BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 

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 602 A. States I have the right to privacy. ( Therefore I would like my privacy to be respected. ) 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. ( At no time at all did I give ANY type of instructions, written or verbal.

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 ) states 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. I went ahead and highlighted the inaccuracies in the attached documents from the three consumer reporting agencies.

Examples of these inaccuracies are, ( 1 ) In Trans Union credit history XXXX XXXX payment history is showing as Unknown, and in XXXX the payment history is showing as 44 potentially negative months. ( XXXX ) XXXX is showing XXXX and XX/XX/2023 payments for XXXX XXXX as being on time even though it should have been documented as CO for that period. These are just some inconsistencies, please see the attached documents for a full comparison. 

These inaccuracies are impacting my ability to purchase a house for my family. It's also preventing me from being able to apply for and attain employment in various fields.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: NC
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:
Equifax did not do a proper investigation when XXXX and XXXX did. Equifx just verify informtion instead of properly doing the investigation. Several items were deleted from XXXX and XXXX but equifax continue to report this information wothout providing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$78.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-05-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX REFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. EXPERIAN AND XXXX  HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH EXPERIAN AND XXXX  STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX  AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. XXXX TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO XXXX XXXX THAT HAS THE ACCOUNT TO XXXX XXXX AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX. '' THIS Was SAID AFTER I ASKED XXXX XXXX  HOW THEY VERIFIED MY DEBT TO XXXX AND EXPERIAN. NOW DUE TO XXXX XXXX NOT VERIFYING DEBT AND XXXX XXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR EXPERIAN AND XXXX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.

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 2018-03-18
Company: HSBC NORTH AMERICA HOLDINGS 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: Credit inquiries on your report that you don't recognize

Complaint:
HSBC Claims that they haven't taken care of my issues and send me a letter that i'm no responsible for my frad case but as of yesterday i gotten an email stating that it's not over, i dont know what is the issues with this company i have to feel stress and lose more of my time so now i'm here again and want the world to see how horrible this company really is and i don't think people should bank with this company at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies are in complete violation of my consumer rights. 15 USC 1681B A2 states that no one can furnish information on a consumer 's credit report without their written instructions.18 USC 1028A states this is consider a form of identity theft if i didnt give permission. 15 USC 1681 Section A states i have the right to privacy. All accounts reporting on my credit report are inaccurate and not mines. They are misleading, unfair, and I want all the negative close accounts deleted immediately. I have a recent credit report identity theft report, and letters i sent to each organization. Again i command that XXXX, XXXX, and TransUnion cease and desist any negative reporting without my permission and consent. Any future reporting of these negative inaccurate closed account will result in legal actions taken to protect the consumer XXXX XXXX XXXX [ XXXX ] UCC 1-308 without prejudice.

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 2023-08-11
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2020-03-16
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:
XXXX XXXX who is under a loan servicer called XXXX XXXX have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct 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 2021-08-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 was withdraw from my account {$5000.00} without my authorization from XXXX, I instantlly called the Chase Bank because I didnt do that transaction, they responded me that they can not do anything because I did before a transaction with that company. I reach the company and they told me to call my bank to reverse the founds and they didnt help me with this. I just want to recover my {$5000.00}. 
The manager told me that because I enter my bank account they cant withdraw money without my authorization any time they want

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a XXXX XXXX XXXX in XXXX of XXXX and I have always paid more than the payment. I recently was laid off of my job and was making the payments until my savings were depleted a few months ago. I was able to borrow a payment to bring the account under 30 days where the account would not be escalated for repossession. The account manager XXXX XXXX who was assigned to my account was very rude and threatened to escalate my account if I didn't have a payment in by Monday and said he would do so because I didn't call him back like I said I would to discuss the 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 explanation
Consumer complaint received 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I have XXXX loans with bank of America. 

XXXX address XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX, ut XXXX I applied Covid 19 forbearance for both of the houses for 18 months, witch ended XX/XX/XXXX. 
I started making regular payments printed on monthly statements after XXXX, XXXX. 
Bank started charged me fees, they said they sent inspectors to the properties to check the properties. 
I was charged {$35.00} last three months, they charged {$17.00} before on both accounts for at lease two months. Bank sent inspectors twice to the properties while all the payment made on time. 
This is criminal to do inspection without our permit. 
Please refund all the fees bank charged me and stopping going to the properties. 
Sincerely, 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 2020-03-16
Company: Paypal Holdings, Inc
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:
I went to the computer this morning to try to make a transaction to begin the process of sending web traffic to my websites. ( 4 of them ). The cost was supposed to be $ XXXX/month. All of my credit and debit cards were declined as if they were being blocked by the computer system for suspicion of being fraudulent. I would like to block on the cards lifted so that I can continue to operate my website businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
When married, this account XXXX XXXX XXXX - XXXX XXXX  ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with XXXX  XXXX, the bank says it is valid, and the credit ratings remain trashed. Requests to XXXX XXXX, including copies of the divorce decree proving that it is now her account, go unansered.

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 2021-07-02
Company: I.C. System, Inc.
State: IN
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:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

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 2023-12-07
Company: Waypoint Resource Group, LLC
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I XXXX XXXX XXXX ( XXXX ) requested that XXXX and XXXX remove this account from my credit consumer report via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contact number XXXX to send me the original contract that shows that I have a contract with this company and provided my wet ink signature showing that I have entered into a contract for this company to collect any debt. this company is in several USC violations for false reporting USC 15-6802, Title 18 USC 241 , UCC 9-210 15 USC 1681, 15 USC 1601

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transfered money to an account with Bank of America and it turned out to be fraud. Bank of America refused to compensate me at all even thought they are at fault too. It was {$1000.00} on XX/XX/20 and {$4300.00} on XX/XX/20. No action was taken by Bank of America at all. They are not taking care of their customers at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I notice someone open a credit card in my name with balance of {$910.00} that I had no idea of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX and Trans Union are reporting inaccurate information pertaining to a bankruptcy, all 3 agencies show different information. Under the law all 3 agencies must report same information XXXX has file date XX/XX/XXXX TransUnion has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has Ref # XXXX TransUnion has Ref # XXXX XXXX has Ref # XXXX XXXX has month of discharge - None TransUnion has month of discharge - XX/XX/XXXX XXXX has month of discharge - None XXXX shows address - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX MS XXXX TransUnion shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX XXXX shows address - XXXX XXXX XXXX shows Type of Court - US Bankruptcy Court TransUnion shows Type of Court - US Bankruptcy Court Experian shows Type of Court - US BKPT CT XXXX shows phone # XXXX TransUnion shows phone # XXXX XXXX shows none

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed items on my credit report 60 days ago and incorrect information is still reporting for XXXX, TransUnion, XXXX section 15 usc 1681 section 604 a section 2 it states that a consumer reporting agency can not furnish an account without written instructions. XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX ) XXXX. These accounts reporting inaccurate information I've disputed multiple times with no response or update.

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