BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Transunion, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
XXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXX XXXX Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, 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 2023-04-23
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 XXXX Account # XXXX XXXX has violated my rights. 

15 ISC 1681 Section602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also. States a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please remove all late payments from all three 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 2020-02-15
Company: Experian Information Solutions Inc.
State: FL
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 receive a business report from Experian XXXX XXXX Report stating I have 3 equipment leases which I don't have and other persnlsvcs of which I have no idea what this even is. On top of this they are reporting under my business name another person as a member that was removed since 2017 as a member manager. This is the type of reporting we get from supposed respected company 's operating in the USA unbelievable. 

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Fl. 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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Hello! I have never missed any payment for anything in my entire life. Due to an error of XXXX XXXX XXXX XXXX, my XXXXredit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from XXXX XXXX XXXX XXXX that has significantly impacted my otherwise perfect credit. 

I opened a XXXX XXXX XXXX XXXX Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. XXXX XXXX said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from XXXX XXXX XXXX XXXX over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted XXXX XXXX and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more. 

People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for XXXX XXXX XXXX XXXXXXXX XXXX poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people.

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 2018-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
RE : Account # XXXX Claim Dear Chase bank, Your bank recently cashed a check from my account ( check # XXXX ) to payee XXXX XXXX. 

The check was mailed but never received by XXXX XXXX yet you cashed the check and removed the funds from my account even though the check was NOT endorsed. 

As a long time customer of Chase bank, Im appalled and XXXX   stricken how a credible bank can commit such an error, and then inform the customer that Im equally to blame because I quote Share the responsibility with the Bank. 

You could have easily returned the funds to my account while you conduct your investigation which Im told can be up to 3 months. But by not doing so, you have eliminated any confidence I have in you as a credible financial institution. 

Be advised that I have filed complaints with several agencies including the CFPB ( Consumer Financial Protection Bureau ). You will undoubtedly be hearing from them in the near future. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} The account labeled as XXXX XXXX XXXXXXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$180.00}. I believe the correct balance is lower. Moreover, the Past Due amount should not be presented for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$1300.00} is inaccurately reported with a balance higher than what I recall. As this account has been presented as closed, the Past Due amount should not be provided. I recommend addressing this misleading data directly with the creditor. I intend to take necessary action, but I request that Equifax mark this account as disputed in the meantime. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$0.00} has inaccurately been reported as never late. I kindly request that Equifax correct this information to accurately reflect that the account was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
XXXX XXXX bank has falsely reported to all XXXX credit bureaus in XX/XX/XXXX that I missed a payment reducing my credit limit and and affecting my credit score. In the end of XXXX or beginning XX/XX/XXXX I received a phone call from a XXXX XXXX comenity rep before my bill was due asking me for a payment. I paid the balance in full {$160.00}. A week or so later i receive another call from them stating that I never paid the balance and a payment was due. I explained what happened on the previous call and asked to speak with a supervisor. 

I spoke with a supervisor who told me that they had an issue with the system and my payment did not go through. I checked with my credit union while speaking to the supervisor and the payment did not go through. XX/XX/XXXX I paid the balance in full {$160.00}. When i checked my credit report i saw that they reported to all 3 credit bureaus that i missed a payment and my credit score went down. I called and spoke with a customer service rep and i was told a supervisor would call me on a wednesday or thursday and i never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from XXXX XXXX staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX points with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX of each month. They only use XXXX and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX points  based on the date reflected on the report they ran in early XX/XX/2023. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of XXXX looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.

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 2020-02-15
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
American Express Serve cards are prepaid cards treated as credit cards. In the meantime ruing credit worthiness while holding the consumers personal funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2020 There are several complaints on this company for communications tactics on your database. They still have provided enough information that I have requested several times and they have not provided. I've submitted several complaints and they chose to ignore the FAIR CREDIT ACT. So what can be done about them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$100.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Fraudulent purchases were made on my Home Depot credit card account. Citibank , N.A . is the issuer of this card. I provided my signature to them to prove that the signatures that appear on the store sales drafts do not match the signatures of the authorized users of the card. Citibank is maintaining that I am still responsible for the payment. They have reported adverse information on my credit report and suspended my credit privledges.

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 2019-08-04
Company: Medical Data Systems, Inc.
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i dint know that this was on my credit and i notice that they are sending me letters saying that i have to pay the debit but i know it is not mine or if it is my i dont know why i am being charged for

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 2023-08-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I want these items immediately re-investigated and for a good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: W&A Intermediate Co., LLC
State: NC
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:
Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions.

Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation. 
The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.

Company response to consumer: Closed with explanation