BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681 The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your tirst investigation, you stated in writing that you " verified '' that these items are being " reported correctly '' Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the vertication like I asked? 
As I am sure vou are well aware. current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a " Reinvestigation that merely shifts the burden back to the consumer and the credit arantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a cooy of ANY original documentation required under Section 609 ( a ) ( 1 ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the -CRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or deleted 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: Alliance One, Inc.
State: KS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX dollars and a little bit change was due back to me back in XXXX when I stopped in a XXXXXXXX store in XXXX, Ks and canceled the account. They sent me a bill for XXXX dollars and XXXX cents in XXXX. Everything was fine until I received a mail From AllianceOne Receivables Management , Inc. Saying that they were needed to collect the money owed by me to XXXX. I called them and told them what went on with XXXX being canceled and didn't owe money. They have called me 6 times since XXXX XXXXI sent them a message today saying to stop calling. I will see if they do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
When I investigated my credit report, I realized that this information was erroneous. TransUnion is required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. please investigate the unverifiable account below : XXXXXXXX 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 2023-08-04
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Company: EQUIFAX, INC.
State: NC
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 want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
The American Express Marriott Bonvoy Brilliant credit card offered a {$300.00} credit per membership year for purchases made at Marriott hotels. On my statement with a closing date of XX/XX/2022, I received an " Important Notice '' from American Express that stated, " Effective XX/XX/2022, the {$300.00} Marriott Bonvoy statement credit benefit will no longer be available. It will be replaced with a new benefit of up to {$300.00} in statement credits per calendar year ( up to {$25.00} per month ) for eligible purchases at restaurants worldwide. You will have until XX/XX/2022 to use the {$300.00} Marriott Bonvoy statement credit benefit made available on your account opening date or last account renewal date. '' My account renewal date was XX/XX/2022. I made a Marriott Bonvoy purchase of {$310.00} on XX/XX/2022 at XXXX XXXX  EST, for which I have a receipt. Marriott  refused to give me a {$300.00} Marriott Bonvoy statement credit. When I called American Express, the representative refused to issue a credit, claiming that I " wasn't eligible for a credit between XXXX, '' which is in direct contradiction of the terms provided to me and cited above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 HAVE A FEW ACCOUNTS THAT WERE DISPUTED DUE TO IDENTITY THEFT THAT HAVE BEEN DELETED FROM EVERY CREDIT BUREAU BUT TRANSUNION. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete and notify the date furnisher and creditor. If XXXX and XXXX notified you the data furnisher that it was inaccurate and incomplete how are you still reporting this information?

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2023-08-04
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:
My name is 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 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 2017-03-31
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
i went to use the atm whn i put it in it took it so whn the store open at XXXX i walked in waited in line whn it was my turn itold them what happen an if ican talk to the manager thy said no an was rud ask them who can i talk to to get it back said thy dont no an the atm not part off the branch i called XXXX i called ssi office thy said whn it getts serived they give the card to the branch the us bank works just makin fun of me tht just becouse im XXXX didnt let me use the phone an kicked me out the cops came let them no whatb happed told me to file a repot think if they did this to me how many othetr have they did it to sad think i disever a sorry mean workers hope we can fix wat ever goin on there thanks

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 2018-11-02
Company: Diversified Adjustment Service, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/18 Mailed a copy and sent a copy of sprint correspondence stating the account is clear and no money is owed. Called XXXX and the person who was looking into my account is no longer there. I sent a letter to diversified adjustment services stating what XXXX is saying, telling them to stop contacting me. A few weeks go by and I hear nothing. Now today XXXX they have called 6 times every minute so far. This is harassment and I will be hiring a lawyer today to deal with them on my behalf if it does not stop. I am disgusted by their tactics and blatant disregard for the law. I am now as of XXXX XXXX  on XXXX up to 109 calls in the past 40 minutes. Now at XXXX I am up to 142 calls. Attached is calls documented as well as XXXX saying the debt is not owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
informed them that they sent a card that wasn't applied for on XX/XX/2023. they said to call a credit agency, so that was tried and i decided to take this route after that company XXXX XXXX said to take it up with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : 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 an account without 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 buy more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score dropped from XXXX to XXXX with XXXX  ( 62 points ) and XXXX to XXXX with Equifax ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both XXXX and Equifax for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I sent a validation letter to National Credit Adjusters asking them to validate a collection they reported to my credit report. The company never responded to receiving my letter. Therefore I proceeded to file a complaint with the Consumer Financial Protection Bureau for the company 's unprofessionalism. On XX/XX/2022, the company responded with a letter apologizing for the inconvenience as well as a pdf showing a credit card bill signed by a XXXX XXXX XXXX. In the original letter sent ( attached ) it was clearly stated under the Debt Collector Declaration that certain documentation should be sent as validation. The letter also listed the requested documentation. The company ignored this letter and request. When the complaint was filed, the company quickly responded with XXXX document which was a pdf showing a credit card bill. The bill showed a name and address but no other information validating that this debt belonged to me. Then they proceeded to close the letter out. This does NOT suffice as validation. It is the same tactic that most of these companies use as a quick lazy response to " validate '' a debt to keep them out of trouble. It is not fair to use consumers to have to go through some much heartache to get false unvalidated information from our credit report due to laziness of certain companies. This company either needs to send ALL of the requested validation documentation or remove this collection immediately from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: STATE FARM BANK, FSB
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our account is current etc ... there is no legal basis for their refusal to remove PMI. As shown in our online account with State Farm Bank, our mortgage balance went below 78 % Loan-to-Value on XX/XX/2017 with the balance on that date being {$110000.00}. 
Original property value at loan origination is {$150000.00} 78 % LTV is {$110000.00} Our actual monthly payment is {$730.00}. State Farm is adding PMI charges of {$56.00}, hence State Farm is requiring a total monthly payment of {$790.00} State Farm continues to Violate the law regarding cancellation of PMI. 
In an attempt to make XXXX continue paying, State Farm sent us this threat to refuse payments without PMI : Excerpt from that threatening letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX TX XXXX Dear Customer : Please be advised that your XX/XX/XXXX payment was {$52.00} less than the correct payment amount. 
To bring your account up to date, please forward a check in the amount of {$52.00} to Cash Management Department, XXXX XXXX XXXX, XXXX, NJ XXXX. 
The words " SHORT PAY '' and your loan number must appear on the check. 
We can not accept short payments and will return any short payments we receive in the future. Thank you for your cooperation. 
Sincerely, Customer Service Department XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give any of these companies permission purpose for run my credit. These accounts/inquiries are not verified. I have no knowledge of these companies. See attached letter. I demand that this be removed from my credit profile

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 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023, I deposited my paycheck from my employer ( XXXX XXXX XXXX XXXX XXXX ) at a capital one branch. I was then told I can't receive my money as there is a " fraud '' check on my account. I have had those account for years ( 4 years ) without any issues. The bank refuses to close out my account or return the check ( my hard earned money )

Company response to consumer: Closed with explanation