BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
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: Credit inquiries on your report that you don't recognize

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 2023-05-13
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 U.S. Code $ 1681c-2a 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 four business days after the date of receipt. It has been over 30 days ( about 4 and a half weeks ) and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am a victim of identity theft. Two fraudulent credit card accounts were opened with my personal information in XXXX, XXXX from American Express ( balance : {$11000.00} ), and the other from XXXXXXXX XXXX ( balance : {$1000.00} ). I never opened these accounts or allowed other people to open them on behalf of me. I never benefited from any of these two accounts. I am never affiliated with the addresses associated with these two accounts, and I never received any cards from these two creditors. After I discovered the fraud accounts on my credit reports in XXXX, I filed the police report and FTC report and sent them to both creditors. XXXXXXXX XXXX accepted my dispute claim. However, American Express handles the fraud case in an unprofessional and negligent way, which has tortured me for more than one year. My communications with American Express are listed below : XX/XX/XXXX The fraud account was discovered, and I started working with American Express to file a proper claim. 
XX/XX/XXXX XX/XX/XXXX XXXX dispute claims have been submitted with proper documentation, but all claims were denied by American Express : We have reviewed your dispute and are unable to accept your claim since you received and used the Card issued in your name.. During this period, I called the American Express fraud department countless times, and all representatives refused to provide more detailed information to explain why the dispute was denied. The cases were usually denied within 6 calendar days since they were created. 
XX/XX/XXXX Started working with a specialist from the American Express XXXXraud department. I provided all the information as requested by the specialist. In our last call, the specialist scheduled our next call on XX/XX/XXXX, but I never heard back from him ever since. 
XX/XX/XXXX A debt collection company reached out to collect the debt on the fault account. I told them that this is a fraud and the representative marked it as a fraud. 
XX/XX/XXXX Started working with a representative from the American Express Executive Office XXXX EXT XXXX. 
XX/XX/XXXX The representative advised that the claim had again been denied even after providing all requested information. The fraud team has done some research to come to the conclusion that you have benefited from the use of the card. The representative refused to provide any additional details about the research done by the fraud team and told me that this is the final decision. 
XX/XX/XXXX Submitted proper request to American Express XXXX but no response as of XX/XX/XXXX. Tracking Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Ascendium Education Group
State: NC
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:
ASCENDIUMEDUCATION keeps a re-aged account insisting that an account was opened in 2016. I was not in school at this time and they keep verifying account with credit reporting agencies. XXXX  does not exist for this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NC
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax 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  EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have an inherited IRA held by J.P. Morgan. In XX/XX/XXXX, I provided paperwork to XXXX XXXX to transfer the IRA to XXXX XXXX. I was informed by XXXX XXXX that J.P. Morgan had  refused the transfer, and had done so for an improper reason. J.P. Morgan claimed that it did not have my mother 's name on the account. ( This is difficult to understand since my mother held the account at J.P. Morgan before she died. ) First, XXXX XXXX asked J.P. Morgan to complete the transfer. Second, on XX/XX/XXXX, I called J.P. Morgan at the number it had provided, but I was unable to leave a message. Third, the same day, I emailed J.P. Morgan. I have received no reply. I need to promptly complete this transfer. 

XXXX XXXX 's explanation is copied below with identifying information omitted : On Fri, XX/XX/XXXX at XXXX XXXX XXXX wrote : Hello Mr. XXXX, I work with XXXX at XXXX XXXX in XXXX, WA. I am handling the transfer of your Bene IRA from JPM to XXXX. I received a phone call today from my back office letting me know that JPMorgan has declined/rejected the transfer because THEY do not have XXXX s name listed on your account there.even though it is a Beneficial IRA and they would have needed her information at the time the account was opened or funded. 



This is, in my opinion, an unacceptable reason to reject, since they have the ability to correct the title on their end. Apparently, they are choosing not to do that. 



I made several phone calls today hoping to avoid you having to contact them, but Im told you must call or e-mail them and request that the title or stencil information be corrected to include XXXX s name, then we will be able to resubmit the transfer once that has been done. 



Here is the contact information I was given for JPMorgan : E-Mail : XXXX Fax : XXXX Phone : XXXX I would be more than happy to join you on a conference call to JPM, at your convenience, if you would like my assistance dealing with them. 



I look forward to speaking with you next week so that we can get this transfer back in process. 



Thank you, XXXX Registered Senior Client Associate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Bankruptcy XXXX  XXXX / XXXX The account above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Monterey Financial Services LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/22 I received a telephone call from a debt collector to collect a debt that I was not aware of I asked if they can send me proof well they sent me on XXXX a loan agreement promissory note followed by truth in lending that I never received ever until XX/XX/22. So I wrote them a letter for more details on this debt claimed I owe and I havent heard from them yet. This has been harming my credit badly. I also seen comments on my credit report but after I sent the letter I seen that the comments has been removed but this company remains on my consumer report. I would like this debt discharge and deleted off of my credit asap. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: PA
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:
I have disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Trans-Fast Remittance LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I sent a money transfer to a friend of mine in XXXX. I lived in XXXX XXXX for 4 years and I have friends there still so this was not a scam transaction. Then I got an email from XXXX that they wanted to receive a copy of my bank statement and since this is PII information in it, I cancelled the transaction because I did not want to expose my personal information to someone that I do not know. 

While my transaction was still under review, they deducted {$900.00} from my checking account. Since this was awaiting my bank statement, these funds should have never been taken out of my checking account. I can understand this if my transaction was legitimate and it was being processed but since it was on hold until completion of review, this, in my opinion, should have never been done. I am wanting these funds returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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:
I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

Equifax Credit Report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Chr XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX fin XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a letter via certified mail and going regarding some discrepancies and inaccurate information on my consumer report! I requested that they break down and prove the accuracy of these reported items. Under XXXXXXXX XXXX XXXX I have a right to a full investigation on these items and they haven't validated no debt! I haven't received any correspondence from the agency except a stalling letter from TransUnion asking if it was really me who sent the letter.

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 2021-07-15
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
These companies failed to respond to my debt validation letter within 30 days to verify the account in question

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling 3 times a day from XXXX during work hours. This could jeopardize my employment and needs to stop immediately. They called at XXXX XXXX  ; XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; and XXXX XX/XX/XXXX and do not leave a message. This harassment is unacceptable. I have no account with this company as upon looking up their name they are Receivables Performance Management.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 applied for an auto loan on XX/XX/XXXX with XXXX XXXX XXXX and they were authorized to pull my credit with that application. I obtained a loan XX/XX/XXXX On XX/XX/XXXX XXXX XXXX XXXX pulled my credit again as a Hard Inquiry. They did not have permissable purpose and this access to my credit is Unauthorized. 

I called XXXX on 3 separate occasions over the past 3 months and they have not removed the unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX See page 25 Regular Inquires of the attached 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 2021-07-15
Company: Santander Consumer USA Holdings Inc.
State: VA
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
I've contacted XXXX XXXX XXXX  4 times regarding a late payment reporting on my credit report for the month of XX/XX/XXXX  via mail and by phone. I've explained to the company the reason for my late payment due to hospitalization for XXXX which cause me to submit my payment late for that month. Prior to XX/XX/2022 and after up until now I have had excellent payment history and am a loyal XXXX XXXX XXXX  customer. I have proof of my hospitalization and I feel my concern isn't being taken into proper consideration. I don't want to close my account with XXXX XXXX XXXX  but I will if they can't accommodate my request.

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