to do so. He advised that he would call me back within two business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX, I applied for an Apt online. XXXX XXXX do accept Section 8 voucher. I applied online application that required a XXXX Deposit. I paid the deposit. Then I was denied do to a policy XXXX XXXX said they can not sign a document with the Section 8 program. They charged me XXXX plus XXXX for a policy they are aware of. I disputed the charge with my credit card company, I was issued a refund. I also reached out to the XXXX. The XXXX  had XXXX XXXX reach out to me. I spoke with someone from XXXX XXXX and advised them, I did not owe them money for a policy they were aware of. XX/XX/XXXXXXXX  a debt collector called me demanding XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I attempted to transfer money from my Regions account to my XXXX account using XXXX on XX/XX/XXXX, under the impression that the funds would be available same day. After submitting the transfer, I was informed by Regions ' mobile app that the funds would not be available until next day ( XX/XX/XXXX ). After reading Regions Account Agreement,  the only exception for the funds not being available same-day ( other than for suspicious activity ) is if the Receiver has not enrolled in XXXX. The receiving account XXXX XXXX XXXX has been enrolled in XXXX for a while, and funds have been transferred to and from this account previously. 

I called Regions at XXXX and spoke with XXXX who explained that Regions does not dictate the processing times for XXXX transfers, but XXXX does. Is this true? 

I am wanting to know the reason as to why the funds are not being sent, to be available, immediately ; as Regions is holding the funds. This has caused a huge inconvenience and if I would have known the processing time ; I would have found another means to transfer the money. The notification of when the funds will be available should be displayed before the transfer is initiated.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Billing dispute for services

Complaint:
YOUR COMPLAINT This happens to be an ongoing issue that has been happening since XXXX almost XXXX year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with XXXX about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of XXXX ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from XXXX a month earlier, I was scammed XXXX  times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD. I am not going to give up because I was Frauded and scammed and I am living from check to check. I can not afford to pay something that I did not authorize. Now the charges are up to {$10000.00} and some change from all of the late fees etc.that are occurring. Once again I will not pay this amount. At all. XXXX in XXXX nj rather all banks should have sympathy for people that go through this. I will keep this ongoing because I am not paying and will not pay. 
XXXX whoever this person is his phone is still ringing and he is still answering the calls and probably is scamming more people. XXXX is his number. Do people really think that someone would say they was scammed just to say it. Not me I have attempted numerous times and I am not giving up at all until justice is served. And I have texts to even prove back and forth talking with this stranger. Scam artist

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 2020-08-11
Company: CBC Companies, Inc.
State: OH
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:
XXXX XXXX i tried calling. I dont use XXXX  XXXX  at all. 
I see and inquiry that I didn't do and would like it removed thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2020-08-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Late fees and interest without receiving a bill. Visa does not want to fix. Attempts were made. Requested a bill copy and received another person 's bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I came across paperwork from XXXX for two IRA certificates of deposit that had been gifted to me. The amounts on the accounts were approximately {$330.00} and {$330.00}. The accounts were at XXXX XXXX XXXX  XXXX Chicago. According to the FDIC, that bank merged into Bank One which then merged into JP Morgan Chase. 

I made an appointment and went to a branch in XXXX XXXX, sitting down with XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm XXXX with the paperwork. He informed me that he could not find the accounts in their system and that there was no recourse to research what happened to the accounts. 

I later called customer service for Chase that same day and spoke with a woman who identified herself as XXXX at approximately XXXX pm PST. She also said she could not find anything in her system. Moreover, she stated that there are no accounts older than seven years and that there was no recourse to research or find this account. 

That strikes me as untrue inasmuch as an IRA is meant to be held for a long period of time. Moreover, an IRA XXXX should be a liability that was assumed during the mergers and the accumulated interest should be significant by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from XXXX, XXXX, or Experian! 

XXXX XXXX Experian XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear XXXX Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated. 

I look forward to a swift and amicable resolution to this matter. 


Sincerely,

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 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Date : XX/XX/2022. 
Amount : {$160.00} The related company : Bank of America, XXXX XXXX Compant Actions that were taken by me : I paid my mobile service on XX/XX/XXXX. Due to some technical issue, I was duplicate charged. From my bank statement, there were two duplicate transactions. So I asked a refund for one of it. 

I called XXXX XXXX company several times. XXXX insisted they only got one of my payment and they have already refunded to me. XXXX asked me to call my bank, the Bank of America, to see if the money was still in BOA 's nonminate account. 

I called Bank of America. Bank of America insisted the money has gone to XXXX 's bank. Bank of America asked me to call XXXX. I also asked for a dispute for the transaction, but it was denied due to existing timeframeworks. 

I called XXXX again, XXXX asked me to call BOA. 
I called BOA again, BOA asked me to call XXXX. 
That's what is happenning now. 

I really want to know where is my money? Who stole it from my credit card? I paid my mobile service on time but XXXX said they didn't gey my money and stopped my service. I want my money back. But I even can not know whether it is in the Bank of America or it is in XXXX 's account. Both of them said they didn't get my money. I felt like I was a soccer being kicked around.

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 2023-02-08
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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