BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$650.00} XXXX ( Original Creditor : XXXX NC ) XXXXBalance : {$260.00} XXXXXXXX XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

XXXX XXXXXXXX : XXXX, XXXX : 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, 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 2023-04-12
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:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.

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 2022-02-17
Company: EQUIFAX, INC.
State: TX
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:
I have notified XXXX in writing that I DO NOT CONSENT TO E-OSCAR or any automated investigations. I making that clear to you CFPB and XXXX. If I need to report this matter to the FTC I will with no hesitations. Yes, I XXXX XXXX XXXX XXXX XXXX am filing this complaint for myself. I know that you all try to stall process thinking a consumer has another company submitting for them, but I have enough sense to file a complaint for myself. 
In XX/XX/2022 I filed a dispute with XXXX regarding late payments being inaccurate on my credit report with XXXX XXXX. I have continuously tried to correct this issue with XXXX and have not been successful. Today XX/XX/2022 I have submitted a dispute online and have uploaded my documents for proof of my payment history that I have received from a member of management from XXXX XXXX in person. When calling in to XXXX today XX/XX/2022 I spoke with a U.S. supervisor regarding XXXX XXXX account as well and she said that she didn't see any lates, well if she doesn't see any lates then why are they reporting them on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check to my checking account eight days ago. I found out the bank the check was drawn on had paid the check days ago. My bank refuses to release the funds. I called my bank and asked repeatedly for an explanation as to why and the bank specialist hung up on me. Why do they get to have my money and refuse me access to it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Home Loan Center, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bait and Switch Advertising... XXXX... .Lendingtree is Advertising a Interest Rate ( APR ) that is not real and is false. This feels predatory in nature. Once I clicked on the ad and gave my information on the website, 5 diff banks called me and said the rate does not exist. So, I called the Lending Tree Corporate and spoke to XXXX XXXX XXXX XXXX about this. They had no explanation or solution. Thus, I opened a case # XXXX. I have copies of this email that was send out to several hundred thousand people and this rate is not available and is malicious in nature. As I time this email, I am continuing to get calls about a rate that does not exist. 

They advertise a 2.03 % 15 year Fixed Rate in order to get people to call in then they switch you to a higher rate or different product. Not one of the lenders could account for this discripency. I am ready to move forward with the 2.03 % 15year ( fictional ) rate, but yet no one can give this too me per the ad. I ahve a copy of this ad, please feel free to contact me at XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Medical Data Systems, Inc.
State: PA
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:
On or around XX/XX/2018, I became aware of Medical Data Systems furnishing negative information to my credit bureau report concerning an alleged past-due medical bill in the amount of {$75.00}. Upon contacting Medical Data Systems, I was directed to the billing offices of XXXX   Hospital to verify the information provided. While contacting XXXX, I spoke with a helpful woman by the name of XXXX ( spelling of this name may be incorrect ) who advised me that XXXX  sent the initial statements to an incorrect address ( where I have not resided for 9+ years ), and that upon payment the negative entry to my credit bureau report would be COMPLETELY DELETED - she advised me that a woman named XXXX XXXX at Medical Data Systems would be personally deleting the entry. Upon receiving this information I submitted payment in full to MDS on XX/XX/2018. Upon calling to verify that the entry was submitted to the reporting agencies for deletion, I was advised it had not and advised to call XXXX 's office again. I contacted XXXX and they, again, assured me that they would work the problem out with MDS. Waiting a week, I then contacted MDS yesterday to speak to this XXXX XXXX and was transferred to a collection floor representative 's voicemail repeatedly over a period of 2+ hours. At this point, in addition to the mis-information provided, I also have issues regarding the Fair Credit Reporting Acts violated by Medical Data Systems and, by extension, XXXX Hospital due to CBR reporting without initially validating the alleged debt in question.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2022 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: NC
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:
After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all XXXX credit bureau because it effecting me in negatively. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX duplicate XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX IXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
My credit report in reporting fromXX/XX/2019 -XX/XX/2019 120 past due - Once I was out of default, it was to be removed from my credit report,. which it has not. it is preventing me from moving forward in life, and my loans have now been consolidated, and current in an income driven repayment plan. I would like the default removed and updated, which is standard protocol from my credit report.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; 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 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Kohl 's charge card was blocked some time ago, but I made payments anyway even though I could not purchase anything. I have been harassed for quite sometime now, and reported to the Kohl 's company that my card and account charges were due to identify theft. They have not considered I was a customer for sometime and have been harassed only to make payment on a debt that is due to identity theft. During a time I was under contract with the U.S. Government for confidential assistance during the XXXX war, my card was hacked and any debts are the result of identity theft which I have repeatedly told the company. I continued in good faith to make payments waiting for Kohl 's to advise they would take care of resolving the matter. However, as a good customer and at a time of national urgency, Kohl 's has repeatedly ignored my statements regarding identity theft. In addition, Kohl 's has violated the no-call list of which I am listed on, with repeated harassing calls, and with robots calls everyday of the week including weekends and holidays ; I have tried to work with the company but am harassed for no good reason. I have been offered information that I can file suit based on violation of the no-call list and disregard for debt I alerted Kohl 's on which is result of major home invasion, property theft and identity theft. It is suggested I can sue for harassment and no-call violation which is now option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue.

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 2022-05-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal is knowingly allowing theft and fraud to occur on their platform. I was involved in an identify theft and phishing scam through XXXX XXXX on XX/XX/XXXX which involved sending money through paypal. This should be case number : XXXX I notified XXXX within 2 hours of discovering the scam and asked them to stop the transaction. I provided details as well as photos and conversations including a photo of the perpretrator admitting through Paypals communication platform that he/she was not the intended recipient of said transaction. The phone call to Paypal support was outsourced to an Eastern country. They said they would investigate and I would hear back, my instinct could tell they were just trying to rush me off of the phone rather than actually do something about it, I escalated to a manager, and was promised return phone calls or an email resolution. Through persistence I got a manager on the phone, I asked for reference numbers for investigation as well as proof of an SAR suspicious activity report. Turns out there would be no SAR submitted which is a federal law through Dodd Frank as well as Bank Secrecy Act. When I did hang up the phone I received an email almost immediately that investigation was concluded. After completely giving up on Paypal following federal guidelines I called my bank and put a block on the transaction. Paypal is now harassing me sending me emails and letters that I owe this money. I want paypal investigated for encouraging/enabling fraud as well as noncompliace with Dodd Frank submission of SAR and other mandatory fraud and AML compliance documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit 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:
On XX/XX/XXXX, my credit card was fraudulently used, resulting in a charge of {$690.00}, along with an additional {$20.00} international transaction fee being added to the bill. I reported the incident immediately ( within XXXX hours of the fraudulent activity ). A few days later, I received a notification and a letter from Bank of America ( BoA ) stating that the claim I had filed was closed, and that the fraudulent transaction had never been posted to my account. However, the fraudulent charge remained on my credit card statement. Following this, I repeatedly called BoA to dispute the charge. During these interactions with their inefficient customer service, numerous representatives told me it was a system error and that no investigation had been initiated for the previous claim. They promised to help me open a new claim, but every time I hung up the phone, no new claim was established. Even more troubling, XXXX representative maliciously altered the claim amount to as high as {$2000.00}, which was immediately closed. This forced me to call BoA 's customer service weekly, but I never received a resolution. Additionally, if I am unable to pay off the fraudulent charge promptly, I will be penalized with a delay fee and it will negatively impact my credit score.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$120.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX : {$1900.00}

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 non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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. Please delete the accounts : XXXX XXXX : Bankruptcy Reference Number XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX ; {$0.00}

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 non-monetary relief