BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 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 that 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 XXXX years. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-10-13
Company: Rauch-Milliken International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021 I received an email from XXXX XXXX stating that I owe them {$510.00}. As you can see in the email I responded with " What is this? Cancel please I didnt sign up '' I just now received another email from a debt collector " Rauch Milliken International '' saying I owe XXXX XXXX {$2100.00}. XXXX XXXX is committing fraud, I never even saw the advertisement that was posted with them. I need your assistance investigating this matter. How is it that they keep trying to bill me without my consent? I need these fees waved and all debt collectors to stop contacting me for debt I do not owe. The debt collector 's information can be found here : www.rauchmilliken.com As also stated in the email, the debt collector agreed that I tried to stop the charges but then states that she could only waive {$310.00} XXXX XXXX and rauch milliken are committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased 3 concert tickets from XXXX for a XX/XX/XXXX show that was postponed to XX/XX/XXXX. Over several months I reached out multiple times to XXXX  because I was unable to login and access my account or the tickets I purchased. I never received an email confirmation or receipt. Their app does not work and it is the only way to access tickets, which I never constructively received. There is no way to reach XXXX  customer service, all phone numbers circle back to the website ( that doesn't work ). I reached out on XXXX support and email and was not able to get anyone to help me access my tickets. Before the show, on XX/XX/XXXX, I called Chase and they told me I had a strong case to dispute the charge and to wait until after the show. On XX/XX/XXXX I called and Chase refused to file a dispute until I escalated to a manager who filed XXXX. On XX/XX/XXXX I called to check the status of my dispute and they said no actions had been taken and to wait. On XX/XX/XXXX I called and the rep said she didn't have any information about the case so I gave her all the details and she put me on hold then disconnected. I called again, spoke to a different rep, who also disconnected as I was mid-sentence giving her the information all over again. Chase refuses to take my complaint seriously and has given me false and conflicting information despite me never receiving the goods/services I paid for. Their reps have repeatedly failed to take notes of the calls we have and do not take any steps to address my concerns or carry out their duty to resolve this dispute and fairly represent me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04
Company: MEMBER FIRST MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
New hazard insurance in force XXXX XXXX. This premium was paid by mortgage company. A letter to me was sent on XX/XX/XXXXXXXX  explaining that lower taxes and insurance amounts have resulted in a lower payment and that they know I have an escrow overage. 
They won't allow the lower payment to take effect until XXXX even though they've sent in writing that my payment is {$490.00} a month lower. 
The letter said a check refunding the excess would be attached. It was not. I try to call them and they're constantly on voice mail. No one ever answers live. I am also filing with the XXXX  and the Texas State Attorneys General.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, 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:
On XX/XX/2018 someone used my information and tried to open an account at XXXX XXXX and XXXX XXXX XXXX. Both applications were denied due to the applicant being unable to submit proof of identity. However the inquires are being reported on my Equifax credit report. I was trying to buy a house in 2018 and these inquires lowered my score affecting my ability to purchase a home at the interest rate I deserve. I filled a dispute with Equifax and the results of the investigation were as follows : Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. It listed the company 's mailing address but not the phone number, so I had to XXXX and wait on hold and be transferred multiple times before I found the right department. After speaking with both companies, I was told that they will submit a request to all 3 bureaus to have the inquiry removed. I waited 90 days as instructed then checked my report on XXXX XXXX. The inquires were still being reported. I have called Equifax, XXXX and XXXX XXXX XXXX 6 times since this and the issue still has not been resolved. This is not only frustrating but preventing me from giving my children a home. This is unfair and if this is not handled soon I will take this to the media. I'm sure XXXX would run a feature on it considering I have documentation, emails and recorded phone calls. It should not be this hard to remove fraudulent inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: GA
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 have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX BANK XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 that 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 XXXX years. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see identity theft report. Since earlier this year, I have CONSISENTLY disputed fraudulent accounts that are results of identity theft on my credit profile, with all 3 credit bureaus, and they HAVE IGNORED my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19, unauthorized money was transferred from my savings account into my checking account at a location in New York ( XXXX ). CapitalOne failed to inform me of such breach. I was made aware of such fraud when I physically went into one of the branches near where I reside ( XXXX XXXX, MD  ). I closed those compromised accounts and opened new ones. I ordered new checks ( {$27.00} ) and called the 5 vendors to whom I bounced checks to not because of insufficient funds but because of a hold on my checking account. On XX/XX/19 I physically went into a CapitalOne Branch near where I work ( XXXX VA  ) to withdraw money and was then made aware that there was fraud on my new accounts. Once again CapitalOne failed to inform me of such breach. I was informed that someone went into a CaptialOne Branch ( XXXX NY ) on XX/XX/19 and withdrew {$3100.00}. Presumably the same person attempted to withdraw {$2700.00} at another location on XX/XX/19. The teller at the second location suspected fraud and called the police. Once again I had no idea this was happening and CapitalOne failed to notify me. This has put unnecessary stress on me. I've had to change my direct deposit twice with my HR department and since enrolled with another banking Institution. It is worth noting Ive been a customer of XXXX XXXX/CaptialOne for about 30 years. I've had to enroll in XXXX ( XXXX XXXX monthly expense ). I've had to miss several days of work to address these banking issues and to address additional problems with bouncing of check ( s ) at the MVA. The investigator at MD MVA told me that they have been receiving lots of fraud coming out of New York with regards to CapitalOne. It is my opinion that CapitalOne is negligent at best and if not complicit in a cover up of data breach of their system. I believe CaptialOne should justly compensate me for time off work, undue stress and all the headaches and financial burden that come along with Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX reportb. I have accounts with XXXX XXXX that's was paid off yet it's reporting a balance Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
Inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX and XXXX its listed twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX Hard inquries/promotional I HAVE NEVER DONE BUSINESS WITH THEM TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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've reached out about this account multiple times and have yet to get the issue resolved. The credit bureaus are reporting inaccurate unverified info on my credit report that I want to be deleted immediately. Please see attached documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of 2022, a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$9700.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-10-07
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:
The reason I am submitting this complaint is because I contacted XXXX approximately around XX/XX/2023 for the second time and demanded the following experiences be excluded from my consumer report because they violate my consumer rights based on the FCRA. - XXXX XXXX and XXXX XXXX XXXX. The following codes below support my request to have the items above excluded from my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2019-09-30
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started receiving calls and voicemails from local and XXXX numbers in early XXXX 2019 about a debt in the amount of {$130.00} from XXXX. I never acknowledged the debt because as of today, I've yet to receive a debt notice, a letter of debt validation, or anything for that matter, ever. Suddenly on XX/XX/2019 upon checking my credit score as I normally do weekly, I noticed that the debt had been added to my credit report, negatively impacting my perfect score ( and making me angry might I add ). I specifically use XXXX and XXXX XXXX. XXXX XXXX lists the debt being added on XX/XX/2019 for {$130.00} by Radius Global Solutions. XXXX XXXX also lists an address for them located in XXXX, Florida. I was originally going to contact the company myself by mailing a dispute letter. However, the " Corporate Headquarters '' address listed on their site https : //www.radiusgs.com/contact-radius/ is someone's residential address. The other addresses listed are also false, some listed in other countries. Both XXXX XXXX and Radius Global Solutions 's site list the same address for XXXX, FL, but the suite numbers are different. Then, after attempting to verify their license credibility on XXXX XXXX XXXX and XXXX ( Florida Office of Financial Regulation ) , this collection agency has a license in Florida, but their " mailing address '' on XXXX is the address for the XXXX XXXX XXXX XXXX XXXX XXXX in Louisiana, a 4.5 star hotel. This company has several completely different numbers. I believe it's safe to say this collection agency deserves an investigation. I have attached some screenshots below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 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