BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 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. It has been 30 days 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 INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 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 2023-09-02
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I DID NOT GIVE CONSENT TO THE ALLEGED COMPANIES TO FURNISH THE ALLEGED ACCOUNTS ON MY CONSUMER REPORT, NOR WAS I GIVEN PROPER EXPLANATION THAT THESE ACCOUNTS WOULD BE FURNISHED ON MY REPORT. I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATELY. I DO NOT DENY THE DEBT. I DO DENY CONSENT TO FURNISH. LAWS VALIDATING MY CAUSE ARE ATTACHED. FAILURE TO COMPLY WILL RESULT IN FINES UP TO {$1000.00} PER VIOLATION.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I want the company to remove the fraudulent inquiries in 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 2022-03-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ever since I started disputing things on my credit report, suddenly I can not pull my equifax credit report & when I log into my equifax, there is NO information. Not even lenders can pull my equifax report. This is huge problem as I can't do the things I want to do if lenders can't pull my credit report. I tried calling but they were no help at all!! This needs to be fixed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: LA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF ED/XXXX XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED  XXXX Balance : {$200.00}

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 2023-10-16
Company: RAB, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX called from RAB to the apartment community with an outstanding invoice that we were in the process of disputing with our vendor. We were disputing the invoice with the vendor because no work had been completed and the invoice in question should have never been submitted to collections. ( I received confirmation that this was an error on behalf of the vendor ) The major issues with RAB is that they said they were calling as employees of the vendor XXXX XXXX XXXX ) and Failed introduce themselves as a third party collector over the course of several phone calls and emails. It wasn't until an " intent to XXXX  '' they served us that we realized they were debt collectors. They then called our corporate office on an almost daily basis and again never introducing themselves as a debt collector and stating they worked with the vendor. They also used threatening, loud, and abusive language with cursing to several of our team members in multiple interactions. Meanwhile we were communicating directly to them trying to dispute the invoice believing they worked for the company and their lack of communicating they were collectors has now put a strain on our relationship with the company that services our apartment communities. Lastly the first person who called claimed he was XXXX XXXX he was the one that was verbally abusive and threatening and using profanity. Afterwards someone else introducing themselves as XXXX XXXX also working for XXXX XXXX was calling and being amicable and respectful. We believe both XXXX XXXX and XXXX XXXX are the same person trying what can only be described as a " good cop, bad cop '' technique. The vendor has cleared up the invoice issue and settled the dispute as invalid. I have no issue with the miscue on the vendor. But I believe that the collector was using illegal tactics and violating other laws outlined here to try to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 non-monetary relief
Consumer complaint received 2020-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a saving account with BOA since late XXXX and minimum deposit was {$300.00} to avoid any low balance fee, i have been maintaining that fee since a long time, however BOA charged me late fee of {$8.00} for low balance, i talked to customer service rep on XX/XX/XXXX at XXXX and they were unable to waive the fee They told me that we upgraded your account to Advance saving whose min balance is {$500.00}, i told them i was never notified and BOA told me it was upgraded automatically this year and all the old saving account product was disconnected I tried to explain them that its not my problem, this was an upgrade from your end and you failed to notify me that you upgrading automatically which resulted in fee charge I requested to speak to a supervisor and after waiting 1 hour on line they disconnected the call, i called back but it was like 2 hour wait time

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 2019-05-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello there are Two Bankruptcy on my Equifax report where I have no Bankruptcy on XXXX and XXXX so why are two BK showing on my credit file I disputed and they came off my Equifax then a 3 month later they added the BK back on How can Equifax report a BK and XXXX and XXXX   dont have a BK for me this is A Huge Mix up Im going to hire a Lawyer to help me also I been disputing the matter for 1yr 1/2. Can you please help me also I can show you proof I have no BK on XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: PA
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 consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely. 

This information is an invasion of my privacy rights. 
The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
1 ) XXXX XXXX - # XXXX XXXX 
2 ) XXXX XXXX XXXX- # XXXX XXXX 
3 ) Dept of EducationXXXX # XXXX XXXX 
4 ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
5 ) XXXX XXXX XXXX 6 ) XXXX XXXX - # XXXX XXXX 

7 ) XXXX XXXX XXXX - # # XXXX I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.

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 2022-11-08
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: Account information incorrect

Complaint:
I have frozen my credit with all 3 services. I am attempting to unfreeze my credit and had no issues with XXXX, but TransUnion refuses to do so. They said my record is messed up because they have a XXXX XXXX XXXX and an XXXX XXXX with the same social security number. The problem is entirely a data error within TransUnion. 

Contacted them several days ago and they say a supervisor has to call me back. Just called me back and refuse to temporarily unfreeze my credit. Said I have to send a cover letter and supporting documentation to get this resolved, but the problem is entirely on their end. 

In the mean time, I am unable to conduct business with a significantly discounted purchasing rate because of their mistake.

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 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of XXXX we reported 12 fraudulent charges on our Bank of America Mastercard totaling {$2300.00} for 4 different hotels between XX/XX/XXXX XXXX XX/XX/XXXX in XXXX, Illinois XXXX XXXX XXXX, Illinois. The charges were initially credited along with interest but then denied on XX/XX/XXXX. We called and got a supervisor on the phone XXXX XXXX XXXX who was very helpful and actually pulled up the fraud file and noted that each of the charges were suspicious and none of them were made by phone but neither was the card present with any of the transactions. He advised that this claim should not have been rejected. He called me back every XXXX weeks to advise that he was having the claim reprocessed. On XX/XX/XXXX I received a letter that the claim was " resolved '' and " We're happy to let you know a credit ( s ) has been placed on your account that includes any interest charges an fees that you were charged. '' it went on to say ... '' You don't have to do anything on your end- you'll see the credit ( s ) on your monthly statement. '' We waited and waited for the credit but it never came through. I began calling to ask about the credit and then I received an undated letter with a XX/XX/XXXX postmark, stating, " Recently we received your notification that you do not agree with our resolution regarding the claimed fraud charge ( s ) in the amount of {$2500.00} on the above referenced account ... .While you disagree with the outcome of your fraud claim, the amount of the dispute is still owed, in accordance with your Account Agreement. '' I called on XX/XX/XXXX and was passed through 2 people and was told that they saw no credit on my account per the XX/XX/XXXX correspondence ( in my file ) but that the XX/XX/XXXX letter I referenced did not appear in my file. I asked for a supervisor and was told I would receive a call back. I never received a call back and despite ongoing calls am told that the claim was rejected and it too old to be revisited. With the initial claim of {$2300.00} plus interest for the past 3 years, this amount is substantial!!

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account US Dept ED # XXXX, Account # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX Self-Reported # XXXX, XXXX SELF-REPORTED # XXXX, 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 an 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to the company to have the report updated and no change was made I disputed it with Equifax to verify the balance and they reported the balance as verified. I have a letter from the company dated XX/XX/2022 that the account is paid in full. Equifax did not conduct a proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have received multiple calls from the creditor every day for the past 2 months, voicemails and text messages. I tried to have a late fee pushed back and they refused, causing me to fall even further behind on payments.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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.

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