BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2022-04-01
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has tried to collect this debt for over 2 years. I have disputed it each and every time. XXXX was unable to provide the necessary documentation to validate this debt. As a result they did not respond my original request for debt validation and I received an apology and a letter ( via cfpb ) stating that they did in not validate the request. That they would stop pursuing this. This is just more harassments from XXXX and Jefferson Capital in regards to this matter. I plan on also filing a complaint with the FCC. Attached you will find my original CFPB complaint with an apology from XXXX debt collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
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 2021-08-25
Company: The CBE Group, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE GROUP pulled my credit report with out permissible purpose which is a violation of 15 U.S. Code 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow They also did not notify me in written which is a violation of 15 U.S. Code 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Received the following text : ( Alert ) Your Citizens online account is under review due to suspicious activity. To restore access visit : XXXX ( Msg & data rates may apply )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
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: Public record information inaccurate

Complaint:
XXXX  INFO SERVICES STATES THAT HARD INQUIRIES ARE A MATTER OF FACTUAL DATA, BUT DOES NOT VERIFY BY INVESTIGATION PER MY WRITTEN OR ELECTRONIC REQUEST

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 2022-11-12
Company: Experian Information Solutions Inc.
State: TN
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 XXXX 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 an 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 explanation
Consumer complaint received 2023-06-25
Company: Waypoint Resource Group, LLC
State: CA
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 had a XXXX internet in summer XXXX in XXXX while I was doing my internship. I closed my account and returned their equipment and moved back to Arizona for completing school. XXXX said I had to pay XXXX $ and send it to collection. I was never aware of any payment I had to make. Recently when I applied for a mortgage I became aware of this situation and that it was hurting my credit. Waypoint resource group ( collections agency ) refused to remove this from my credit report. I even called XXXX and tried paying off this charge which I was not even aware of in XX/XX/XXXX. They still refuse to remove this from my credit report. My credit is fairly decent with this charge being the only black mark.

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 2022-04-01
Company: EQUIFAX, INC.
State: AE
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:
I sent Equifax Credit Bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2. The following account is not mine XXXX 3 . The following account is not mine XXXX 4. The following account is not mine XXXX XXXX 6. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 7. The following Inquiry is not mine XXXX  Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion LLC sold my personal information without my verbal nor written consent to various companies unknown to myself which is violation of my privacy and identity theft and labeled it promotional inquiries, also there are additional inquiries that should not be on my consumer report. There's a total of 49 requests for inquiries into my consumer report and I was not informed either time, nor would I have consented to such a degree of invasion. I demand deletion of each inquiry mention in the letter attached, no CRA can place any information on Consumer 's credit report without their consent and this is a huge violation in their regard. They were also compensated for providing my personal information to these companies and for that I demand compensation to be sent to me via check to the address in the attached inquiry removal letter. I shall provide invoice notating each violation and the amount required by me the federally protected consumer, natural person and original creditor. Please see attachment.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently sent amsher collection company a dispute in regards to a collection that theyre reporting on my credit report. They have failed to validate that I in fact owe a debt the form sent was debt collection validation informing them to supply me with the information obtained to show that I in fact owed the debt. I am not requesting a verification of debt, but a validation of debt. All collections must cease and desist immediately until they provide proof of debt by way of validation not verification. They are operating in deceptive practices and will be held civilly liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a joint account with my grandmother who receives social security and pension each month on the XXXX of every month. Her social security and pension were deposited into our Chase account XX/XX/2020. On XX/XX/2020, my grandmother passed away. There was a hold placed on the account unbeknownst to me, which left the account negative {>= $1,000,000}. I called into Chase XX/XX/2020 and the representative could not fully explain to me why there was a hold on the account. Due to me not knowing what was going on, I transferred the remaing funds from our joint account to my personal account ( {$2100.00} ). The {$2100.00} that I transferred to my personal account is now gone and I never spent the money. I called in today XX/XX/2020 to see what was going on and try to get some answers as to why there is still a negative balance showing and what happened to all of the funds and I got nowhere. I was told that the " deceased Processing '' department is handling the account but I was unable to speak with them. There should be a total of {$3900.00} in the account. Instead the account is negative - {>= $1,000,000}. This is a huge inconvenience, as my family are still paying expenses associated with the cost for the funeral, along with the obligated rent that was due for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-12
Company: EQUIFAX, INC.
State: CA
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 sent a letter on XX/XX/22 to Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again. 

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 2022-04-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Friday XX/XX/XXXX XXXX XXXX ID XXXX in the amount of {$25.00} was initiated to recipient XXXX was not received due to XXXX XXXX called Chase on Saturday XX/XX/XXXX XXXX was advised by representative to cancel & Re-send transaction which was done new transaction ID was now XXXX Monday XX/XX/XXXX I check my bank account & now had 3 transactions 1st Transaction ID XXXX XXXX Re-sent Transaction XXXX & a " XXXX Payment from Recipient XXXX '' transaction ID XXXX I then proceed to call Chase again & was advised by recipient this was a refund from Chase due to down service Tuesday XX/XX/XXXX the " Refund '' XXXX ID XXXX was no longer available thus leaving transaction charged twice I contacted Chase multiple times & had been told credit would be received in 10 business days via XXXX However XX/XX/22 I was told Recipient has to XXXX me the {$25.00} back that no credit would be provided yet the intended person only received the funds once This is extremely frustrating I was charge twice upon following Chase Representative instructions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. 
PLEASE SEE DOCUMENTS ATTACHED! 

Dipusted two accounts by Transfinancial on XX/XX/2018. I have no knowledge of these accounts. I disputed the accounts with amounts {$2000.00} & {$61.00} via certified mail. The company sent back ( XX/XX/2018 ) a reply that did not validate, break down the debt, or contain my signature. The FCRA gives the company 30 days to allow me to validate the alleged debt.. Under the Fair Debt Collection Practices Act, I requested that the company allow me to validate the alleged debt by providing me with a breakdown of all charges, dates of service and procedures given including fees associated. Transfinancial failed to supply me with rightful information attached is the copy of letters that were sent to TRANSFINANCIAL and the letters sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I'm trying to very simply close my Indigo credit card. I can not reach a human being. I've tried their automated system multiple pl times and either get disconnected or rerouted. There is no chat bot or FAQ on their website. The product just doesn't meet my needs in terms of longterm credit planning and financial management, so I know longer want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collector is claiming that I owe XXXX XXXX {$330.00}. I sent them a correspondence on Monday, XX/XX/2023 disputing the amount owed. I only owe {$85.00}. I requested for them to send me or have XXXX send me a return kit for the modem they are charging me for. Before this debt collector took over my account, I had requested for XXXX to send me a return kit, which they ( XXXX ) had stated they would send me when I closed the account. I have yet to receive a return kit to return the modem. 

Once again, I will not pay for a modem that I can return and have asked more than once to receive a return kit from XXXX to return it. I'll be more than happy to pay what I owe, which is {$85.00}. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Comerica
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I moved from XXXX to XXXX in XXXX. I had to apply for a new card because I didn't trust some ppl in XXXX. After receiving my card in XXXX a family member in XXXX got access to my account and withdrew money. I applied for another card and have received it. My problem is I'm in a XXXX home and need my account and routing number. I have called direct express and they told me to call social security because I get ssi. Social security told me to call direct express to get it because they cant give it to me direct express has to. I called direct express back still nothing. IRS told me they need it in order to put my stimulus on it. Please help me. I really dont know what to do now. This has happened most recently XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to the following accounts below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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