BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
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:
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. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a fraudulent account with my personal information in XX/XX/2019 for the amount of {$720.00}. I sent out documents to credit bureaus with this fraudulent 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Re the following claim numbers : Transunion File Number : XXXX CFPB Complaint # XXXX Attorney general ( XXXX ) Account : XXXX XXXX XXXX Georgia Docket XXXX XXXX In response to my complaint, your company recently mailed me a notice from the Pennsylvania Attorney General 's office and the Consumer Federal Protection Bureau ( CFPB ) portal stating that the items are accurate and that you won't reinvestigate unless you need more relevant documents. 

The issue with this notification is that I gave your company, the Attorney General Offices, and the CFPB pertinent documentation from the United States Bankruptcy court supporting my claim, and you disregarded the information. 

After reading the FCRA law regarding the steps your company must do when a customer challenges a record in their credit file. It is stated in sections ( 4 ) and ( 5 ) that you must review and consider all pertinent information that I, the consumer, have given. 

Additionally, it stipulates that you must eliminate the item from your files if the consumer 's documentation renders sufficient. 

The sad aspect is that you are currently flagrantly " BREAKING THE LAW '' and infringing upon my rights as a federally protected consumer. This is my last attempt to work with your company to resolve this issue. 

Due to the fact that your company did not carefully review the pertinent documents I received from the US bankruptcy court and since there is evidence that your company was unable to validate my claims. You breached my rights in accordance with 15 USC 1681i ( 4 ) ( 5 ) ( i ) by neglecting to validate the public record, along with providing the clerk courts ' name that was used to validate the bankruptcy in their records. 

I demand that you remove the public record indicated below from my credit file for violating my rights under the Fair Credit Reporting Act ( FCRA ) regarding the handling of unverifiable material and failing to take into account the supporting documentation you requested.

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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed 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 explanation
Consumer complaint received 2017-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
Our computer stopped working with a number to call to clean it. We were talked into placing {$290.00} on our Bank of America card payable to XXXX and they would clean the scam off of the computer. We contacted Bank of America the next day to not pay the charge as by that time we realized it was a scam. We were told by Bank of America that the charge had not posted yet so it could not be disputed, to call back. We have called a number of times and supplied documentation from a computer repair co. as second opinion that this was a scam. Bank of America has paid the scam co. and can only suggest that we contact them for a refund. We do not want anything to do with this scam co. and are very disappointed that Bank of America paid this charge even after we requested that they do not. What can we do now?

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 2017-03-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was improperly charged overdraft fees {$36.00} on my bank checking account on XX/XX/2017.

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 2017-11-05
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 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, XXXX is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for Experian, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, 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 2023-04-29
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:
The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Colony Brands, Inc.
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment of {$110.00} was made on XX/XX/2023 to seventh avenue credit. We called the next day to see if it went through. Seventh avenue said it had not so we made a payment of {$110.00} on XX/XX/2023. Both payments were deducted from our bank account on XX/XX/2023. Seventh avenue wanted proof so we went to the bank and got a printout from the bank stating when the payments were taken out and the transaction numbers. We mailed this to seventh avenue. After waiting a month we called them again. First they said they never received the information then said they wanted a copy of our whole bank statement. We are very uneasy giving any credit card company our entire bank statement. They have a statement from our bank showing those payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Innovative Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, My name is XXXX XXXX. 
I got a parking ticket back in XXXX 2015, that I had no knowledge of, which was sent to my old address. That old address does n't exist anymore as the property is under construction. This resulted in the outstanding debt/bill showing up on my credit report as a Collections. 
This was how I gained knowledge of this outstanding bill. 

I right away paid the collection agency the full amount owed, {$110.00}. 
They, XXXX INNOVATIVE COLLECTIONS, XXXX ), still have not notified the Credit Bureau, XXXX, that this was paid in full and therefore still shows up as an open collections on my report, when I paid this off 4 months+ ago. 

Innovative Collections is practicing their business in a sleazy way. 
I repeatedly called them about this and all they have to tell me is that they notified the Credit Bureau XXXX which they have not really done, according XXXX XXXX and that they can not notify XXXX again that this have been paid off. 

I am stuck here being thrown back and forth not being able to take care of this issue and fix my credit. 

I was directed here by XXXX saying that this is the next route I can go? 

Is there anything you can do to help me with this? 

Thank you

Company response to consumer: Untimely response
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
THE XXXX XXXX XXXX HAVE XXXX ACCOUNTS XXXX & XXXX BOTH IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2022-05-01
Company: Santander Consumer USA 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:
XXXX XXXX XXXX XXXX  In accordance with the fair credit XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may noga treat a payment on a credit card account under an open-end 157 consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis Risk Solutions has failed to remove the XXXX off my consumer credit report. On multiple occasions I emailed and sent letters via the united states postal service requesting that they provide proof that the XXXX listed on my lexis nexis report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time Lexis Nexis failed to do a proper investigation. I called the XXXX XXXX house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet lexis nexis without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had issues with the Chase bank in the past and nothing has been done about it. They now say they can not see the same transactions that I can when I am at my online portal. Just yesterday I made some transactions and has a positive balance of XXXX remaining. Today there were XXXX negative transactions on my account equaling over XXXX. I am not rich and I am honest. The accounting practices at the Chase bank in XXXX are quite questionable. I have been double debited for transactions ... .I have made this complaint within the past 6 mos as I have lost much hard earned money that belonged to no one but me. I am a tax payer and a citizen of this country. I am becoming very frustrated that when seeking assistance with the transactions against my account I am told by the customer service agent at time they can not see what I see .... in the past I submitted a complaint against Chase and all they did was send me their " Forward Facing Documents '' I assure this is not what is exactly going on. I am again out of money they say I owe them ... but I beg to differ their document they sent is forward facing as its what they want the public to think as they are legal in their transactions but I assure you they are NOT! why the customer and their ways, method, excuses and transactions are quite different and certainly not acceptable is what I want to reveal and I certainly want all of my mistakenly overdraft fees, my double debited transaction placed back into my account I have been a customer for past three years and I most certainly want to close out this account as its is bleeding me dry and I am having financial hardships due to this and no one seems to be able to decipher this at all I want assistance and to compensated for my time and financial hardship that this is causing I am nonetheless being forced to close my accounts with this bank and it is quite frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Braviant Holdings, LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I sent the company Balance Credit a revocation letter on XXXX/XXXX/16. They acknowledged and agreed to this request on XXXX/XXXX/16. On XXXX/XXXX/16 they debited my checking account for {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX Balance : {$31000.00XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$680.00}.

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 2019-09-01
Company: DISCOVER BANK
State: MN
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 have been disputing a 30 day late payment that occurred on my Discover account in XX/XX/2018. Discover has refused to do an investigation into the matter so I escalated the issue to their corporate office of Customer Advocacy and to the CEO 's office but nothing has been done. 

After reviewing my account with Discover multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XX/XX/2018, but the auto pay did not make this adjustment. 
I submitted the payment on time, via a phone payment on or around XX/XX/2018 but it bounced on XX/XX/2018, then Discover represented the phone payment XX/XX/2018 and was returned XX/XX/2018 because the Discover Financial Services representative took down my incorrect bank account number to process the payment that bounced. 

XXXX XXXX acknowledged to me that the payment kept bouncing because Discover had the incorrect bank information to process the payment that kept bouncing. Discover Financial Services representative made a mistake that caused my account to have a 30 day late payment. 


Discover Financial Services is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). Discover Financial Services never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item. 

Discover Financial Services is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). Discover is not allowed to report inaccurate or incomplete information. 

The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. 

I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on Discover. Discover is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).

Company response to consumer: Closed with explanation