BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-02-03
Company: EQUIFAX, INC.
State: TX
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:
Hi, I sent your company a dispute letter last month, XXXX XXXX, 2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2019 Balance {$10000.00}

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the first Complaint I recently submitted requesting the correction of my Credit File by deleting the fraudulent accounts and information off of my Credit File. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the Accounts and informationthat are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.

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 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Problem with personal statement of dispute

Complaint:
In XXXX XXXX XXXX XXXX, my credit report alerted me that there was a " late payment '' blemish from my unused Spirit Airlines credit card through Bank of America. I immediately called Bank of America, because I was not informed of any charges made to my card and did not receive any subsequent statements or notices indicating charges, balance and/or delinquency. When asked to furnish proof that I was properly notified of such, the bank was unable to comply. Accordingly, the account was then placed in good standing, the late fees were waived and the credit issue was remedied. By late XXXX XXXX XXXX, the " late payment '' blemish was no longer on my credit report and my XXXX XXXX was finally repaired from the error. By XXXX, my XXXX XXXX XXXX reached XXXX. Less than 15 days later, it dropped down to XXXX as a result of the erroneous " late payment '' blemish from Bank of America re-appearing on my credit report. I immediately disputed the previously remedied issue once more and did not have success. Bank of America refused to look further into the issue despite being unable to furnish proof of FCRA compliance and despite having fixed the issue initially. I have attached a timeline of my XXXX XXXX to this submission for additional context.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an issue with a collection agency for returned checks at Navy Federal Credit Union. XXXX, the company, resubmitted the checks on multiple occasions causing returned check fees at the bank, and also submitted their XXXX service charge as an XXXX-authorized deduction from my account, creating more XXXX fees as they submitted the transactions separately. and the service charges were submitted after the resubmission which they knew did not go through. The checks eventually cleared along with the separate service charges submitted by the collection agency. 
I spoke with Navy FederaXXXX and disputed the service charges as unauthorized, having never agreed to them using XXXX for their service charge. The bank then orders the account for the entire amount of the checks and the service charges and advises the business that I had stated they postdated the checks, and I was denying writing the checks for the purchase which was never an issue. 
I went into my account to get the account statements and found tro be locked out and unable to access any statements relating to the dispute. 
This occurred after going to the store where the checks were written, when the owner grabbed me and drug me through the store telling me he did not want me there ever again. I was never aware of the bank advising them of those lies, and the bank was told after they credited the account that they made an error as I was not disputing the checks, just the allowance of a collection agency to use ACH and access my account. 
The bank CEO was notified of the situation, after getting nowhere with customer service. Now I am charged fees with money in the account and have been denied access to my statements where the business had been paid. I spoke with the business the day of the assault, and told him I would bring back the statement where it was paid, as I never disputed his transactions. The owner stated the money was reversed and he had not been paid over XXXX. The bank has made me look as if a fraudulent person, and this being only XXXX of the times they have done this, after complaining about charges and receiving no products from XXXX. The company ordered from having no phone contact or address to get hold of them and do not respond to emails. XXXX Fed. states they spoke with them, but that is not true.The bank had no right to lie to the company, had no right to block me from my statements, and the CEO office stating they would write a letter to thr business after hearing the recorded dispute. but they will, not advise the businesws that I never stated anything about them postdating checks or denying to have written the checks. I am no longer allowed in the store, have been humiliated in front of my town friends and XXXX XXXX is a liar and uses accounts to advesrly affect its members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/23 my accounts were closed following a returned payment on one of my 4 American Express cards. 

That day, XXXX bank could verify, I had the money in the account to cover the transaction. 

I called immediately, and was told to bring all of my accounts current and I would have no issue getting my cards reinstated. 

I then, paid off 2/4 cards. Significantly reduced the balance on the other 2. I had to call to do so because I was unable to do so online. 

I called to have my cards reinstated and they acted like they had no idea what I meant. I finally got transferred to someone who told me to just apply for new cards. Amex has multiple programs such as XXXX, etc. nobody will tell me why I was not offered anything. I have been a good customer. I started a new business and had some payments not go through because of new bank accounts etc ( you can see I paid for years through one account, and now am from another ). 

I just want some or all of my Amex back. I have never left Amex hanging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXXXX/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 2023-05-03
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint claiming I was a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 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 unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2023-12-15
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: Account information incorrect

Complaint:
I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy.

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b.

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by TransUnion, XXXX and XXXX. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time.

I kindly request the removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account XXXX : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account XXXX : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account XXXX : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account XXXX : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts from my credit report.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2023-05-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to complain about two checks that I deposited in person with Bank of the West in XXXX XXXX, CA on XX/XX/22 and XX/XX/22. It has been almost 6 months since my first deposit and the funds have not been credited into my account. I have made numerous visits, phone calls and sent emails in an attempt to understand where the funds are or to have the checks returned to me to no avail. No one has been able to provide me with the status of my check deposits. I have included below my XX/XX/22 email to the relationship banker who opened my account and her response and also attached copies of the Bank 's internal form " Outgoing Collection Receipt '' showing my deposits. I am hoping that you can assist me in the collection of the XXXX euros  ( {$3800.00} ) deposits. 


For additional background, on XX/XX/22 I opened a checking account with the Bank of the West and deposited {$1.00} cash and a check made out to me for XXXX euros  with instructions that the monies were to be converted into USD and then deposited into my checking account. Even though the deposits were in euros, I was assured that this was ok since the bank 's was owned by the XXXX bank XXXX XXXX and that they would handle the currency conversion. I made another check deposit to this account from the same vendor on XX/XX/22 in the amount of XXXX euros for a total deposit sum of XXXX euros ( see attached " outgoing collection receipts '' ). The Bank has recently been sold to BMO Harris Bank N.A. Member FDIC. 


Other than these two deposits, there has been no activity with the account and no record of these deposits being made into my account. Additionally, I was recently notified that my account was overdrawn ( see attachment ) and the Bank is requesting a deposit to cover the overdraft amount due to a {$9.00} service charge. This matter further concerns me as it states that unless I make a deposit, my account will be in default and notice of the default will be sent to a collection agency which will negatively impact my current excellent credit rating. When i log into my checking account, there is no record of my deposits totaling XXXX euros ( XXXX USD ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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