BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: IN
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. 

XXXX, Equifax, and XXXX have failed to provide any proof at all of validation of the accounts below according to federal consumer laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 an 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 and other adverse items 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 2021-06-08
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: Account status incorrect

Complaint:
The date of last activity reporting is inaccurate on this account it reports that the date of last activity is reporting : XX/XX/XXXX ( TransUnion XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( XXXX  XXXX which makes the debt to appear re-aged. On XX/XX/XXXX I wrote a letter to the bureaus in which they did not respond or delete the account for inaccuracy. I would also like to note that the account is not reporting a date of last payment on TransUnion or XXXX  but a date of XX/XX/XXXX reports on 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 2022-12-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2022, a balance transfer for {$1400.00} was requested from XXXX XXXX credit card to Chase credit card, this transfer was requested to Chase over the phone, as it has done before, the transfer information was stored in the system. 

Chase issued a check, that XXXX XXXX never received, when Chase was contacted, they disclosed that the check was cashed but not XXXX XXXX, the check was made and shipped to the wrong entity. 

Since XXXX, 2022, Chase claims they have been conducting an investigation, they are trying to get the funds back, while I have been paying both balances and accrued interests. 

The interest charges are as follow : XXXX {$18.00} XXXX {$18.00} XXXX {$21.00} XXXX {$21.00} XXXX {$19.00} A formal complaint was made with Chase on XX/XX/2022 and with the XXXX  on the same day and no resolution yet. We feel powerless and that we have hit a brick wall.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
For the past few months, a number claiming to be Ally Financial has called me non-stop, several times a day. I tried to block them and silence unknown calls, but then I received a text from my cousin claiming that her and her parents were receiving them as well. Whats interesting, is when calling them, the collectors claimed to be for medical debts ( despite that if you tried calling them back, the automated message is for Ally Financial ).

While telling a neighbor about it, she received a call from them as well, asking for me. My neighbor was not in my contacts list at the time.

The next day, three more family members called to let me know the same thing was happening to them. 
When I called Allys customer service line, they neither confirmed nor deny their connections to the collectors, only that they were sorry.

Several days ago, after a phone call with the CFPB, I answered one of the phone calls and asked for a professional license number. The man I spoke to ( XXXX ) claimed that they were outsourced from XXXX and the best he could give me was a VID (? ) XXXX and that the number to call him back on was XXXX. 

After that, there were several times I answered and instantly asked How are you getting my familys numbers? Only for the caller to hang up on me. 

This morning, I let them speak for a moment before asking the same question. They denied, saying my number was the only one they had on file, and I told them I have angry family members who say otherwise. I told them I wasnt sure how things worked in XXXX, but in XXXX, this behavior is classified as harassment. Interestingly, the caller claimed they were not in XXXX, though I did not let him speak long enough to find out more information. 

The numbers theyve been calling on are XXXX as well as 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 2018-12-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I travelled an hour to get to a branch to execute a wire because it exceeded the online limit. Further, I was contacted by Chase to verify the transfer despite having executed it in person at a branch. After my confirmation, they said the wire was authorized/validated, before XXXX ( the wire cut-off time ) on Friday XX/XX/2022. At XXXX on Friday XX/XX/2022, I received an email from Chase stating that my wire was delayed and the recipient complained to me that they had not yet received the funds. This is simply unacceptable and Chase 's practices of withholding funds after transfer verification should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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:
XXXX, Transunion and XXXX are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded.

report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or

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 2019-10-27
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This kind of account is noted as appearing in a bankruptcy. The bankruptcy had been terminated. Make sure to pull off this Bankruptcy from my folder to guarantee that I really don't need to work on my personal rights pursuant to 15 USC Section 1681n or 1681o, which usually needs your compliance along with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$4600.00}

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 2017-02-24
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Balance transfer fee

Complaint:
I made XXXX balance transfers to my Elan credit card of {$300.00} each from my XXXX and XXXX cards. Their system sent XXXX transfers of {$300.00} to XXXX and XXXX transfers of {$300.00} to XXXX for a total of XXXX balance transfers which gave me account credits on both cards since I owed less than {$600.00} on each. When I called and asked them to correct the problem, or refund the additional {$11.00} for each extra balance transfer they informed me they do not negotiate balance transfer fees, insisted that I had made the error, and told me the only way to reverse the charges is to have my other cards return the balance transfer. I called XXXX to ask for XXXX of the transfers to be returned, and they informed me that it is not possible because it came through a credit processing company, not as a charge. I would have to pay 2.5 % for XXXX to send the transfer back as a balance transfer. XXXX also told me that since is it is a balance transfer, which do not have the same rights as purchases, that I can not dispute the charge nor can they return it. Both XXXX and XXXX told me the only way to reverse the charge is for Elan to do it.

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 2023-03-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I claimed XXXX XXXX bankruptcy in XX/XX/XXXX. I excluded my mortgage and continued to pay on my mortgage which Im current with through todays date XX/XX/XXXX. The mortgage company is failing to report my current payments to the credit bureaus and have not reported any payments since XX/XX/XXXX. They claim that my bankruptcy attorney never filed a reinstatement agreement and therefore its the lawyers fault. Regardless I have been making timely payments for the last two years and its not fair that my family is being harmed when current payments are being made. They should be reported to the credit bureaus so my credit reflects my mortgage. They send me mortgage statements every month and I pay on time. Theres no reason its going unreported. My fico score can not go up because my mortgage is not reflected even though Im current on all payments. Please help!

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 2022-05-28
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is against Midland Credit Management, which is a collection agency for XXXX XXXX. I have been paying my debt but they insist in reporting a higher amount of what I actually owe. I have called, send emails and letters asking for a review of my account detailing the payments I have made and the outstanding balance in order for me to pay it off and close this matter. I have been ignored even when I have sent them copies of of the checks they have received from me and paid by my my bank ( XXXX ). Their online page shows some payments but a check for {$2300.00} is not listed and therefore, the balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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 Called transunion because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports till XXXX XXXX XXXX XXXX and XXXX XXXX bank ending in XXXX And trans union does what they tell them to do. Its a crime they should be fined and jailed Also XXXX and XXXX are guilty I Have reported them to their own fraud and credit card investigations to correct within 30 days. i cant handle all 3 scores faillng from XXXX pts to XXXX since and 2 months in XXXX XXXX and XXXX and last year.. please help me

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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-12-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts 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  have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report 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 2022-11-01
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: Personal information incorrect

Complaint:
Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, FL XXXX, FL Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account number- XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- inquiry XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- inquiry XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX date- XX/XX/XXXX XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation