BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called the original creditors, today XX/XX/23. To have the unverified and unauthorized items deleted and were told to contact the consumer reporting agencies directly to have the inquiries removed immediately. I am now filing this consumer, financial protection 15 U.S.C 6801 with accordance to the FCRA to legally have these items delivered immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Charged for a purchase or transfer you did not make with the card

Complaint:
I have XXXX claims with the fraud department of bank of america regarding over XXXX in charges made to my account that I did not make. 
I gave XXXX a the perpetrators name and made a police report concerning the fraud.Supervisors told me my case would be escalated to a case manager and they then told me my claim was approved and it would be credited to my account XXXX  months ago..yesterday I spoke with them and it's still under review it's now going on over a year since the charges.please any help would be appreciated I understand the wait-list and have been very patient but this is way out of line giving me incorrect information and not backing what they say. 
Thank you XXXX XXXX XXXX XXXX Texting works best cause XXXX spams calls.

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 2023-03-30
Company: Sunbit, 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:
Ive contacted Sunbit multiple times about an inaccurate delinquency on my credit report, which was recently added by them. They claimed that they were investigating the dispute, but turned around and immediately added it to my credit report, which is now preventing me from renting a rental unit based solely off of this XXXX incorrect credit report. Its illegal and its predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Information belongs to someone else

Complaint:
To Whom It May Concern, This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I have agreed to assume the debt. A complete and correct social security number that may help identify me as the party you are collecting from. A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired. Complete payment history on this account along with an accounting of all additional charges being assessed. Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. A purchase agreement or assignment from the original creditor to your company. Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Not only is this debt being reported inaccurately but it is being reported as an open collection with Equifax while it reports as a closed collection with the other bureaus. Also my Equifax report shows no collections but has this account listed under revolving accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

Account # 's XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-07
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has known for years that I divorced the other co-borrower, and I have sent them documentation that I am the sole owner of the property since the divorce in XXXX. I finally refinanced this month to remove my deceased ex-husband from the loan. Freedom Mortgage sent me a refund check for escrow that I paid, but they sent it in both my name and my ex-husband 's name. They refuse to issue the check in my name only, even though they have known for years that I am the sole owner of the property. By issuing a check that is impossible for anyone to cash, they are illegally holding money that is lawfully owed to me for escrow overages that I alone paid in the amount of {$1900.00}. I do not have a copy of my ex 's death certificate, as we divorced years prior to his death and the property was already deeded to me, and awarded to me in the divorce. On XX/XX/XXXX Freedom Mortgage told me even with the death certificate, they will not re-issue the check in my name only.

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 2023-05-02
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 U.S.C 1681. 

Account 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  has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section2 : 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 antidates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number [ XXXX ] for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : Account Info Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquires XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have received multiple before XXXX from Radius Global Solutions.. Just Two examples are on XX/XX/22 at XXXX XXXX  and on XX/XX/22 at XXXX XXXX. There have been at least XXXX  dozen calls made to me prior to XXXX XXXX. Though I have a phone number with a XXXX  area code, I have lived in XXXX  for over Three years. The calls are always from an autodialer with nobody on the other end of the line. The One time I spoke with a representative, she hung up on me when I mentioned she was calling me prior to XXXX XXXX. Yet, the calls continue.

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 2023-03-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank account was hacked. The bank closed my account and held my funds. There were transactions on my account by unknown sources. I went to the bank several times, talked to several bank personnel on the phone and in person to ask them about the activity on my account and access to my funds held. The first time they implied that I did fraudulent transactions. When they closed my account, I was told that my account was under investigation and my funds were held and it could be up to 3 months before their investigation was completed. I started receiving bank notices in the mail of disputed transactions and returned check deposited ( not any transactions I made ) so returned to the bank for further information on what was going on. There are several withdrawal with XXXX XXXX that are not withdrawal from me. I do not have a XXXX XXXX account. I suddenly got a check from the bank for a settlement on my account but does not cover the direct deposits from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Coast to Coast Financial Solutions, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) is disputing XXXX XXXX ' claim, which has bee referred to XXXX XXXX XXXX XXXX XXXX, that XXXX XXXX XXXX owes XXXX XXXX {$740.00}. As we have told XXXX XXXX repeatedly in several e-mails to that company, XXXX XXXX XXXX does not believe that it owes more than {$160.00}. Until XXXX XXXX produces a contract that shows otherwise, XXXX XXXX XXXX will not pay any more than {$160.00}. Below is an explanation of our position : XXXX XXXX XXXX available accounting records show that XXXX XXXX XXXX was doing business with XXXX as far back as XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX 's monthly bill rose from less than $ XXXX to $ XXXX. The difference between XX/XX/XXXX and XX/XX/XXXX was nearly an astronomical 13 %. When XXXX XXXX XXXX realized the huge jumps in XXXX   bills, XXXX XXXX XXXX explored the competition and investigated XXXX. XXXX XXXX XXXX ascertained that the competition was charging half XXXX rate for better service and that there were hundreds of reviews on-line by XXXX customers complaining of similar price gouging by XXXX. XXXX XXXX XXXX complained to XXXX about its substantial yearly cost increases. In response, the company did not produce any documentation authorizing it to raise the rate for its services, much less apologize for basically taking advantage of XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX notified XXXX XXXX that it would no longer require trash collection from that company. At that time, a XX/XX/XXXX invoice for XX/XX/XXXX service was outstanding. The total bill for XX/XX/XXXX was {$660.00}. Because of the XX/XX/XXXX notice, XXXX performed only a quarter of the service covered by the outstanding invoice. Accordingly, XXXX XXXX XXXX position is that XXXX  XXXX XXXX owes only one-quarter of {$660.00}, or {$160.00} ( subject to XXXX producing a contract or other basis for legal entitlement to more which, despite repeated requests by XXXX  XXXX XXXX, XXXX has failed to produce ). 
We are deeply concerned that XXXX has been increasing the charges to XXXX  XXXX XXXX for over a decade at levels that were not authorized by our initial agreement with XXXX. XXXX can not possibly have had a right to increase our bills over $ 141 monthly rate that is reflected on XXXX XXXX XXXXs books. While we are concerned that XXXX actually owes XXXX XXXX XXXX funds ( perhaps thousands ), we have generously offered to pay {$160.00}. XXXX has declined our offer. 
As XXXX XXXX XXXX has informed Republic, XXXX XXXX XXXX is a nonprofit that operates on a very tight margin. XXXX XXXX XXXX can not afford to just give XXXX several XXXX dollars more than XXXX XXXX XXXX legitimately owes.

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 2023-05-02
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but Discover keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: TX
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:
As I was reviewing my credit report, I realized that my consumer rights are being violated by Experian. 

The following accounts are being reported by the Experian, and must be removed immediately for violation and inaccuracy : XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy Report Number XXXX XX/XX/XXXX Report Number XX/XX/XXXX XXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) : 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 personal 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 may be 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 explanation
Consumer complaint received 2023-03-30
Company: Aargon Agency, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX keeps reporting false claims, first the debt isnt mine they reported incorrect home address they fixed it after a month or two. How can it be my debt if they didnt have the right address? The claim I have an open debt of XXXX $ and I dont know why. Keep giving them proof and documents its not mine after reporting false info and still didnt remove it from the report through experian, transunion XXXX and equifax and significantly bringing down my score over XXXX points! In less than a month! The collection agency is violating my rights, under the no surprise act of 2022 they have no personal information of me, no signature, no informative bills, no pic ID, they are an out of network provider charging me with out my prior authorization they have no detailed information about that.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 2023-06-11
Company: Experian Information Solutions Inc.
State: LA
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 confirmed with the credit card holder that I was removed as an authorized user on XXXX XXXX. Ive filed three complaints with Experian since I was removed as an authorized user yet theyve not removed this from my credit report. The complaints were filed on XX/XX/XXXX and XX/XX/XXXX this year.

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