BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account number - XXXX XXXX XXXX XXXX  - XXXX Completed XXXX separate payments via telephone for {$300.00} total. Payment made with XXXX ending XXXX. Reference numbers : XXXX & XXXX. 
Not responsible for closed account. Account balance and payment history, incorrect. Payments for {$150.00} USD submitted XX/XX/2023, and XX/XX/2023. Currently, unable to dispute with utilization of TransUnion dispute tool. 

The report is displaying owed monies to a company that has already been fully paid. Please review attached, supporting documents from financial institution. From TransUnion, TRANSUNION, TRANSUNION LLC, the information in the remarks field is not 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 2023-01-03
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 2nd time this was submitted to the credit agencies. Last year it was a different collection agency and it was disputed and taken off my report. This was for an XXXX XXXX XXXX phone bill in Texas. This is not my bill but I dont know if its identity theft or mistaken identity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got an alert that XXXX XXXX added two accounts to my credit reports. I have not ever done any type of business with this company. They bought this debt from another collection company I did not owe which is not lawful and this company show be taken to court by the cfpb for putting false information on a consumer credit report.i am requesting validation made pursuant to the fair debt collection practices act and the fair credit reporting act along with corresponding local state laws. I am requesting validation that is competent evidence bearing my signature. showing that I have or ever have some contractual agreement obligation to pay XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
COMPANY TRANS UNION IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. TRANSUNION IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH TRANSUNION HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH TRANSUNION HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. TRANS UNION CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY TRANS UNION IS IN VIOLATION OF : 1. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 
2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDXXXX AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND ACTIVE DUTY ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN TRANSUNION WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND TRANSUNION WILL NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. 
ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY TRANSUNION WILL NOT REMOVE THIS INFORMATION. TRANSUNION CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! TRANSUNION YOU ARE BREAKING THE LAW CONTINUOUSLY.

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 2023-06-14
Company: Ability Recovery Services, LLC
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2023 I noticed something wrong with my credit report information was being reported to my debt collections from Ability Recovery Services LLC in regards to a debt that was in my name by XXXX XXXX thought it was weird because I never attended the school so I began to complain my case was referred to FTC I will be attaching both the their report and the Police Report that was recently made in regards to this matter.

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 2023-06-13
Company: Paypal Holdings, Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got my identity stolen because i first found out was on XX/XX/XXXX at XXXX XXXXsaying my payment of {$1300.00} has been charged to an account that supposed to be mine, but I dont have an active account with them. they said the order number is : XXXX and the payment mode was online. I contacted the number XXXX XXXX XXXX for customer support because it said if i did not recognize the transaction or dispute it to call. some one with a hard accent told me the order and account was started in california and when he found out i live in washington he said to use a comp [ uter right now so he can giude me through but i said i didnt have a computer in front of me at the moment, so he said his boss would be getting hold of me within XXXX hours, anbd never did. today i looked up the paypal number and its XXXX XXXX XXXX XXXX totally DIFFERENT! Then i get a email from XXXX saying payment comformatiopn XXXX of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) was sent to Texas address XXXX XXXX XXXX XXXX, XXXX TX XXXX, United States. Order # XXXX saying they are from XXXX and it will arrive on XX/XX/2023, XXXX and to call them at XXXX. I reseched XXXX number and its different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries 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 2019-05-07
Company: CITIBANK, N.A.
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:
I received a call from social security administration ( display on my phone ) stating that my personnel identity has been stolen and there are 7 charges ( from various government agencies filed against me ) including money laundering etc. and an arrest warrant has been issued. I have to cooperate with local police if I don't want to go to jail, who then connected me to local police no. person on other side gave his name and badge no, saying I have to follow their instructions. Since I am new immigrant to US and got threatened and followed their instructions of purchasing  gift cards of XXXX and provided them the detail of same ( their instruction was to first secure the funds first and place it in XXXX   account and once new SSN is issued I can open new bank account and transfer this money from this account to new bank account ). Once I realized that I am victim of fraud I did call Citi bank and XXXX  gift cards but it was too late. I also call local police ( who said a big scam is going on so ignore those calls ), still I insisted to file a complaint and they did so. Its very difficult for me to meet both ends and save some money for my kids education and now I feeling robbed and in bad mental state as I am not able to realize that, how can I do such thing and was hoping that City bank could have look at my case as genuine and help me to cover all or some these fraud charges.

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: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've asked several times for the item to be removed and spoke with them about this being fraud, but they've yet to remove it. [ XXXX credit card ending in XXXX & XXXX XXXX Account ending in XXXX ] I've failed an FTC report detailing the fraud. Initially I was told to focus on the CFPB, but I've filed several disputes and it hasn't been working. They provide me a blanket answer.

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 2023-09-18
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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX Account number 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.

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 2023-01-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not apply for no XXXX credit Card from XXXX to XXXX. Someone else did this without my consent and this is fraud and theft as well. The account # that showing on my credit report is XXXX. This needs to be remove immediately off my credit report from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It's been more than a month, I have been informing agents that works for Lakeview Loan Servicing that the reports they have on my credit reports is totally wrong. I got this mortgage back in XXXX, XXXX and I have never at once paid them over 30 days late. I will not deny the fact that I have made some payments past the 15 days grace period but never at once paid past 30 days late. They reported me to the credit bureau that I was 12 months late on my mortgage payments, for the whole year of XXXX.. I tried all my level best to let them know that you have the wrong reports on my credit file but they refused to understand my request and deliberately just don't care about my complaint or just trying to ignore what I was telling them. I was reported 12 months late for the entire XXXX, while I did made my mortgage payments that whole year.

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 2023-06-13
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Recently I was the victim of identity theft and needed to freeze credit reports and put fraud alerts on my accounts. I also requested credit reports. XXXX and XXXX has correct information listed and accurate credit scores. Equifax does not show my refinanced mortgage which I am the co-borrower with spouse on dating back to XX/XX/XXXX. Payments have never been missed and we are good customers. The Equifax report indicates that my score is lower and it is lower by XXXX points due to not having enough credit. 

Since XX/XX/XXXX, I have made numerous calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to please correct this information. Equifax has specifically asked that XXXX contact Equifax directly to correct this. I was told by XXXX that the CEO of XXXX is aware of this issue and reports XXXX has no obligation to report to Equifax. 

I do not understand why XXXX refuses to correct this issue as is impacts my ability to seek credit at the best possible rate which is something that will be occurring later this year when a purchase a new vehicle. XXXX is not prevented from correcting this error the XXXX XXXX just does care to take the important extra step to resolve an error on my credit report that directly impacts me. 

This is not ethical or good business practice. It impacts my finances directly and is easily correctable. I want XXXX to formally correct this issue to Equifax to reflect my mortgage since XX/XX/XXXX, which is in good standing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I injured XXXX in XXXX Georgia store number XXXX to purchase some car paint which came up to {$76.00} I paid {$71.00} on my card I was going to pay the rest in cash after I swipe my card and the money was deducted from account their system froze and was unable to complete the transaction they said the money will go back to my card within three days it is now XX/XX/XXXX and I still have not received no money from this company cash app says that they have not received no payment but XXXX says that the money had cleared and was posted to my account through a pin debit net workI spoke with both companies regional offices and managers about the situation they both keep directing me to the other company for a resolution at this point theyre both saying they dont know whats going on or where the money is so I just point theyre saying that Im out of {$71.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
there are XXXX inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  I never attempted to get these accounts.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not apply for no XXXX credit Card from XXXX to XXXX. Someone else did this without my consent and this is fraud and theft as well. The account # that showing on my credit report is XXXX. This needs to be remove immediately off my credit report from all XXXX credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my account and blacklisted me from being able to open an account in another bank by reporting to XXXX ( XXXX XXXX XXXX ) due to suspicious fraudulent activity which I am innocent of. I was unable to open an account in XXXX XXXX XXXX because of this. They also did not allow me to withdraw my money, and made it impossible for me to get paid since my current employer only uses direct deposit exclusively through the usage of a void check and I am unable to obtain a checking account. The fraudulent activity which is the reason why they closed my account was due to 4 transactions made on XXXX in which I was involved. These transactions were on XX/XX/XXXX for XXXX dollars, XX/XX/XXXX for XXXX dollars, XX/XX/XXXX, for XXXX dollars, and XX/XX/XXXX for XXXX dollars. My mother transferred money from my fathers XXXX account into my XXXX account which I then transferred into my Chase checking account. My parents notified around XX/XX/XXXX that the transactions were made by them and that no fraudulent activity had occurred. My bank received a notification as per XXXX XXXX fraud investigative procedure stated on their website that they will communicate to banks and institutions in order to investigate fraud. My bank then put a restriction on my account and on XX/XX/XXXX I was unable to access my account. I contacted chase twice on the phone and went to Chase bank to explain what had happened. But chase employees notified me that my account would be closed in 2 weeks and there was nothing I could do about it, refusing to give me any detailed information about what had occurred. I do not care if Chase does not allow me to have a Chase bank account. But they have ruined my credit history and I am unable to get another bank account in other bank for at least 5 years and have cause me large set backs in my income, leaving me with absolutely no money to pay my bills since they did not allow me to withdraw my funds, blacklisted me from obtaining another bank account in another bank to get my direct deposit and so I can get paid by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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.

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 2021-10-25
Company: EQUIFAX, INC.
State: IA
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 HAVE SENT TWO DISPUTES TO EQUIFAX WHICH THEY ARE NOT TAKING SERIOUSLY.  THEY AHVE BEEN ADVISED TO REMOVE XXXX XXXXXXXX XXXX XXXX XXXX IL FROM MY CREIDT REPORT, THEY HAVE BEEN TOLD TO REMOVE THE CONSUMER STATEMEWNT "INQUIRES ARE NOT MINE" THEY AHVE BEEN TOLD THAT THE LSITED INQUIRES ARE NOT MINE, THEY ARE FRAUD APPLICATIONS TO DELETE WHICH THEY HAVE FAILED TO INVESTIGATE UNDER THE FCRA REQUIREMENTS  INQURIES NOT MINE: EQUIFAX  MORTGAGE SERVICES 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