BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion has been willfully negligent in its non-compliance with the federal trafficking law, Trafficking Victims XXXX XXXX ( XXXX ) by not removing the requested information within XXXX business days. All information necessary according to XXXX was supplied when the request was uploaded via TransUnion 's website and via XXXX certified mail. TransUnion remains in violation of federal law and did not address ALL issues in the CFPB complaint # XXXX. TransUnion HAS RECEIVED, via its website and the e-Oscar system, the non-governmental agency letter certifying that I have been identified as a victim of human trafficking. TransUnion also received via the CFPB complaint # XXXX additional supporting documentation which ALSO CONTAINED ALL OF THE DOCUMENTATION REQUIRED UNDER REGULATION V to take action after receiving information on a victim of human trafficking. TransUnion has and is CAUSED FURTHER VICTIMIZATION TO ME by willfully refusing to act according and under the federal XXXX act and under the rules outlined under REGULATION V. TransUnion has caused and is causing FURTHER VICTIMIZATION TO ME by being deceitful in its responses to my complaints via the CFPB and claiming they have not received the requested documentation from me when that is NOT accurate. 

TransUnion 's inaction and willful negligence and violations of Regulation V and TVPA on numerous occasions proves their willful defiance and contempt of the laws and rules set forth by the US federal government and its regulators. These actions have now given rise for a sufficient claims to be pursued and filed against them in federal court. ALL documents are ONCE AGAIN, for the 3rd time, attached to this complaint and were provided to TransUnion 4 different times previously via its website and via certified mail.

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 2023-07-14
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CITIBANK, N.A.
State: NY
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 rewards from credit card

Complaint:
Citibank made a business decision to close my cash back rewards card. They were supposed to mail me a check of my accrued cash back of {$1400.00}. They never did. I have called four times since XXXX each time I was advised it will take 7-10 business days. Today XX/XX/19 I called they stated the cash back I accumulated was not guaranteed to be sent to me. That was a balance that I accrued and during their decision to close my account which I am still paying a balance for them to send me what I have earned on my 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 monetary relief
Consumer complaint received 2023-07-14
Company: Valor Intelligent Processing, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a matte XXXX XXXX XXXX, priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I was on the phone with a XXXX representative trying to change a flight to XXXX. During that conversation the representative miscommunicated and mistakenly booked a ticket using my miles and purchased additional miles to make a transaction at XXXX dollars without telling me that it was only for one leg of the flight and I would have to purchase additional legs at a much higher cost than she communicated. I canceled that transaction and make the change myself online. She assured me that I would be refunded as the purchase was cancelled within minutes because she mistakenly purchased the miles without my consent. However, I have not received the refund yet. In addition, I did not receive an notification of the miles purchased, nor do I see any record of the miles on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
Company: American Collections Enterprise, Inc.
State: NC
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:
RE : XXXX This company has responded to the above claim with the attached documents. These documents in no way show any commitment on my behalf to pay this alleged debt to this creditor. In fact, these documents do not even include the name of the creditor that is alleging this debt and reporting on my consumer report. A logo does not suffice. The documents that this company has sent via USPS do not include any contractual agreement between myself and any of their dbas in any way shape or form, as was admitted in their previous response. This reporting is causing issues with my ability to acquire essentials because of this negative reporting and defamatory remarks on my credit. Again, this company is violating several FCRA laws in addition to my consumer rights by reporting this inaccurate information and refusing to remove 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 explanation
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I rec 'd a email telling me Best Buy was going to charge me XXXX for renewal for coverage of appliance/PC repair. I never actually used any of it from XX/XX/XXXX - XX/XX/XXXX that I did pay for when buying my dishwasher. Attached below, and now expired, Their flagging they went ahead and charged it to my XXXX Credit Card in a email after the fact also attached! Never rec 'd a new service contract. This charge was unauthorized. 
I called the card 's number and requested they stop the unauthorized charge of XXXX and cancel my card. Their supposed to protect me with unauthorized charges and I was not paying for something I didn't authorize. 
They instructed me to call Best Buy also. I called, spoke to their billing office, the lady there told me speak to the XXXX XXXX also. I did and same message that I cancelled my card, I didn't authorize this appliance/PC coverage, and I'm not paying for something Best Buy decided to charge me for. All three parties did not instruct me to do anything else. 
Then I get a check back for XXXX from Best Buy XXXX ( attached check stub ). So I thought we're cancelled now and their was no explaination as to why I got this check. 
Today I get a bill from Citi - Best Buy - XXXX XXXX for XXXX ( XXXX difference on the original total, XXXX fees charged, XXXX interest and a total of XXXX balance. So the check they sent was a hook to use their check, pay interest and late fees! Says made a purchase on the back of the statement. I didn't purchase anything they did. 
I called XXXX and XXXX both of these numbers are the same recording. Useless! I don't have the card I destroyed it after I requested they cancel my card to all three parties. I also have a email they are refunding me See attched. That's the check I just mentioned above they sent me. I'm XXXX yrs old and feel their taking me for a ride and ignoring my cancel request from last month.

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 monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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

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 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: U.S. BANCORP
State: IN
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:
My wife passed away on XX/XX/XXXX. When our son came for the funeral he didn't have a nice pair of dress pants to wear so we went to XXXX to get one. Due to COVID-19 could not try on pants so got 3 pants with different waist sizes so would have one that fit for funeral. After funeral, tried to return the extra 2 dress pants to XXXX but they were not taking returns at the time due to VOVID-19. 
On XX/XX/XXXX I called the issuer of the credit card ( US Bank ) at XXXX Option 6 and they marked the account deceased ( was in wife 's name ) on that date. 
After COVID-19 was more under control returned the extra 2 pair of pants to XXXX on XX/XX/XXXX. The refund was put back onto the cancelled credit card. 
Received refund check from Cardmember Service/Agent for U.S. Bank National Association for {$32.00} dated XX/XX/XXXX. It was made out to Estate of " Wife 's Name ''. When took check to my bank to cash it on XX/XX/XXXX I was informed they couldn't cash a check made out to an estate, please have the credit card company re-issue the check in either my or my wife 's name. I called U.S. bank same day and was adamantly told they could ONLY issue a check made out to an Estate. I was at an impasse.

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 monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently obtained a copy of my credit report, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. SEE FOLLOWING : NEGATIVE ACCOUNT TO BE DELETED ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX ( ORGINAL CREDITOR : XXXX  XXXX ) XXXX XXXX ( ORGINAL CREDITOR : XXXX  XXXX ) XXXX XXXX XXXX ( ORGINAL CREDITOR : XXXX XXXX XXXX XXXX DATE OF INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Company: EQUIFAX, INC.
State: SC
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:
Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805.

Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. 
All versions of names except my only Name " XXXX XXXX ''. 
All other versions are in violation. 
There is only XXXX address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. 
ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 
There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed.

The Student Loans being reported on my credit MUST be removed. Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party. 

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Mr. Cooper Group Inc.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I processed a automatic payment on XX/XX/2018 for my XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XXXX mortgage payment a second time on XX/XX/2018. I then confirmed that my bank made the XX/XX/2018 payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/2018. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft which is causing fraudulent accounts to show up on my credit report. My consumer rights are being violated. I know it is illegal to attempt to collect an fraudulent debt when the company know the debt is fraud. I have informed these companies that I do not owe the alleged debt and it is fraudulent. I demand that they remove these fraudulent accounts from my credit report and cease and desist all forms of communication. I have attached my drivers license and FTC Identity Theft Report as well. Please help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: MiraMed Revenue Group LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I had XXXX at XXXX XXXX, XXXX, XXXX. My surgeon was an XXXX XXXX XXXX physician. I receive my billing on the XXXX XXXX, and claims are submitted through my health insurance company, XXXX XXXX XXXX. All claims were submitted and processed by XXXX, 2023. I set up payment plans for the remaining amounts due via clinic billing services according to XXXX. I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2023 for {$1800.00}. I called XXXX insurance as I was confused as to why I received a separate bill in the mail and that I was under the impression that this debt was inclusive with the current payment plans I have in place. I called the number on the bill to discuss the amount due and make payment arrangements. The woman was hard to understand, but we did our best to communicate. I was told that I should received a call in within 2 weeks to set up a plan. I never received a call back. On XX/XX/2023, I contacted my insurance company again to resolve the billing issue. They told me to file with XXXX if it doesn't get resolved. That the XXXX XXXX XXXX program implies that I should not hqve been billed twice. Today, I learned that the XXXX XXXX XXXX XXXX sent me to collections with XXXX, A global services company, XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I received a call today, XX/XX/2023. 
This is not best practice, nor, did they prove I owed this outstanding amount which is already being paid by my payment plan with my hospital. I want this removed from collections and investigated as to why I was double billed and not offered an opportunity to pay my debt through a payment plan prior to sending it to collection a mere 6 months after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation