BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
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:
I have already disputed all fraudulent inquires twice with transunion. Mailed letters twice. Which I mailed the FTC report with the letters. So here it is again, ...

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
am willing to settle the overdue payments on my account, and I kindly request that you accept my payment as agreed. I am committed to making a substantial payment.

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 2023-12-15
Company: EQUIFAX, INC.
State: LA
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 formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Experian to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts : XXXX XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX  - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 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 send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/2020 there was a direct deposit funds transfered to a checking/savings account that was not mine in the amount of {$3000.00} bOFa sent me a new card but never refunded my money and i guess they denied my claim, also again on XX/XX/2020 another direct deposit funds transfer to another or same checking/savings account in which bOFA said they were removing that unknown linked account this time the amount was for {$160.00} and again on XX/XX/2020 in the amount of {$400.00} i filed claims for each of these transactions and bofa has said nothing in reguards and they have not refunded or giving me any updates

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 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 am writing to dispute the incorrect reporting of my credit balance by Capital One Bank. Within just 5 days, my credit was reported to have a balance of {$60.00} and {$310.00}, when in fact my actual reported balance was {$0.00}. I have no idea why my credit was reported in this way, as I have not made any recent purchases or payments. This error is causing me great frustration and concern, as it could negatively impact my credit score and financial standing. I kindly request that Capital One Bank investigate this matter and correct the error as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Funds were not disbursed as promised. Chase notified me via phone call that my monies would be sent via check in the mail, since my account was mistakenly closed due to supposed fraud after I deposited a check from my employer XXXX which they later confirmed was legitimate, and in fact there was no fraud. A Chase customer representative apologized and promised my funds would be sent via check to my mailing address, yet to this day I have never received it. 

Chase Personal Checking Account was opened in XXXX. 

What really scares me is theres a huge online community of previous Chase account holders against Chase Bank. And thats not even the scary part yet. There seems to be an underlying theme that Chase Bank associates account holders with supposed fraud and closes their accounts, ultimately freezing their funds permanently not allowing the account holder access to their hard earned money. I just want my money back from this institution, and in return I will not open a lawsuit against them. They closed my account without notification, XXXX. I was in severe financial hardship. They took everything. Giving back my funds is the least they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 disheartened to hear on XX/XX/2022 XXXX XXXX XXXX, chairman of a XXXX XXXX XXXX say that Transunion has longstanding problems with responding to consumers who raise complaints about credit reporting errors.They continue to report this error on my report and are refusing to re-investigate and resolve the matter. XXXX and XXXX completed their investigation and fixed the error on my consumer report with them but Transunion still refuses to correct their error. They will not send me copies of the documentation they used to verify the account is accurate. I also previously submitted several complaints with you that have not resulted in a resolution. XXXX XXXX XXXX also said that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. This is completely accurate with my ongoing issue with Transunion. They have not corrected the error after numerous requests from me since the Corona Virus pandemic. I am demanding the CFPB step in and require them to immediately delete this account from my 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the Items as soon as possible.

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 2021-11-17
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX. I contacted this institution in regards of two charge off credit cards, they keep reporting it to the Credit Bureaus. They are in violation of the credit reporting LAWS they sent me a statement but never sent me confirmation of HOW these two accounts were actually initiated who did it, they MUST provide me with a signature of me OR even a picture ID of me to verify it was me in fact who opened these two accounts. I am going to be filing a law suit against XXXX if these accounts are NOT removed from " ALL '' credit bureaus within 15 Days of receipt of these complaint. They would take money out of my checking account to pay for those credit cards and if there was no money I 'd be locked out of my account something for which they already been sued in the past and I WAS NOT compensated at all. 
I demand for XXXX to either provide me copies of my signature or picture of my ID, if you can not provide either then you are in the obligation by law to remove both of these charge offs accounts from my credit report. ALL Bureaus. I do not want to ever do business with XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
Hi XXXX  Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the XXXX XXXX XXXX XXXX ( XXXX ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the XXXX, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important 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 non-monetary relief
Consumer complaint received 2023-01-27
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 was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

Company response to consumer: Closed with explanation