BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
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:
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 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. 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first 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 items XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$150.00} XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed some accounts a liitle time ago when i check my credit report again and seen some more accounts that did not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 2023-07-05
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Housing Scam on XXXX using Rently lockbox code. 

" XXXX XXXX '' person was able to allow us access into a home he claimed as his own verbally and via text msg. He gained access using a Rently lockbox code. He claims to be the owner and Intends to " meet '' us Sunday XX/XX/2021 at XXXX with keys, confirmed with XXXX XXXX they are the owner so I have no intention of meeting this online scammer. I did not send the additional {$500.00}, however I did lose {$2200.00} via XXXX transaction. 

He told us to pay a deposit of {$1000.00} to secure the home as a rental for 1 year, this person also took another {$1200.00} for " 1st months rent. '' and planned on using a locksmith to remove lock box and change all the locks on the property asking for an additional {$500.00}. 

sent to : XXXX The property he claimed ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Locksmith '' XXXX  XXXX I contacted my bank Chase, they denied my claim immediately and did want further information on my scammer who is still out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called bank to check on balance and was concerned as the amount was less than it should be, the next day I called and my account was over draft. The bank informed me of transactions I was unaware of from my ATM card they suggested to get a new card and so I did this time they did not provide a claim numbe. 
The nex day I clled again and now the over draft was larger and I agin stated it was not me as I keep track of my transactions as I am trying to save some funds towards the future. This time I recieved a claims number. They issued another card. I chekced again and the amount had increased for the over draft and was told that the card was used and I became concerned as I had yet to activate the card. The bank said they would put a hold on the card. I was issued another card and when I called the bank it had been used again. It was a new card and it was yet to be activated!! the bank suggested that I closed the account and restart new. I can not close as my account is overdrafted. they issued another card I did not activate it .... the new card was used the over drft was less than two hundred it is now almost three hundred. I have threee new cards and have activated no cards but someone is still using my ATM cards!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: FL
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:
On my credit file from equifax prior to me filing a complaint XXXX wasn't being reported as the company reporting my bankruptcy. They didn't list there name on my reports until after I filed complaint about inaccurate information. This all happened once I contacted US bankruptcy court here in XXXX Fl who advised me they don't report and court documents to any of the credit bureaus. This is a violation of the Fair Credit Reporting Act with inaccurate and misleading information. Please! Remove this bankruptcy from my credit files. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Commenity Capital Bank has been harassing me for months now regarding credit card accounts that they allowed others ( NOT ME ) to open using my once high credit score and personal information obtained most likely through one of the several data breaches I have been victimized by. Commenity has repeatedly been asked to provide proof of the debt and to provide information about how the accounts were opened ( or in some cases reopened ) without my authorization. 

Commenity has been calling me several times a day now for about five months using abusive and threatening language and refusing to stop calling, refusing to provide proof of debt, refusing to do anything except call me to extort money from me. 

Yesterday, XX/XX/2019, at XXXX XXXX  they began harassing my relatives. Specifically, " XXXX '' at XXXX Extension XXXX called my sister and her husband, Dr. XXXX XXXX and XXXX XXXX XXXX, to harass them about my " debts. '' My sister will be filing a separate complaint about these actions. She is also contacting her Congressman and the Virginia Attorney General. For my part, I will also be contacting my Congressman and my state attorney general since CFPB seems to be giving Commenity a hall pass on their bad and illegal behavior. 

This was clearly an attempt to embarrass me and coerce me into paying them for a debt I do not owe. 

Pursuant to the Fair Debt Collection Act, I have asked several times for proof of debt. This has been met with illegally requesting me to incur great cost and time expense in providing police reports, notarized ID copies and pro viding information that I do not have since I did not open the fraudulent accounts, Commenity did. Under the Fair Debt Collection Act they NEED to provide me with the details. " They were opened on line '' is not valid. I did NOT consent to opening " online accounts '' with Commenity. I am not interested in paying 30 % interest for overpriced items from the vendors for whom they provide store cards ( XXXX, XXXX, XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I apologize for the second complaint but I was unable to submit a response to provide documentation. 
I have a rental property and the mortgage was with XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. ON XX/XX/XXXX I did not have a new account number with XXXX  to make my XXXX payment so I called XXXX and they told me to make a payment to XXXX and they would forward the payment over to the new company. XXXX never forwarded the payment and I was marked late with the new company, but i didn't know this until late XXXX ( the end of my 60 day grace period ). I began making payments to XXXX in XXXX and made intermittent payments throughout XXXX and XXXX to make up for the lost payment. But as of XX/XX/XXXX I was still {$220.00} dollars short of 3 months. They counted that as 60 days late for the XXXX payment and XXXX  reported me to the credit bureau with a 60 day mortgage payment. I have now sold my primary residence and can not get a loan for a new home with that on my credit report and XXXX will not take it off. I believe the problem began with an error by XXXX. I would like XXXX to talk with XXXX to say it was their error and not mine. 
Thank you 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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. 
MXXXX 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 2022-04-05
Company: National Credit Systems,Inc.
State: SC
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:
I am a natural person, consumer writing this complaint and not a credit repair company. 
Thank you for taking the time to review my complaint. 
It has come to my attention that if any individual or company uses your no public personal information to create an account, thats identity theft. 
I am writing today related to an account listed on my consumer report. While reviewing my report I noticed an entry made by National Credit Systems for the amount of {$2300.00}. I disputed the item attached on Monday XX/XX/2022. Following the dispute National Credit System deceptively attempted to settle this alleged account for {$1200.00}. I did not respond. 
I have never initiated any transaction with anyone employed by National Credit Systems nor gave this company permissible purpose for any account to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ).

The reporting of these account is/are violations of 15 USC 1681a and also constitutes identity theft. 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Send me every document pertaining to this entry used to validate this debt, including, a summary of rights, verifiable proof of contract, Complete account history, including any additional charges added, names, addresses, and phone numbers of everyone contacted during your reinvestigation. The FCRA says that these companies has to tell me this in 15 days if I ask. Also, what is the date of the commencement of delinquency? Dont provide the generic 7 years response. I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? 
I refuse to pay this debt, pursuant to 15 USC 1692c ( c ). I wish to terminate all further debt collection efforts related to this entry with National Credit Systems, XXXX, XXXX, XXXX, through all mediums except by mail. I also wish that this alleged account be sent back to the creditor immediately. 



In the absence of information mentioned above, I demand this entry be deleted immediately from all consumer reporting agencies. 
This damaging entry has only added to my emotional distress and anxiety and decreased my credit score. I appreciate your prompt response to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-04-04
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to buy a house and There are multiple negative items on my credit report that are stopping me from getting approved and its ruining my reputation I believe this is defamation of character Credit Acceptance ( Auto ) {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One Quicksilver Credit card.. back in XXXX i reported that 2 identical charges for {$37.00} were charged on my account after i had already checked out of a XXXX XXXX XXXX in XXXX XXXX XXXX.. they started and investigation and finally yesterday Capital one called me and put me on a 3 way phone call with the XXXX XXXX XXXX, first they said that i was charged a resort fee and then after a supervisor of hotel resort said that i was given a discount at check-out that i was not supposed be given.. he admitted that they charged me twice for each room for the difference, since their employee was not suppose have given me the discount.. i explained that it was their mistake and they had no right to charge my credit card.. he admitted that they charged my credit card without my permission or signature and they had every right to do it, i explained it was fraud and the Capital one credit card agent also explained that to them, but they refused to accept any wrong doing.. Capital one agent then told me that i would have to pay for both charges of XXXX.. Capital one recorded the entire 3 way phone conversation ..

Company response to consumer: Closed with monetary relief