BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX : Account NumberXXXX Account Name : XXXX  : Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number XXXX 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 non-monetary relief
Consumer complaint received 2023-07-22
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 is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I have a online account with MoneyGram to send money. Something happened on my account and MoneyGram close my account without give me right to appeals his decision. And tell me I cant use his online service anymore. 
I want to fix this issues and MoneyGram can allow me to use his online services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2014 I was at an apartment and I was ending my lease, I contacted the Electric company " XXXX XXXX XXXX '' now the debt is on AARGON COLLECTION AGEN and after letting them know, and was zeroed out on my balance, left the apartment. I then seen on my XXXX XXXX they were coming after a debt. I was told after contacting the company that they never closed my account! I had a large bill then just sitting and affecting my credit score. Please remove this! I believe the homeless problem is rampant and the only way the electric bill even racked up to the amount of " {$1000.00} '' was either a homeless person saw the empty apartment and came in, or the new tenants were riding the " free '' electric. Therefore I would call this identity theft, despite it just being the mistake of the customer service at the electric company, now in AARGON COLLECTION AGEN. Thank you so much in advance for any 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 2022-12-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/2022 XXXX called me saying i owe {$250.00} as my electricity bill was not paid and they would turn off the electricity in 30 mins if i would not pay. I agreed to pay as i was scared they would cut off the electricity as i live in XXXX and we was having a XXXX  and XXXX XXXX XXXX. They told me to pay through XXXX and my electricity would not be cut off. I paid {$250.00} then they said actually we are sorry you shouldnt have added the XXXX XXXX  can you send again as we didnt get the payment I told them i didnt have enough funds to pay {$250.00} they said ok pay what you can then we will refund you back the XXXX i ended up paying {$230.00} all through XXXX thinking it was XXXX company. This morning around XXXXXXXX XXXX ( XX/XX/2022 ) they called to say they was going to give me a refund and i had to go onto XXXX  and add {$250.00} and on the memo to write refund of that amount, i was very unsure but i really thought it was XXXX  calling back to give me my refund. I did what they told me to, and {$250.00} went out of my account again. I told them what are you doing, they told me to calm down and listen to what they are saying. They say i needed to have funds of the amount i sent to get a refund. I explained to them all my money has gone and didnt have the funds and they said i had to send an amount to keep the case open so they could follow up. I sent another {$100.00}. I got to work and told my colleagues and they said i was being scammed, i called XXXX  and they told me i was scammed, i filed a police report. Is there anyway you can help me get my money back, or even some of it. Can you advise me anything i can do. Please let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. 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 non-monetary relief
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 non-monetary relief
Consumer complaint received 2021-08-13
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX ( TD Bank Retails Services for XXXX ) have reported unauthorized charges to the credit report agency, which impacted my credit FICO score to go down from Excellent to Good. The entire amount charged ( {$570.00} ) to my account had not been authorized at any point by me. Due to being concerned with the credit report score and my employment safety, I went as far as trying to pay TD Retails and XXXX. Even though I did not authorize this purchase and charges, and due to the TD Bank harassment and phone 's stalking, I tried paying the original amount of {$220.00}, which is the original unauthorized amount. I paid with my XXXX XXXX and XXXX  XXXX XXXX, but both banks declined the payment without any fault/ action by me. TD Bank continued harassing me further, added more penalties to these unauthorized charges, which inflated the amount to {$570.00}. I had no luck to reach anyone with XXXX XXXX and TD Bank consumer rep refuses any other form of payments including checks even when Offred them ACH payment from my bank. I recently provided by phone call to TD Bank rep on XXXX XXXX another bank account to pay these unauthorized charges to stop the continued harassment of TD bank consumer accounts for XXXX. Payment posted to my account for {$220.00} in XXXX XXXX, XXXX yet TD bank got blocked by XXXX  XXXX XXXX not due to any fault of mine or action by me. I have NOT authorized any of these charges and/ or fees, which I have been harassed by ( TD Retails Bank consumer account for XXXX ) to pay. 

Please Note : At any point there was no any kind of knowledge or any kind of notification or any kind approval to such services by me. I have fully paid the full amount ( cost ) of the device ( XXXX XXXX  XXXX ) within one month of purchase and did not finance nor authorized any coverage services. My credit has been excellent. XXXX financial retail services baseless claims and their unauthorized actions have damaged my credit. I need your help please. I have been seeking attorney 's services to fix these illegal activities and charges, but all of the legal counsel I spoke to had pointed me to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  XXXX account number XXXX opened XX/XX/XXXX has sold my information to XXXX XXXX which is a company that is not licensed to collect in there state neither in the state of Georgia. 

XXXX XXXX XXXX  account number XXXX opened XXXX XXXX has sold a debt to XXXX which is not licensed to collect in either. 


XXXX XXXX XXXX is a inquiry on XX/XX/XXXX that does not reflect to any open accounts on my profile. 

XXXX XXXX is a inquiry on my credit report that does reflect any open accounts on my credit. 

XXXX XXXX  XXXX XXXX on XX/XX/XXXX is a inquiry that doesnt reflect as a open account on my credit report. 

XXXX XXXX XX/XX/XXXX account number XXXX is not reporting correctly alleging that I was late on payments which is not true. 

XXXX XXXX XXXXXX/XX/XXXX account number XXXX is not reporting correctly alleging that I have made late payments which is not true.

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 2019-04-12
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2019 from Convergent Outsourcing , Inc. trying to collect {$26000.00}. I am not responsible for this debt and am filing a complaint today ( XX/XX/2019 ) through CFPB to notify the company of my 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 explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sixth 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 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 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 non-monetary relief
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$17000.00}

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 non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am the author of this complaint. I have mailed the attached letters to the CRAs disputing the completeness and accuracy of the following accounts that are reporting on my credit report. I am asking the CRAs to view the attachments and send the results of their investigation to me by mail. The following attachments has already been served via certified mail with a return receipt and I am just further documenting with the CFPB Delete Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Update Late Payments to 100 % paid on time : XXXXXXXX XXXX XXXX XXXXXXXX Delete Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, personal XXXX Finance, personal 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AZ
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:
The list of inquiries and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiries listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : OTHER Date Updated : XX/XX/XXXX XXXX XXXX INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Unauthorized Credit Check, 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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Closed my XXXX credit card account due to fraudulent charges and non usage of card in XXXX. I was informed by mail that my account was closed. I assumed it was done with, as I have not used that card and did not plan to activate any accounts with this company. 
Upon checking my credit score I noticed there was a late payment on a past due balance of over {$100.00}. Called XXXX  customer service and I was told there was a {$19.00} balance for a second user activation fee. I explained the situation and the agent knocked off the late fees. I have paid the account in full, I have never been late paying my credit cards. So this is frustrating that because of that issue my credit score took a hit. I asked why I was not sent a letter of the past due balance, he said it was sent to my email that is no longer in use. I would like to know why 3 months later Im still dealing with an account that hasnt fully closed and why its marked on my credit report as late. How did {$19.00} balloon into $ XXXX? I would like this account closed, I am not sure why I am still able to log into this account as of today XX/XX/23. When it should not even be active. I refuse to speak to another customer service agent as the information given to me does not explain why this an account that is almost impossible to close. I have not used this card in over a year. On my credit report it is marked as 30 days past due. Which makes absolutely no sense to me XXXX  months later.

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