BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 obtained a copy of my consumer credit report from XXXX, TransUnion and XXXX on XX/XX/2023. While going through my credit report I've noticed unauthorized inquiries that wasn't initiated by me. I even sent certified mail letter to each credit reporting agency with return receipt to delete the inquiries, but they have failed investigate to remove the information 's that is being furnished. Here 's the tracking number for the letter I've sent to XXXX [ XXXX ]. The certified mail tracking number that I sent to XXXX is [ XXXX ], however they didn't remove the false inquiries. The TransUnion tracking number is [ XXXX ], they have also failed to investigate and delete the inquiries. Below I have attached the letters that were sent to each credit reporting agency alone with the Certified mail receipt.

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 2023-01-15
Company: Experian Information Solutions 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:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 3- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 5- ( XXXX/ACCOUNT # XXXX ) Has violated my rights

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 2023-11-10
Company: Professional Debt Mediation, Inc.
State: FL
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:
Two collections agencies have reported the same a debt on my credit report, all of which does not belong to me. They are XXXX. XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX. XXXX XXXX XXXX. 

I have request the original purchase agreement that shows the legal owner of this alleged debt. Also, requested that they include all the terms and conditions that are included in this purchase agreement. 

In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my Federal Protected rights to privacy and confidentiality under 15 USC 1681. I informed XXXX, XXXX XXXX and XXXX to reinvestigate these accounts and to remove and deleted them from my credit report, immediately. However, only XXXX XXXX XXXX was deleted. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602A, states the right to privacy. 15 USC 1681 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructionswhich I did not provide to them. Furthermore, these alleged debts are over XXXX XXXX XXXX and by law any debts XXXX XXXX XXXX must be removed and deleted. 

My information has been impacted by these credit bureau and has cause extreme stress. These credit bureaus sold, bought and traded illegally. I am requesting The FCRA states that accounts and collections must be complete, verifiable and accurate. XXXX XXXX XXXX and XXXX XXXX XXXX have both illegally reported this alleged debt on my credit reports causing a significant amount of stress, embarrassment and loss of receiving credit. Requesting that these items be deleted and removed in a timely manner. 

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I currently have 2 accounts with MCM ( Midland Credit Management ). Both accounts should have been covered by the XXXX coverage. I have written several letters to them but I can only assume that MCM has not received them which is their typical response when they dont feel like entering information. I would have been more than happy to consider resolving this account if a certain employer hadnt fired me while I was on long term leave. I have had several accounts with this company, which most have been resolved. As a PREVIOUS debt collector, I cant say I understand, because nobody actually understands, but I can only sympathize with the other collectors while they have probably heard every story under the sun on why someone can not pay their debt. Im 100 % positive if the HR department of MCM looks back on some of their records they would realize why I am unable to pay this debt. One of these accounts has been in the system for a couple years and should have a cease on the account, which is the account I have written about not being able to pay due to lack of income ( I wonder why? Hmmm ) the second account is a new account, which while I understand this one isnt MCMs fault, this should have been resolved by the actual creditor per the agreement of the XXXX insurance which I had paid every month. I would also like to request that certain employees dont go behind my back and talk about me, because Im 100 % sure that will happen too once they see my name pop up on the complaints. Anyways, Im requesting that these accounts are removed. I wont say immediate because I know things dont move quickly around there.. but eventually, maybe 30-60 days is reasonable to me. While I understand that one of the accounts is marked as a cease, Im requesting that the accounts are marked as a do not call, for EVERY number listed on the account. You may contact me through the mail. Since Im unable to include the account numbers in this complaint here I have attached the documents so whoever handles the complaints can find me accounts in the easiest way possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX  days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX XXXX I got ready for work. XXXX I check my US Bank account it has XXXX dollars in it, thats fine Im waiting to get paid around XXXX so my insurance can get taken out with no problem, XXXX I check account, XXXX thats fine Im about to get paid its gon na even out here in 10-15 minutes. I work till lunch and I check my account and they took 4 overdraft fees of XXXX dollars each, thats {$140.00} total for the 15 minutes it was negative. Ive called them multiple times and they only refunded me back one overdraft for XXXX dollars. They took the rest of my money, I had just paid insurance and they left me with XXXX so I had to get a loan of XXXX dollars from the XXXX app jus so I wouldnt get anymore overdraft fees and I pulled my stocks just to be safe n have money in my account. None of these went into action until the 17th so for them to take my money and not give it back makes no sense I would understand if I was days late but it was 15-30 minutes I dont understand. And when I look at my account it doesnt even say it was negative, I had made sure everything even out and I never over-drafted, I had deposited money into XXXX and I made sure I didnt overdraft and thats how was left with the XXXX dollars. I knew I was getting paid and and was like okay its all on the same day itll cancel each other out no problem then my account will be up again but that didnt happen. Just doesnt make sense

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 recently checked my credit report and noticed that XXXX XXXX is listed on it. However, I never applied for a XXXX XXXX credit card. This is a clear case of fraudulent activity.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
See document attached

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 2021-03-23
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: Information belongs to someone else

Complaint:
This complaint comes forward as I am a victim of Identity Theft due to a data breach, I have tried to reach out to Transunion in regards to a dispute and the fraudulent accounts and benefits on my credit profile.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 & Number : 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 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights

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 2023-11-16
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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:
Capital One allowed fraudsters to access my account sic times in a one-week span by allowing XXXX authentication to any phone number in the XXXX, regardless of XXXX that phone number is registered to the account or registered to me by the XXXX. The fraudsters then change the phone number and e-mail address to their address, thus completely locking me out. 

Now, I don't have access to the online account nor any statements or transaction data. Yet, Capital One drafted my bank account for {$4100.00} on XX/XX/23 for the credit card payment. My account is set to auto draft for the full statement balance. I have no way of changing that. I have no way of knowing the statement balance or any transactions. Someone just runs transactions on my account. I have no way of knowing it. I make the payment and I have no way of stopping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2022-09-06
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX, and my account got frozen for fraud, something I didn't do, and they won't unfreeze it because I don't have a picture id. I got funds in my account for {$1200.00}, and I need my funds too. I want y'all to verify me a different way without having a picture ID, allow me to withdraw my funds even when my account is frozen, or send me a check for {$1200.00} to XXXX XXXX XXXX XXXX XXXX PA XXXX, and my Venmo username is XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: PA
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:
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. 

XXXX. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX Bank, Account # XXXX, has violated my rights. 
XXXX. XXXX Bank, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation