BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 2022-10-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2023-08-22
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 status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-06-06
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:
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.

The letters are stated with items and issues.

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 2018-12-13
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: Problem getting your free annual credit report

Complaint:
Equifax Free Credit Report Online Response-XXXX  XXXX 18 -  Applied for credit from a company that used Equifax 's score of my credit to determine my credit rating. Since this score is lower that XXXX   and XXXX, I was curious to know why and wanted to exercise my right to receive a free annual copy of each report and its contents. Requested a copy of my annual credit report from all three bureaus. Received copy from XXXX  and XXXX. Equifax will not provide online report and requires you to send in a manual form. However, in addition to the form, they request you input your social security number, a copy of your pay stub, a copy of your W-2 form, drivers license, and current utility bill. All of this information being sent through the mail will put your identity at a huge risk and is unfair to the consumer. They are required to provide the report, but refuse to do it without putting the consumer at more risk of identity fraud. 

This is a breach of the law to provide consumers information. I do not want to risk putting all my personal information in the mail to have it vulnerable to identity theft. Their method of providing a report to you ( through the mail ) and requiring the consumer to put all their personally identifying information ( PII ) in the mail is wrong, is a disservice to the public and a slap in the face to the Federal Law that requires them to provide the annual report. This is a travesty and should be addressed. Thank you for hearing my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency cant furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a call from who I believed to be XXXX XXXX XXXX. There was an automated system telling me that my account was scheduled for disconnection. Since I know that my account is delinquent I was panicked. I pressed the button they told me to get a representative and the guy walked me through how to send {$410.00} to who I thought was XXXX using XXXX, he then said the amount was not enough to cover my bill so he asked for me to send the full amount, I then send {$490.00} and he said he would reverse the initial payment since it was incorrect. On XX/XX/XXXX I realized after not receiving any refund that I'd been scammed. I called XXXX to confirm. I then called Chase Bank to file a fraud claim and they would not file a claim- they said there was nothing they could do. They are offering a service on their platform, but the consumer has no recourse when something like this happens, I contacted XXXX and they sent me back to Chase. This is basically wire fraud and they take deposits from me for over 20 years and this is the first time I've had something like this happen and they have no help for me. The money was for my daughters tuition and now I am just alone with no help. This is a horrible practice, someone should be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: NJ
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 # XXXX XXXXXXXX XXXX XXXX has violated my rights.The address information is inaccurate and needs to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX has also violated my rights. The late payments for XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. The account open dates are all different and last reporting dates on credit reports also. 
XXXX XXXXXXXX account # XXXX has violated my rights. The late payments XX/XX/XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. Last reporting dates are all different on credit reports. 
The following inquiries need to be deleted off my credit report also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses need to be deleted from credit report also XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-07-25
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called Morgan Stanley Private Bank, formerly Etrade Bank, to ask about a joint checking account held by my wife and I. I mentioned that we are going through a separation and I wanted to know what the procedure was to remove her from the joint account. I was told that because I told the customer service agent that my wife and I were separating, the checking account was to be immediately frozen and neither of us would have access to the checking account. This account is the main account that I receive pay from my employer and pay bills through autopay and everyday expenses. My wife is aware of this account and the funds and what the funds are used for. Freezing this account puts both of us in a serious bind due to the fact this account is used to pay mortgage, loans and utilities. The customer service agent explained that I would have to open a new checking account, get a signed letter from myself and my wife saying that both of are aware this joint account is being closed and the funds would be moved to the new checking account. A signed letter from my wife and I along with copies of our drivers license was uploaded on to the banks website. At this time I am still not sure if the letter and copies of drivers license will suffice to regain access to the funds in the frozen account. My complaint lies with the freezing of the account with only a question as to how to remove a person from a joint account. The bank did not verify with my wife as to the validity of the marriage separation. No legal document was provided or asked for as to the validity of the marriage separation. I only asked a question and now I am scrambling to regain my funds and pay my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit account, because I received an alert from XXXX XXXX that I had a debit collection added to my credit. I checked my credit and notice a unfamiliar debt from this company. I filed for bankruptcy in XXXX and it last until I converted it to a chapter XXXX and it was discharged XX/XX/XXXX of all debtors. All my new credit is paid and on time, so I did not take out any credit from this company. Please find out why this company has fraudulent placed this collection on my credit. 
Company name : XXXX XXXX it was placed on my credit XX/XX/XXXX and updated XX/XX/XXXX. 
Midwest Recovery System # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sending this follow up CFPB complaint today to inform you again that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX  XXXX Balance Owed : {$6800.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XXXX  XXXX Balance Owed : {$640.00}.

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 2020-06-04
Company: Experian Information Solutions Inc.
State: KY
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:
With an XXXX credit score, I had a XXXX XXXX XXXX credit card that I paid in full monthly for 13 years. Today I received an alert from my identity theft company that my account was suddenly closed. I called the number on the back of my card and reached a non-US call center with a supervisor who didnt know why my account was closed - all he could do was re-open my account! A debt settlement has been put on my Experian credit report. I DID NOT negotiate payment of debt for less than what is owed. I pay my full balance monthly on all my credit cards. No one at XXXX can give me the contact information for who closed my account and reported this error to Experian.

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 2017-09-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was the secondary signer on this loan. It was for a family member and, when she started to default on this loan, I was never contacted to try and rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.XXXX XXXX CT IL 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 explanation
Consumer complaint received 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The customer service agent on XX/XX/XXXX put down the wrong date for the auto pay which because I am on XXXX XXXX XXXX doesnt mean I will always have the funday by the 73 date on the 10 to ensure I have the fund paid by the date the 10th I wanted to set up the payment by the 1 or 2. The lady lied and said that it can be on the first but that that case. I wouldnt of signed up for it otherwise. Due to expensive medications I am on funds will not always be in my account. The calls can be recorded. This says caused 2 late payments and closed both of my credit cards. They are claiming this is fraud when it was their fault. I told them I am on a limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi I was approved for American Express credit card and I got my credit card in the mail on XX/XX/2018 and I needed a ride for lyft and my credit card didnt go through so I called American Express and they told they needed some documents from me and I fax it to them and had it notarized and also fax in my ID and I never heard back from them and I called them and they told me it will take 72 hours for them to call me and they never called and told me I have to wait another 72 hours and I did a balance transfer to pay off my other credit cards and they told me there no records of balance transfers and I will upset and told me give it another 48 hours to reflect on there systems and I need to have my credits cards paid off so I wont be in debt ... .. and American Express ask for my phone number in name and I told them I change it because I didnt like XXXX and I want a better service and I gave them this number XXXX and they said its a bad number ... ..

Company response to consumer: Closed with explanation