BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 : XXXXXXXX XXXX XXXX acct # XXXX ( XXXX  XXXX XXXX XXXX # XXXX ). XXXX  XXXX acct # XXXX. XXXXXXXX XXXX acct XXXX XXXXXXXX XXXX XXXX acct # ... XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX. acct # XXXX has violated my rights.

15 U.S.C 1681 section 602A states, I have the rights to privacy.

15 U.S.C 1681 section 604a also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-04-26
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2017-07-19
Company: Experian Information Solutions Inc.
State: TX
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 contacted XXXX XXXX regarding this account notifying them that this account was not mine I never attended this school. I asked XXXX XXXX to verify this but they verified it was 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 explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: TX
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 XXXX, has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. states I have a right to my 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Netspend let some one go into my bank for a span of 4 days starting XXXX. They blocked my card on XX/XX/XXXX when the scammer started using my card in California in i live in XXXX XXXX and was at work during the transactions that happened in both states, netspend only gave back the California transactions and never gave me my XXXX back from the XXXX XXXX ATMs i never been to and it doesn't matter if the pin was enter corrected and they are still trying to make me feel like I took my own money or someone i know took it. They told me I cant be a Vitim of fraud in the same city i live. no access device was used so they violating regulation E. They told me I will have to wait to get the dispute documents to speak with the dispute department, I received them on XX/XX/XXXX still no call they are saying the dispute department called me on XX/XX/XXXX but i have no miss call or voicemail form that day so they are giving false information to me and telling me now I cant even speak to the dispute department every supervisor i talk to have hung up on me and I received emails I will be getting a call here it is XX/XX/XXXX and still haven't talk to the dispute department. They keep submitting request every time call for me to be told I have to keep waiting -1-2 business days. corporate supvisor never called me back synina supervisors .I sent proof that I was at work when the transactions happened and the bank isn't looking at the actual fraud. I don't have history going to banks taking XXXX out a day. I never been to those banks. I had to goggle were they was at. My email is showing proof that I just want my money that was taken form and two transactions I didn't receive the service or didn't make the transactions at the time shown and they aren't trying to give me my money back please help me look into this bank and wrong doing against me. I had to wait hours to speak to manger just be hung up on so many times and treated so wrong, this has caused me angry and stress. I'm seeking legal help how i been done treated. please help not listen to this bank I have screenshots of emails and my call log that I didn't receive a call from the dispute department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: WA
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:
PLEASE HELP ME!!! 

Equifax actions has made it impossible for me to find a place to rent which has caused me to beome homeless. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am permanently XXXX veteran and need a place to live. 




XXXX XXXX account balances does not match on report. XXXX {$12000.00} ; EQ XXXX ; XXXX XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete XXXX   {$33000.00} ; EQ XXXX ; XXXX XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. error. 
please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-08-28
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I began receiving notices that my wages would be garnished to pay Midland Credit Management ( MCM ) late in XXXX. Starting on XX/XX/XXXX my wages were garnished until XX/XX/XXXX when the total sum of {$1000.00} was garnished from my paychecks. That collections account is still on my credit report and a MCM representative told me that it is my responsibility to contact the court to ask a judge to sign an order of release of the funds to them. 

This seems unfair to me because : -I didn't think MCM could legally garnish my wages for a collection. It was my understanding that if I didn't pay a collections debt the consequence was a negative impact on my credit, and possibly that if left on there it would fall off my credit report after 7 years -MCM put the process of garnishing my wages through pretty quickly with a court order but suddenly they can't do anything to contact the courts about receiving the money garnished from me. Why is it my responsibility to make sure they get their money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/21, I was at work and was alerted that the phone number on my bank account through Chase Bank was changed. I did not make this change. I immediately went on to the banking app and saw that there was a new joint savings account opened in my name by someone named XXXX XXXX ( clearly a made-up or stolen identity, as I have no relations to anyone by that name ) ending with XXXX. {$15000.00} was already transferred out of my savings account. While I was on hold trying to get on the line with a customer service representative, an additional {$30000.00} was transferred out of my savings and checking accounts into this fraudulent account. I immediately filed a complaint and initiated a claim with Chase and went to my local police department to file a police report. I subsequently locked all of my credit bureaus. Two days later I went to a local branch to submit another complaint and to continue with the claim. Five days later I received the official police report and went back to the XXXX branch to submit the official report. The banker stated that she faxed over all the necessary paperwork for the claim to Chase 's Identity Theft Department. Three days later I had not received any updates so I called to follow up on the claim, and I was informed that NO official claim was submitted and no paperwork was received. The next day ( Saturday ), I went to a different branch to follow up once again. All the paperwork was re-faxed, but the bank did not " start working on it '' again until two days later ( Monday ). Two and a half weeks later from when the fraud was completed, I receive a notification that my claim was rejected because the transaction was 'processed correctly or authorized ' and that no adjustment was going to be made to my account. I authorized no such transaction and am hence submitting a formal complaint against JP Morgan Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Delete XXXX XXXX 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2019-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Unfortinately due to divorce jobless homeless but now back on feet. i became behind on loan with bank of american for {$35000.00} which i have had since XXXX. 15 years and nowhere near able to pay off a predatory loan. So during the time i was getting back on my feet i was notified that my loan had been transfered to collections to XXXX XXXX XXXX. i started contacting them. The big problem has been a continuious issue with credit reporting between BOA and XXXX  due to they are linked companies. I have kept a good payment record with XXXX but the problem was BOA would be reporting wrong if i disputed my credit accounts XXXX-present. BOA is a closed account but when it was disputed all the sudden the account had a {$35000.00} balance on a closed account. this was dropping my credit score down to 500 's  .After several months of fighting between BOA and credit bureaus i got that issue fixed. for the moment! 
Now to my big issue. BOA is reporting late payments to date on their closed account with me. This was transfered to XXXX inXX/XX/XXXX how is this possible?? XXXX credit report shows on time payments. i have fought this abt from beginning of XXXX i was calling back and forth between BOA and credit bureau 's and three way. no progress in fixing situation. Even with faxed letter from BOA with filed dispute and BOA own investigation with XXXX investigation without change! six months of dropping credit scores. This kept me from refinacing several times last time with XXXX XXXX. i find keeping credit scores down is purposefully done to keep the preditory loan inplace to make nothing but interest and loan that can never be paid off.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX attempt to purchase XXXX XXXX Became sick for over a year with XXXX. REQUESTED COURTESY REMOVAL OF ALLLATE PAYMENT ON VALID DEBT. 

HELP PLEASE ERGE CREDITOR TO COUSTEY REMOVE ALL LATE PAYMENT AS I HAVE HAD THESE ACOUNT OPEN AND PAID AS AGREED FORWELL OVER 6 YEARS AND ONLY LATE A FEW TIME DO IT COVID MEMORY LOSS ILLNESS JUST NEED A LITTLE HELP!!! PLEASE CREDIT SCORE DOWN XXXX POINT .... 

REMOVE FOLLOWING ALL LATE PAYMENTS 1. XXXX XXXX reporting to XXXX Experian XXXX Account # : XXXX Account Type : Revolving XXXX. XXXX Reporting to XXXX, Experian XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXXXXXX Reporting to XXXX XXXX Experian & XXXX Account XXXX : XXXX XXXX XXXX XXXX Reporting to XXXX, Experian XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX. XXXX Reporting to XXXX Experian XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Experian XXXX XXXX Account # : XXXX XXXX XXXX Experian XXXX XXXX Account 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 2023-07-28
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: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, check out my drivers license supporting my dispute. Thank you for your prompt attention to this matter The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Also, EQUIFAX has my name incorrectly spelled and/or listed on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent Experian two dispute letters and this is my third complaint against this company about an inquiry that is on my credit report, the inquiry in question is XXXX XXXX XXXX XXXX XXXX and the inquiry date is XX/XX/2018. I asked experian to provide me with the original documentation bearing my signature and they keep refusing by telling me that they don’t have to. I contacted the data furnisher that is reporting this inquiry on my credit report and I asked them a few questions, the first question was, how did this inquiry ended up on my credit report and the manager at this business told me that I went there and they ran my credit, the next question I asked them was, is my signature anywhere in any documentation or in any type of application because I know that if I applied in person an application bearing my signature must still be kept in their files and I was told that they do not have my signature anywhere, my last question to them was if they had received any request from Experian asking them to verify the inquiry in question and I was told no, that they have never received anything from Experian. Experian keeps telling me that the data furnisher verified this information twice and that is completely false, this is my last attempt to get this inquiry removed from my credit report, if Experian wants to keep breaking the law and they want to keep ignoring what the FCRA says about permisible purpose being need it in order to do a hard pull on my credit then I will not hesitate to file suit against them in small claims court for defamation of character and I will be seeking $XXXX dollars per every violation that Experian is doing on my credit report. EXPERIAN’s own website says that creditors need permisible purpose from me as the consumer in order to do a hard pull on my credit and that is what I want experian to provide me with, if they can’t provide me with this information then I want this inquiry deleted immediately. Credit reporting agencies and creditors must obey and go by the FCRA rules and Experian is doing the contrary by lying to me and telling me that this inquiry has been verified. I want to see the application where I signed and gave authorization to this business to do a hard pull on my credit, if an application is not available then I want the inquiry deleted 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 2019-03-13
Company: LD Holdings Group, LLC
State: SC
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:
On XX/XX/2018, I contacted Loan Depot ( XXXX/XXXX XXXX ) to  inquire about mortgage interest rates being offered. I informed the agent that I did not want an inquiry conducted that would show up on my credit report and was assured that it would not due to the fact that I had previously went through the process with another mortgage company. The agent instructed me that all mortgage inquiries conducted within a 45 day period would only count as one inquiry. After checking my credit report, I see that each inquiry related to mortgage loans is treated as a separate hard inquiry. There were a total of three hard inquiries within a 30 day span that had a negative impact on my credit score. I feel misled by this company and would like to have this inquiry removed from my credit report, if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
I request that you take immediate action to investigate this matter and remove any other inaccuracies 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 non-monetary relief