BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Delete this account

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 in the morning i tried to login into my bank via the chase app. A messaged popped up preventing me from logging in saying my accounts have been blocked and i would need to contact the XXXX number for assistance. I called the number and was told my bank accounts were closed and they wouldnt tell me why nor did they notify me in advance. I have no way have accessing my money or withdrawing it. So i went to a local branch and tried to figure out if they would be able to help. In short, they had to call the same number and they got the same response and was told by my banker that they couldnt do anything. My banker said i would be receiving my money in 10 business days via check. The problem is that other people have had theses issues with chase as well and have had a hard time getting their money back unless they filed a complaint with the FDIC etc. Im afraid my direct deposit/payroll this friday XX/XX/2022 ) may go through my chase account as well because it takes 1-2 pay cycles for XXXX  payroll to deposit to a different bank i had to create an account with. In total as of today my bank has XXXX or so thats mine waiting to be mailed out. If my payroll goes through to my chase account it will be another {$2300.00} or so as well. I need this resolved, i can not afford to wait over 2 weeks for a check or longer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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 FILED AN IDENTITY THEFT FTC REPORT DUE TO INACCURATE ACCOUNTS ON MY CREDIT REPORT AND NO ONE IS HELPING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The accounts I need deleted are listed in this report and on the attached word document I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed on 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was given an offer while logged into my American Express account online to receive XXXX Membership Rewards Points for opening a American Express XXXX XXXX XXXX after meeting terms and then also XXXX Membership Rewards Points for opening a Business ' Checking account through American express after meeting the terms and conditions of offer. In addition, there was a bundle bonus offer for XXXX more Membership Rewards Points for opening the credit and checking account at same time. I received the XXXX and XXXX points for the credit card and checking account but did not receive the XXXX bonus offer. I have called several times to American Express and been given different/incorrect information. A complaint was filed on my behalf on XX/XX/23 and was told that I would receive update in writing withing 6-8 weeks. I did not receive anything and called today after the 8 week mark to be told that case was closed and nothing would be sent in writing. I was told by a supervisor that the reason why I was denied is that a pop-up advertisement while signed into my unique log-in on americanexpressXXXX  does not qualify as a " solicitation '' of said offer. I am seeking your assistance as I am sure that the commission will agree that this indeed was a solicitation and will help in my pursuit to get the XXXX membership reward pints that are due to me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

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 XXXXXXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A. section 2 : it also states that a consumer report agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer 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 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 2021-08-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Filed a dispute for transaction, which it was denied and the bank would not let me file a appeal. The company is fraudelent company and has never submited the services I paid for.XXXX  XXXX, 2021 XXXX was supposed to issue me a website for {$540.00} and XXXX XXXX XXXXXXXX  for {$290.00}. I have not received any services rendered for XXXX XXXX XXXX, the company call the XXXX  XXXX told them they was not able to finish my project and yet still my refund was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: MN
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-05-09
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sunrise Credit Services is attempting to collect monies owed to XXXX XXXX XXXX for cellular services ( {$700.00} ) which were discontinued in XX/XX/XXXX. At the time that I discontinued service, I had two phones on installment plans which do require a payment to fulfill the terms of the agreement with XXXX XXXX XXXX. On numerous phone conversations over the last year, I have requested an itemized bill detailing the charges to demonstrate that the money they are indicating is owed, is actually owed. It is my belief that there was an extra month of cellular service added to the bill for which I was not using the service. Since I was not under a contract for the service, there are no early termination fees or requirement to pay out the service to the end of a contract period. 

Sunrise at one point sent me a bill with only the total owed, not an itemized bill as I requested and is my right. Sunrise stated they did not have the information on the itemized charges and returned the account to XXXX XXXX XXXX for verification purposes. To date, I have not received the requested verification of the debt in an itemized bill, however, when I checked my credit report, I identified a derogatory collections account related to this matter. As I have asked numerous times for an itemized bill detailing the charges applied by XXXX XXXX XXXX in order to verify the debt was accurate prior to paying which have not been provided by the company, it is my understanding that the reporting to the credit agencies as a delinquent collections account is not only erroneous but in violation of the FCRA. 

I am requesting through a more formal process for the company to provide me the ITEMIZED charges with the total amounts owed for each phone and the charges that are included for service charges, to include dates of service for any additional charges. Once that is received, I will have the ability to verify that XXXX XXXX XXXX was not overcharging based on the date of transfer to a new cellular provider and I will be willing to pay what is actually owed. I am also requesting the the negative marks/reports on my credit report be removed as this has been detrimental to my ability to receive a mortgage prior to interest rates rising. As is demonstrated through my credit report, I have not had any negative accounts for years, and due to the failure of Sunrise and XXXX XXXX XXXX to comply with the written verification of the debt requirements of the FCRA have now experienced harm to my credit rating.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I submitted a claim to Chase through Card Benefits Service regarding the purchase protection provided by the Chase Amazon Credit Card. 
I lost most of my possessions in a house fire. 
I submitted a claim through my renter 's insurance but due to my policy limit only some items were covered. 
I then submitted a claim for additional items totaling about {$1800.00} NOT COVERED BY MY RENTERS INSURANCE PAYOUT through the purchase protection. 
After spending hours sifting through and uploading statements and receipts, they denied my claim to the extent that the coverage was " secondary '' to renters insurance. They tried to pay me {$250.00} for my deductible. ( They mailed a check to the house that burned down ). 
The items I submitted claims for were NOT COVERED by my renter 's insurance and therefore should qualify for reimbursement under the secondary insurance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I attempted to make a cash depose at a regions ATM at XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX, aroundthe XXXX XXXX. 
I tried to deposit the cash, {$400.00}, XXXX my checking account. The machine spit back XXXX, the machine continued to act like it was going to return my money. It didn't give it back, but it then said report to your financial institution the error. I then drive to the bank next door at 5 minutes till XXXX XXXX. I called the lobby number on the door let it ring for a solid 3 minutes. There was no answering service and no one picked up.so I drive to the drive thru, where the atm is located. And reported the incident.where I was told it's Not their atm and it will be Next week before they decide if any extra money in the atm is mine. Totaling XXXX. 
She alsosaid it Will take another week to have it investigated, and then I'll get a letter in the mail to let me know if I am owed My own money. Then I will have returns to me. 
I feel like. It should not take up to a month to get my money their banks atm ate.i also think they should have immediately watched the video or checked to see if I was indeed trying to make a deposit. This is ridiculous.

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 2023-06-05
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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