BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Dispute of Unauthorized Inquiries on Credit ReportI am writing to dispute the unauthorized inquiries that appear on my credit report, as I recently received a copy of my credit report from your agency. I have identified several inquiries that I did not authorize, and I request that you remove them promptly. The details of these inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have thoroughly reviewed my records, and I do not recall authorizing any of these lenders to perform a hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a thorough investigation into these items and remove them from my credit report if they can not be verified by the respective creditors.

I kindly request that you complete this reinvestigation within 30 days of receiving this letter, as mandated by 15 U.S.C. Sec. 1681i ( a ). It is crucial that my credit report accurately reflects my creditworthiness and financial history, and the presence of these unauthorized inquiries undermines the integrity of the report. 
Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this dispute. Should you require any additional information or documentation from me to conduct the investigation, please inform me promptly. I can be reached at the contact details provided above. 
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 2023-02-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX : XXXX XXXX - has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX - has violated my rights XXXX  XXXX : # XXXX - {$2900.00} - has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company still has not removed a fraudulent account on my record despite there being police report, FTC report, and me stating the account is not mine. The account is not mine but yet this company keeps reporting it on my consumer report. The account in the letter is false and not 100 % accurate.

I have been trying to solve this problem for some time with your agency and the corporations you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and the account not being 100 % accurate under 15 US Code 1681e ( b ). I am a litigious consumer Meaning I am unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used XXXX XXXX XXXX XXXX to send XXXX USD to a Korean bank on XX/XX/XXXX. XXXX used Bank of America to send money to XXXX, however over a few weeks, Bank of America didn't even update anything and had been holding the money without any updates. And finally, after a few requests, they said the recipient 's name is matched with XXXX of the names on the sanction list so it is in compliance. XXXX and I provided more information regarding the recipient, however over XXXX weeks, Bank of America hasn't even done anything, and we finally requested for retracting the wire a week ago, and still no answer. 
It is very frustrating since I am dealing with time-sensitive issues, and I can not even get updates on what is going on. XXXX XXXX XXXX and I did everything we could do and now the fact that just retracting the money is taking a few weeks is egregious. This has been really impacting my family 's major life events. 
Bank Of America should know better about its responsibilities as a financial institution and acknowledge its actions really impacting people 's daily life.

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 2023-05-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX I paid the full balance of my credit card {$170.00}. Therefore, I should not had anymore bills and just forgot about the credit card because I should not have any balances. 
XX/XX/XXXX while cleaning my emails I see an email from Comenity stating I had a past due. 
I called XXXX and they told that the payment was received after XXXX, and that is why I was charged a late fee and interest charge. The CSR spoke to her supervisor and said they will clear up the balance. To check back in 48 hours. But that never happened. 
XX/XX/XXXX I submitted a dispute. And I was advised that it would take 90 days to resolve the dispute, and I would be advised of the resolution in a mailed letter. To this date XX/XX/XXXX I have not received anything. 
I have called and send messages to Comenity trying to resolve the dispute and all I get is I will hear from them in 30 days. 

As of today, they have reduced my credit limit from {$5400.00} to {$750.00}. They have reported to the credit bureaus my account as past due and late for 5 months and affected my credit score. Even though I was advised when I asked about submitting a dispute that none of that would happen. As of today, Comenity claims I owe them {$190.00}. 

Also, please note that no where on their statement states that payment must be done before XXXX of any Time. 
I have attached all the messages, statements, and a spreadsheet detailing the above mentioned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19
Company: Experian Information Solutions 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:
I contacted this company via XXXX because of an error on my report. The account is resolved but yet it is still reporte only to find The company is CLOSED and the agency XXXX will NOT release the error from my report. XXXX XXXX has confirm the amount as XXXX and should be removed however it is being being report by XXXX According to FCRA it is error and should be deleted from my report. They can verify the account because the business CLOSED and XXXX XXXX has not authorized the release because of the absence of receiving a response from a company whom is CLOSED for business confirmed via the XXXX. See below. ********************************************************************************************** RE : Complaint ID # XXXX Dear XXXX XXXX : Thank you for contacting XXXXXXXX XXXX XXXX serving the XXXX XXXX ( XXXX ) for assistance with resolving your dispute regarding XXXX XXXX XXXX XXXX. A copy of your correspondence was forwarded to the company ; however, XXXX was unsuccessful in reaching the company for a response due to one of the following reasons : The company has confirmed to be out of business The company is believed to be out of business The company can not be located At this time, XXXX regrets to inform you that we can be of no further assistance. If you wish to pursue this matter further, you may try contacting your local Attorney General 's office or the Bankruptcy Court. The company 's XXXX XXXX XXXX has been recently updated and is available online at XXXX, or by calling. XXXX appreciates that you took the time to contact us. Your experience with the company will be kept in XXXX files for three years as part of this company 's record. Regards, Your 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 2020-06-19
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2020 I sent to Equifax a certified letter Detailing my private information. I told them I had only the information of : Name : address : Phone : DOB : SS # : Work : And that no other past information was to be reported because I can only be reached at the current information provided. 

With this letter, I sent a second letter detailing companies who affected my credit by pulling credit inquires without my written permission and none of these issues have been fixed. 

I have called several times and even tho they state they have been fixed when they send me a new credit report the information is still showing. 

Attached is the first set of letters. I have sent a second set of new credit inquires which has not been responded to which I will file at a later date when the 30 day mark is reached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This company treated me horrible after weeks after submitting my Uber application their security center requires me to send each time documents to verify my identity by mail which I sent and finally today I was approved after calling them to confirm theyve received them and was approved for only XXXX not only this bothers me is that I get so little when I have good credit I have credit lines in XXXX and higher and they only give me {$250.00} they dont even offer the Uber card any longer and their card technology I dont understand why this bank lacks card technology latest like many us banks have started migrating over to contactless they dont offer it or even know what it is but Im the XXXX they offer it to everyone how is this fair but in the USA they dont when will Barclays get up to date they say they will but never do time for them to iodate their card technology I also want a higher line

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Everything has to be 100 % accurate on my credit. XXXX Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ALL NEGATIVE ACCOUNTS LISTED BELOW -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-23
Company: ERC
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:
Last 4 of XXXX RE : XXXX Dear ENHANCED RECOVERY CO L : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOD OF CHARGE OFF XXXX : This account is 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 supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 



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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 2018-08-01
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar actions shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. AFNI has not provided this information, nor have they validated this account after being requested to do so. This account is being reported as " meets FCRA requirements '' when it does not. I have no knowledge of this account and I demand it to be validated.

Company response to consumer: Closed with explanation