BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-11-03
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter on XX/XX/2022 from an attorney 's office that I am being sued by XXXX XXXX XXXX on XX/XX/2022. I have not received any notice that they are pursuing legal action, nor have I been served. I have never gotten a straight answer about where this debt came from or where they bought it from. I will not pay a company that profits on fear and intimidation tactics. There is no reason that I should have to pay a company that can't provide me with details of the 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 explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As per the FCRA any unverified or unauthorized accounts or inquiries must be removed from the credit report. I have called them, sent the FTC report and the fraudulent account and disputed have still not been removed. 

Letters have been sent over the past 90 days without any response from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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 one of my numerous 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. Please delete this account ASAP.

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 2020-04-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I PAID MY MORTAGE PAYMENTS TWICE IN XXXX : in XXXX on XXXX, XXXX XXXX XXXX, XXXX. I PAID MY MORTGAGE IN XXXX ON XXXX XXXX. I PAID MY MORTGAGE IN XXXX ON XXXX, XXXX XXXX THIS IS THE MONTH THAT CHASE I ALLEGE DOING FRAUD SO THAT THEY CAN COLLECT LUMP SUM DO TO COVID 19 AND FORCE ME INTO FORECLOSURE BY LYING AND FRAUD. 

I CALLED CHASE TO INQUIRE ABOUT MISSING MORTGAGE PAYMENTS THAT WAS PAID AND NOT APPLIED TO MY MORTAGE STATED THAT I MISSED IN XX/XX/XXXX PAYMENT AND XXXX. CHASE IS CORRECT ABOUT XX/XX/XXXX THIS WAS THE REASON WHY THEY RECEIVED TWO PAYMENTS IN XXXX. 
I PAID ON XX/XX/XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. I SEEN ALL MY PAYMENTS THAT CHASE RECEIVE AND THE ONES THEY STOLE ONLINE UNDER MY ACCOUNT. FAILED TO APPLY MY XXXX AND XXXX PAYMENTS IN XXXX I WANT CHASE TO RECOGNIZE THE MY PAYMENTS THEY STOLE AND COMMITTED FRAUD. NEED ADDITIONAL INFORMATION I WILL APPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following issues are not allowing me to purchase a home for my family. Please consider and remove. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
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:
I reported a change but dispute does not make clear if any changes were made. Clearly the report updates historical data but then does not report change on webpage. Neither payments made to account nor updated account information regarding change in borrowed amount were changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Myself and my family members are receiving multiple robo calls from either an unknown number or from XXXX in regards to a case XXXX. After numerous calls, I called back and was referred to XXXX. This phone number does not appear to connect as a get a recording from XXXX that it is invalid. I called the XXXX number and they finally transferred me to XXXX XXXX XXXX. Ive spoken to XXXX at the firm and they are claiming to be collecting on a Chase credit card from XXXX. This debt was discharged in a XXXX in XXXX. I sent the XXXX paperwork to this firm over a month ago and they have started to call even more but not directly to me but my family looking for me even though they have my information. I have never received XXXX notice in the mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is repoting 4 different accounts on all 3 bureaus and I haven't received any written notification or validation/verification of these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have requested to close the account since there are money sitting in the account and I can not make any transfers between my banks. The whole process is already been more than a week and the account still hasn't been closed yet. Every time when I called, I was told 1-2 business days. I need to get my funds back ASAP.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-11-03
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-11-03
Company: BMW Financial Services NA, LLC
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: Was not notified of investigation status or results

Complaint:
BMW FINANCIAL SERVICES account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 2023-07-12
Company: OLIPHANT FINANCIAL, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here isthe list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4business days after the date of 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 non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-08-14
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-09
Company: KEYCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, my name is XXXX  XXXX XXXX. I am from XXXX XXXX Colorado I have a key bank account credit card. we have had several deaths in the family in the past 6 months and now I have been out of work for almost 4 weeks. I knew I was going to be late on a payment due to helping to pay for family death cost. I contacted KeyBank and asked if I could make a double payment on the next payment date. This was in XXXX and agreed to pay a double payment for XXXX which should have been {$180.00} as they stated that they would waive the late fee. They charged me {$200.00} regardless of stating they would not charge me a late fee. Last month I made my payment on time which is normally {$90.00}. They informed me that though they waived or stated that they waived the late fee for the previous month which they did not, they reapplied the late fee to the payment due which they did not tell me that until after I made the payment which made my account go negative. I have spoke with them three times now and told them when you waive a fee you can not reapply it somewhere else that's called fraud and it is against the law. They did not want to work it out even though I made my payment on time last month. I told them I would send them {$5.00} a month until this account is paid off and to close out my account as I could not do business with someone that is dishonest. When you tell someone you're going to do something nice for them to help them out due to their circumstances that's what you do, you don't reapply it somewhere else that's called being dishonest. I have had my key Bank credit card for several years and have been in good standing with them making my payments on time until last year with the deaths in the family kind of cut things short and then just after XXXX we had more deaths and now the coronavirus. I have not ever known this organization to be dishonest like this in the past but I guess that's what they are now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a notice from Diversified Consultants, Inc. to inform me about an alleged debt with XXXX XXXX in the amount of {$1600.00}. I notified them within the 30 days after receiving this notice and I disputed the validity of this debt. I sent a certified letter on XX/XX/XXXX. I received their response to my certified letter on XX/XX/XXXX. 

My certified letter ( which I am attaching to this complaint ) requested some of the following : -Agreement with the creditor that authorizes you to collect on this alleged debt -Valid copies of the debt agreement stating the amount of the debt and interest charges -Agreement bearing my signature stating that I have agreed to assume the debt -Complete payment history on this account along with an accounting of all additional charges being assessed. 
-Contractual signatures and agreements of said account -Documentation showing you are licensed to collect in Colorado along with your license number and registered agent. 

The only thing I received was a cell phone bill with talk history from XX/XX/XXXX to XX/XX/XXXX. They failed to validate this debt and they failed to delete this account from the 3 credit bureaus and stop attempts at collecting this debt. They did not submit any of the information I requested. A billing statement is not proper validation of a debt. I do not have a signed contract nor any contract with Diversified Consultants , Inc, regardless whether or not they purchased this debt from XXXX XXXX. 

I have attached all communication with Diversified Consultants , Inc . Since this account was not properly validated, I am no longer legally responsible. Account validation is my right granted by the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: AUSSRQ Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I do not have any knowledge of this debt or company. I never had an agreement with said company. I have disputed and this continues to come back as accurate without providing me any verification of the debt and where it came from. I have disputed on all credit bureaus with the same response. I have been receiving mail from lawyers stating I am being sued yet I did not receive any notification of this lawsuit nor did I receive verification of this being a debt that I owe. I have reached out and was threatened with further collections and the amount on this collection has increased.

Company response to consumer: Closed with explanation