BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
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 XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX card services account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX account number 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 2022-11-25
Company: EQUIFAX, INC.
State: WY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/23, I opened a Citi Accelerated Savings account and completed an ACH transfer from my XXXX checking account in the account of {$14000.00}. The funds were posted as a Withdraw from my XXXX account. Last week, I had an opportunity to obtain a higher return on investment on my money and attempted to transfer the funds back to my XXXX account, the Citi portal indicated that the transfer is blocked for a MFA review and to call XXXX. They mentioned the transaction is being reviewed and take 24 hours. I called XXXX on XX/XX/23 to check on the status as I still can't transfer the funds and they instructed me to call back on Monday XX/XX/23. As of XXXX XX/XX/23, not only are the funds not being able to be transferred but Citi has made my accounts inactive. THEY HAVE {$14000.00} on my hard-earned money and won't release it!!!! Please 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 2023-02-20
Company: Experian Information Solutions Inc.
State: VA
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:
Upon looking at my Consumer report I have identified items that are the result of identity theft, because each item ( documents enclosed/attached ) does not have my written or verbal consent to report these items listed to my consumer report. According to 15 USC 1681 C-2 I am now filing this Identity theft report for the ( Enclosed/attached ) items. Please review all attached documents and all applicable laws.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}

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 2022-06-04
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 -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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-06-04
Company: EQUIFAX, 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:
You are reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 Capital One, has violated my rights. 

15USC 1681 Section 602 States I have the right privacy 15USC 1681 604A Section 2 : It also states a consume reporting agency can not furnish a account without way written instructions. 

15 USC 1666B A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late fr any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone transferred {$500000.00} ( XXXX XXXX  XXXX ) from my Business Savings account on XX/XX/2018 to some account in XXXX XXXX. 
I filed a compliant with Chase Bank claim number is XXXX Chase has confirmed this is fraudulent activity and yet they want to wait to reimburse me until they recover the money from XXXX. They are not able to help and continue to pass from department to department. The bottom line is this was a wire transfer that was not authorized and the bank failed at multiple check points and now they are not willing to help. They allowed the money out but do not want to return the money until they resolve with the fraudulent account holder XXXX. Chase has not helped resolve this matter. Our money is not protected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my credit report, I have 2 medical bills that were reported to the collections account named " ALLIANCE COLLECTION AG ''. The 1st one was from original creditor " XXXX XXXX XXXX XXXX '' for the amount of {$360.00} ( opened XX/XX/XXXX ) and was sent to collections and reported on XX/XX/XXXX. The 2nd was from original creditor " XXXX XXXX XXXX '' for the amount of {$75.00} ( opened XX/XX/XXXX ), also sent to collections and reported on XX/XX/XXXX. After reviewing my credit report, I IMMEDIATELY took action and called Alliance Collection Agency to make full payment and resolve the collections. We had worked out a deal and agreed that they would remove them once paid, and they have failed to fulfill their side. I paid BOTH of the collection amounts in FULL within 48 hours. It is crucial to have these removed from my credit report because it is prohibiting me from getting funding. As I have fulfilled my part of the deal and fully paid off my accounts, I would like the collections immediately removed from my credit report, as they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 asked the credit report company to verify everything on my credit report and they did they stated everything is verified accurate on my report I did a thorough investigation myself in found improper inaccuracies on the CREDIT report after they did there thorough investigation. 

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and his account are not mind my name is XXXX XXXX XXXX XXXX XXXX don't confuse me with relative the other company says it meets FCRA but transition keep verifying as accurate

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 2022-08-15
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:
On XX/XX/XXXX l took a look at my credit report and noticed a collection account was fraudulently reporting on my personal credit report. 

I immediately called experian.com to let them know that this identity theft collection account " '' XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX ... is a fraudulent account XXXX it does not belong to me. 

The company XXXX. XXXX XXXX Has fraudulently given experian.com wrong information about an account that l never had. It's fraud. 

This fraudulent collection account is sitting on my report and ruining my good name... and l want it removed please because it does not belong to me. 

Experian.com has not removed this fraudulent collection acount from my credit report as of yet.

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 2023-11-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Effective XX/XX/, the servicing of my primary residence mortgage note ( XXXX mortgage ) was transferred from XXXX XXXX to Chase ( XXXX XXXX XXXX, XXXX, XXXX, LA XXXX ). 

Prior to the transfer, I made a payment to XXXXXXXX XXXX for the XX/XX/XXXX  payment due XX/XX/. 

Upon Chase taking over as servicer of the mortgage, I set-up an auto-draft for the full monthly payment, effective XX/XX/ for the payment due XX/XX/, and on the 8th of each month thereafter. 

Despite this, and without my permission, Chase attempted to debit my checking account on XX/XX/ for the payment amount already paid to the prior servicer ( XXXX XXXX  ). I called Chase and informed them of their error. They refused to reverse the unauthorized draft but said I could just allow my bank to refuse the draft, which I did. 

On XX/XX/, my bank was debited for the proper mortgage payment, which was credited on the Chase website. 

But, without my permission, on XX/XX/, Chase again debited my checking account for the same amount as my monthly payment ( a second charge ). This is unauthorized in any way. I called Chase, and they incorrectly claimed that the charge was authorized, but I affirm this is untrue. I asked them to reverse this charge, which the representative said she would do. However, this has not been done, and my bank is demanding funds from me to cover this unauthorized double charge to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Experian Information Solutions Inc.
State: VA
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:
In XX/XX/2022, I contacted XXXX/XXXX  credit card and requested to close my accounts, which were in great standing. I paid whatever balance was on the cards and had them closed. In XXXX, I received a negative alert via my Experian credit monitoring, letting me know I was 30 days past due on an account. When I looked at my credit report, the negative reporting with a past due balance was from XXXX. I immediately contacted XXXX and questioned the reporting. I was told that a charge was applied to my XXXX account AFTER the account was closed. I am confused as to why a charge was approved on a closed account. It would have been easier to deny the charge so that the merchant would contact me instead of approving a charge when the relationship between myself and XXXX no longer existed. I also did not have access even to pay the XXXX account. After speaking to the representative, I was told that the reporting would be removed. I was able to make the payment, and I thought all was well. A few weeks later, this again showed up on my credit report. 

This reporting has questioned my creditworthiness and is now creating issues with accounts I have had great relationships. I have been denied business credit and had credit limits decreased. It is now impacting my ability to sustain my way of life. The most upsetting part is that this was a closed account. There is no justification or rationale for why anything should have been approved.

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 2022-08-15
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SOUTH WEST CREDIT IS FRAUDLENTLY TRYING TO COLLECT A DEBT WHICH HAS BEEN DELETED FROM MY CREDIT YEARS AGO AND THEY ARE NOT EVEN LEGALLY AUTHORISED TO COLLECT THE BEBT NIETHER REPORT TO THE CREDIT IN AN EFFORT TO DAMAGE MY CREDIT Creditor Information SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message on XX/XX/2023 with the following : " Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX XXXX MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/state-disclosures ''. However, I have never opened an account or done business with XXXX. I reached out to XXXX  who were able to confirm that I have never had any accounts or debt with them. I went to the link provided in the text and entered my phone number and the last 4 of my SSN, and the MRS BPO site also showed that I do not have an account with them. Entering this information was required for me to view details of the alleged case because the other options were to provide an MRS account number or a Creditor account number which did not exist. I am worried that I have already provided too much information to this company, which is why I did not reach out to them directly. I replied STOP to the text message to stop receiving messages, and was sent an automatic response saying I was successfully unsubscribed. I am worried about this false claim being sent to credit bureaus and affecting my credit. I am filing this complaint to keep a formal record with a reliable third party that I have never had debt with XXXX and any attempt by MRS BPO , LLC to collect on such debt or to report it to any credit bureaus is fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was accepted for a loan of XXXX $ with XXXX XXXX interest my monthly payment is XXXX $ a month but it is very difficult to keep up. I am doing the XXXX plan with the interest I will be paying around XXXX $ I am looking to file against them for a predatory loan.

Company response to consumer: Closed with explanation