BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 writing to file a complaint against XXXX for allowing XXXX XXXX XXXX to report fraudulent and negative collection accounts on my credit report despite the fact that they know my account is under investigation for identity theft. As a victim of identity theft, I have taken all the necessary steps to report this crime and have already filed a complaint with identity.gov. However, XXXX has not taken the appropriate action to block any inaccurate information related to XXXX XXXX XXXX from appearing on my credit report, as required by federal law. Furthermore, I am concerned that XXXX is not conducting proper investigations before allowing companies to report information on my credit report. This is unacceptable and goes against the Fair Credit Reporting Act, which requires credit reporting agencies to ensure that all information on a consumer 's credit report is accurate and fair. I urge you to investigate this matter thoroughly and take appropriate action against XXXX for allowing fraudulent and negative information to be reported on my credit report. I also request that Transunion remove all inaccurate information related to XXXX XXXX XXXX from my credit report and provide me with a written response within 10 business days, confirming that the information has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attached and FTC with inquiries I did not authorize

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 2018-07-23
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company and requested they provide some type application or security agreement that I completed to show how this account was initiated. And they will not provide it. They keep saying that the company confirmed a name and address ; and provided a bill that does not have my address on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed our checking and savings accounts more than a year ago. I can not reach a human at Bank of America and all my efforts result in a circular web chase ( contact XXXX phone- close account- contact us- phone- close account, etc. ) Bank of America makes it inordinately difficult for those of us with XXXX jobs to contact anyone who can help. 
I filed a previous complaint and the Bank claimed they closed our account but we're still getting mail and they are threatening to charge us a maintenance fee on our closed 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-09-23
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Chase Bank regarding hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, theses are the dates they show up on my credit report as hard inquires, after talking with Chase several times and XXXX who is the only one reporting them again several times. After a month received a letter that went to credit reporting agencies to mask the hard inquiry : Then looked at my report and saw two more XX/XX/XXXX and XX/XX/XXXX Called Chase Bank they stated even if it fraud they still put the inquires through and notify the credit reporting system, XXXX says : they have to list it because even if your account may be fraud we still put a hard inquire on your account.
I do n't have nor have I ever asked Chase for a credit card or anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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

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 2018-07-23
Company: On-Site Manager, 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:
On XX/XX/18 i sent apartment agent XXXX {$200.00} for application and administrative fees but did not complete an application - they ran my credit without my permission and also refuse to refund application/administrative fees ( for which no application was submitted ) further, i was promised on no less than three occasions that if my application is denied the {$150.00} admin fees would be returned. 

company name : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. XXXX. 

agency they used to run my credit without my authorization : XXXX - XXXX i was informed by XXXX XXXX XXXX on XX/XX/18 that my application was denied, but i did not complete an application nor give them permission to check my credit. then they said that i would not get the XXXX administrative fee returned as per the fine print in the application, again, i did not complete an application .... 

i have made several attempts to contact their management ( XXXX XXXX XXXX ) ( XXXX XXXX and XXXX XXXX at corporate office XXXX ) but they are avoiding my calls. i contacted XXXX XXXX and they refuse to provide me information as to by what authority did they access my credit. a formal complaint was made online on XX/XX/18. 

their unauthorized access to my credit score had the negative affect of lowering it! and their processing an application that i did not complete fails to give them the authorization needed to proceed administrating it ... 

they refuse to return my calls and refund my fees and explain under what authority did they check my credit ( again i did not complete an application )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and was given the Chase XXXX card, which promises {$200.00} cash back if you spend more than {$500.00} in the first XXXX months. I surpassed this spending amount in the first 30 days, but did not receive the {$200.00} cash back and a supervisor at Chase could not explain to me why I wouldn't, saying that that he " had no ability '' to provide what the bank promised me. 

Offer details here : https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are not recognized

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX 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 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

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 2023-01-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
FCDPA 805 ( b ) FCDPA 808 ( 1 ) FCDPA 807 FCDPA 807 ( 6 ) We used to live at XXXX XXXX XXXX XXXX XXXX XXXX. 

This collector was sending collection letters to the above address when we no longer lived there. The Landlord/Homeowner of the previous address wrote " Does not live here '' on front envelope and returned the postage. 

XXXX then responded asking for an update on my current address and was sending mail to my new address before I had submitted a change of address with the USPS, how was this information obtained? 

Second issue is XXXX has illicitly refused to work with PayPal in correcting this. I had reached out to PayPal asking as to why I had a collection against me as I had stopped trying to do XXXX and had requested PayPal decommission my account. They never did. A unauthorized Charge for {$9.00} was submit to my PayPal account and as I had no money in it with orders to close it then processed to PayPal credit. 

PayPal never sent any notification or Correspondence. This whole time I didn't know I still even had a PayPal account until I got a collection letter from XXXX for {$270.00}. 

The original {$10.00} charge had sat accruing fees until is reached the insane amount it is. I was never notified, never given a chance to pay, they hid this from me. 

When talking to a PayPal rep I was notified that when an account is " Charged off '' it is no longer in the merchants interest to pursue, but if the debt buyer is willing to cooperate then the issue may be returned and resolved between the merchant and consumer. 

The 3rd party collection agency will not return it to PayPal as the rep had stated and I would have to " take it up with them '' So I don't understand how PayPal can violate the FDCPA by racking up fees and late charges on an account I ordered to be closed with a {$0.00} balance and {$0.00} in debt then avoid liability by selling it off for a comprehensive {$270.00}. I have contacted the Collector and spoke to a supervisor woman ( XXXX or XXXX ) who told me they do not care about the circumstance and that I owed {$270.00} or I can just leave it and my decision will reflect on my credit.. 

I believe they have violated the FDCPA because they showed XXXX the purchase of debt, but can not provide the original contract or proof that I agreed to all these fees and upcharges. 

They also do not have a California License number and still do not at the time of sending these letters They still have inaccurate information as my address has changed again and they are disputing the account with an address I havent lived at for over 5 years. I am uncomfortable directly communicating with this collector after their behavior and renegade path to retribution. Way out of bounds here

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent out letters on XX/XX/2022 and also talked to all the credit reporting agencies via phone on XX/XX/2022 about all the hard inquires they furnished on my credit report without my written consent. The agencies I am submitting a complaint against is TRANSUNION, XXXX, and XXXX. According to fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No Financial institution is not suppose to share my information to third party people. 

These are clear violations of 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 explanation
Consumer complaint received 2020-02-09
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as PENN CREDIT CORPORATION AND XXXX XXXX XXXX their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


PENN CREDIT CORPORATIO Original creditor : XXXX XXXX XXXX {$550.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
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: Public record information inaccurate

Complaint:
I have three issues With TransUnion that I believe in direct violation of my consumer rights. First, will start with address change. XX/XX/XXXX I disputed and submitted a formal request to change to my correct address and report my legal name. I sent the required identification requested by TransUnion. XX/XX/XXXX sent a confirmation letter and deleted the disputed address. XX/XX/XXXX, I received a letter from another dispute. I notice that TransUnion re-inserted the deleted name without informing me in writing that they were re-inserting the deleted address. Second. TransUnion is reporting a collection that the 7 year time limit has expired for XXXX XXXX XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX   states that the account in question expired XX/XX/XXXX XXXX XXXX   informed me to contact TransUnion. TransUnion have been informed formally several times. TransUnion has reported this account 2 years beyond SOL years. I have formally disputed this era to TransUnion several times. Third, I recently have been informed that there is a bankruptcy that has been maintain under my social security number. TransUnion was sent a formal letter disputing the bankruptcy. They were asked to validated there information and provide me with copies of any documentation. I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus. A formal letter was sent to TransUnion XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX TransUnion sent a letter stating bankruptcy dispute have been verified. XXXX XXXX. XXXX XXXX informed me a security freeze has been place on my files if any as of 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 explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across TU, XXXX, XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my XXXX report from XX/XX/XXXX the balance due on this account is {$0.00}. TU REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCEXXXX XXXX has lates on a charge off account. XXXX HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XXXX AND XXXX IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX XXXX FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX XXXX CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY

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