BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
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  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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Personal Statement I was incarcerated for 8 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXX ), Account # XXXX ( XXXX XXXX ),. These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my ChexSystem Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed immediately please and thank you

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 2022-10-17
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2022-10-12
Company: EQUIFAX, INC.
State: TN
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 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.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX XXXX  {$570.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$320.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 2020-02-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receiving letters from Sherman Originator claiming I owe almost {$6000.00} on a XXXX XXXX  XXXX XXXX card turned over to them. They refused to give me any details without my SS which I refused to provide them. I checked my credit report and no sign of this debt. Ive contacted XXXX XXXX who verified I had an old closed account with XXXX balance. I havent had an account with them in decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CT
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX  Account Name : XXXX Account Number : XXXXXXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2023 i deposited a check into my account from a customer/associate for a car that he purchased from me.the BOA put a 7 day hold on the check the funds were collected from the other party account the next day! 5 days into the check being held on my account i was informed that BOA was closing my account due to me depositing a counterfeit check .upon talking to BOA XXXX informed them that the check was a real check and provided them information to get in contact with the maker they gave me a XXXX business day period to let me know what the out come will be i also provided BOA with a notarized letter from the maker of the check. so now BOA has not released my funds they are saying my account is going threw a closer process i informed them that i want my account closed now! i asked if the funds can be returned to the organs or where they came from BOA has not given me any answers and they still have the money all i ask for the, to do is return the money or give me access to my account the amount is 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 monetary relief
Consumer complaint received 2020-12-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was used fraudulently on XX/XX/XXXX by someone else without my permission I assumed it might have been a friend of mines daughter that did it because my purse was left in her vehicle while I was hospitalized i later confronted her and she denied it was her and said her car was burglarized and vandalized so she doesnt know who used my card either therefore i made a claim with Wells Fargo and disputed tge transactions I was put on the phone tgree days before XXXX with a guy I could barely understand what he was saying I had a horrible time hearing him I had to have him repeat himself multiple times throughout the call and I tried explaining this situation to him he canceled my card and refused to issue me a refund for the stolen unauthorized transactions that were used on my card he told me to take all the people I suspect to court to get my money back I currently have XXXX and I am XXXX this is insane i humane and horrific behavior towards myself I cant imagine what I am going to do Im stuck inside my home quarantine due to XXXX and can not use my debit card because my card was canceled and no refund will come or is going to happen, I need the money that was stolen from me returned to me ASAP I need an apology and better communication between the bank and myself here it is three days until XXXX I have XXXX  and can not leave my home yet I can not purchase anything online because my card was used fraudulent and canceled by the bank and they refuse to refund me the stolen money because they said I need to take the suspects to court well I do not know the person that stole my card and first assumed it might have been my best friends daughter but after I confronted her she denied this and stated her car was broken into so it was an unknown person I need my money back

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2021-05-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving these phone calls about three months ago. It was the Synchrony Bank call center as far as I can tell. I asked why they were calling me. The answer is always " give us your account number or we can't help you ''. I haven't had an active account with them for six years. I did not have any account information as I had disposed of it years ago. I started by just ignoring the calls. They kept coming. I called back. NO solution, no help at all. I started blocking the call center numbers. They kept coming. I have asked to speak to a manager of some kind. They can't do that. I have been hung up on repeatedly, I have 18! voicemails from just the last couple weeks. I spent six hours on the phone with them on Thursday, XX/XX/2021. I have been told repeatedly " don't worry you won't receive any more calls ''. Last Thursday someone tried to tell me my XXXX XXXX XXXX mother, that lives across the country, had to do a conference call with them because it had to do with her account. My mother paid off her account years before I even had one. I suffer from XX/XX/XXXXandXX/XX/XXXXproblems to the point I am on XXXX and can not work. The XX/XX/XXXX this is causing me is affecting my life. I can't get any solution with the company. I deleted the only text I had gotten from them about owing some company I had never heard of much less bought anything from. They have also tried to tell me I have more than one account but won't explain to me who is using it and for what. I'm extremely confused and frustrated! I just want it to stop. Care Credit and Synchrony Bank will harass you until you die even if you don't owe them. One more thing, now when I call back they ask if this account holder is in Nevada. I've never lived in Nevada.

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 2021-12-02
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, received a penalty from the county for unpaid property taxes despite the fact I had been making monthly escrow payments with my mortgage through United Wholesale Mortgage. I requested that they pay the property taxes ( {$6400.00} ) with my escrow balance, and that they take responsibility for the penalty ( {$650.00} ) as is required when escrow fails to pay taxes. Since they did not respond to my request in a timely manner, I paid the taxes myself to avoid additional penalties and notified them to disregard the original message. A couple days after, they paid the taxes and penalty out of my escrow account despite my notice to cancel. 

I called the county for a refund due to the double payment and they obliged. After reviewing it, the county sent the refund of {$7100.00} on XX/XX/XXXX and provided a warrant number to track the deposit. However, the refund was sent to the escrow bank account rather than mine. I then called UWM to track down the refund and send it to me. 

Between XX/XX/XXXX to current date, I called them 8 times to follow up on the status of the refund. Each time I called, a customer service representative told me that they have been unable to locate the refund despite the fact that I provided the exact warrant number from the county. They said that someone would look into it and that I should call back in a couple weeks. In the 3 months that I have been following up, no one from United Wholesale Mortgage has looked into the issue or made any progress. As of today ( XX/XX/XXXX ), United Wholesale Mortgage has sold my loan to another financial institution and is claiming that it is the responsibility of the new loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
My XXXX XXXX money order was stolen, fraudulently altered and forged by a TD Bank customer, who then deposited the money order into its TD Bank account through TD 's ATM machine. TD Bank, as the XXXX XXXX XXXX XXXX, was not authorized to clear this stolen money, and is legally liable to reimburse me for my loss, {$180.00}. TD Bank sent a letter to XXXX XXXX denying my request for reimbursement on XX/XX/XXXX despite its own letter stating : " If an item contains both an unauthorized signature of the account holder or purchaser and an alteration it is deemed to be a forgery and the drawee/payor bank is liable ''. TD Bank is the BOFD/drawee/payor bank! In follow up, I received a letter from TD Bank dated XX/XX/XXXX asking me to re-submit to TD Bank my claim in the format it needed ( altered payee only ) even though the money order had been both altered and forged, and assured it will refund my money. Throughout numerous conversations with TD Bank 's XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) I was assured TD Bank will reimburse me once it received the new submittal from XXXX XXXX, but repeatedly lied and claimed they never received the form from XXXX XXXX. XXXX XXXX, through my CFPB complaint, responded it had in fact furnished TD Bank TWICE with the newly submitted claim form ( for altered payee ) back in XX/XX/XXXX, to which TD Bank repeatedly lied and claimed it never received. I intend to sue TD bank in Small Claims Court for my loss, and am at a loss to understand their scheme to cause intentional harm and defraud me out of my right to reimbursement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
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:
My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that XXXX accounts that I have no affiliation or knowledge of has been placed on my credit profile. I requested account verification, and this will now be my XXXX  attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681B. 

ACCOUNTS LISTED ARE : 1.GENESIS CREDIT/XXXX XXXX XXXX, the account balance is {$4900.00} ( not sure when opened ) 2. XXXX XXXX ( account is dating back to XXXX ) and unsure of the balance I also have an inquiry listed for a company called XXXXXXXX XXXX from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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: Was not notified of investigation status or results

Complaint:
15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( XXXX ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY

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 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX  and this company processing this bankruptcy are both violating my FCRA and the FDCPA by lying about this verification for this debt. Transunion and XXXX  bith removed this public record for being inaccurate and unverified but yet XXXX  refuses to remove it because they dont actually require this company to present any proof of this collection. They do not have the right to allow companies to report unverified information without proof. I have requested a discovery that would include all the necessary documentation to prove this bill as an actually verified collection. They do not have the original contract with my signature agreeing to pay anything to anyone which is needed as proof also they will need to have all terms and agreements with me and the original creditor in order to place this on my report. They also need proof of my identification card as well as proof of my full social security number and address updated phone number etc. They have not provided any of these documents to verify this debt so they must remove it.

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