BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There is incorrect information reporting on 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 2019-08-12
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: Account information incorrect

Complaint:
Hi to whom this may concern I just received my credit report and it's showing that I have currently been past due, and that is incorrect I have not been past due on any of my accounts. you can check my credit and I have paid all my accounts on time. I would this derogatory remark to be removed from my credit report immediately Please and thank You ... it also shows Serious Delinquency on my repost that is also incorrect please remove the derogatory remark of my credit report. 


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 2019-08-12
Company: EQUIFAX, INC.
State: OK
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:
To Whom it may concern : Starting in XX/XX/2019 I started reviewing my credit file for inaccuracies and found several with old addresses, phone numbers and names that did not belong to me. I contacted the credit bureaus to get the information that was not mine updated. Upon doing so a Fraud Alert was placed on my account with Equifax, without my request. I immediately contacted them and had the alert removed. When I did this the representative opened disputes on all my old accounts that were closed and reopened them to show negative marks such as past due or charged off. This immediately caused my credit score to drop over 25 points. Equifax has continued to cause inaccuracies on my consumer report causing much distress and inconvenience. With the XXXX Account myself and XXXX   have submitted request several times to update accurate account balance information. Equifax is still showing a high balance from XXXX of 2019 in the amount of XXXX. And they have refused to update with the correct statement balance of XXXX, which is causing my credit utilization to be high. 
With Equifax making the inaccurate updates and changes it is notifying XXXX of the changes causing this credit score to not be accurate. I was at a XXXX and because of this I have now dropped to a XXXX. I have had to lose time at work contacting creditors to make the correct updates and they are unsure as well why the accounts have been updated and or changed. I have worked extremely hard over the last 6 months to put my family in a position to buy a house and start a new business and with the way Equifax and XXXX has handled my accounts and request have prolonged this from happening and has caused me more stress than I ever have experienced. Due to Equifax it makes it look as if my bankruptcy has started all over again and has ruined the chance of any bank extending me credit. My credit report was locked with XXXX XXXX, XXXX and XXXX XXXX, yet they were still able to make request. I feel like my rights as a consumer have been violated. 

I would like for the negative remarks to be removed from my credit report and my credit report back to the original status that it was in XX/XX/2019 reporting score at XXXX. I would like to further investigate filing a lawsuit against Equifax for all the damages, time taken away from work and distress of having to deal with this getting fixed again. I would like to see my accounts reflect accurately. I would like for all of the old addresses & incorrect information that Equifax has listed that has already been requested to be removed to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item.  During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts. 

For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week. 

I asked for this information, which is my right, yet they have failed to provide me with any of the items. 

1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe.

2. What the money is owed for.

3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt. 
4. Payment history from the original creditor.

5. Proof that they carry a bond.

6. Proof that they are licensed to collect in my state of residence ( California ).

7. Proof of license numbers and Registered Agent or Agent of Service.

To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 

They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: IN
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:
I have contacted this collection agency numerous times asking for copies of my original contract/purchase agreement because I have never signed up with them nor given permission to them to open an account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I paid my rent payment to XXXX XXXX XXXX and had available funds for transaction of {$1900.00}. Regions rejected payment on XX/XX/XXXX. They admitted mistake and reimbursed me for return check fee, but theyre not willing to reimburse me for the {$150.00} the other merchant charged me.

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 2018-12-06
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
I appreciate how quickly you took action and how successfully you got rid of some of the bad things that were previously on my credit record. I think there are still problems with my file that need to be fixed for the time being. I thus request that all erroneous information mentioned in my credit file and attachments be immediately corrected. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : 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 2021-03-17
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact company several time with no response. This is not my debt. I don't have an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 2017-12-21
Company: JPMORGAN CHASE & CO.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
JP Morgan Chase has made an egregious mistake on my credit card account billing me for unauthorized fraudulent activity perpetrated by criminals as a direct result of a loop hole in Chases banking system that erroneously allowed payments to be reversed on my credit card resulting in {$57000.00} in total charges including the original fraudulent amount and interest and fees that have accrued as a direct result of Chases incompetence in not more promptly resolving the matter and greed in wanting to profit from criminal activity while scapegoating the innocent customer into footing the bill. This is not only unlawful but deeply unethical leading to defamation as my credit score has declined resulting in lost employment  opportunities as Im currently unemployed and looking for work as a direct result of this incident and tremendous stress leading to declines in my mental health that have resulted in XXXX, XXXX and thoughts of XXXX. Instead of showing the slightest good will towards a loyal customer, Chase corroborates with the criminals in taking advantage of the innocent at my most vulnerable by providing a banking platform for criminals to carry out their scams while turning a blind eye to the scheme despite repeated notifications to the fraud department as far back as XXXX when I first discovered the scheme and notified police. Furthermore, the eventual tally resulted from not just a single reversal but multiple and after discovering the first one and notifying Chase, Chase did not at all correct the mistake or attempt to stop more from happening on my account. This is in direct violation of the Bank Secrecy Act of 1970.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CO
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 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 2023-08-11
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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not delete these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 2023-04-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My first incident with Chase Bank started on XX/XX/2023. I have a new Chase account so this was the first check I deposited into this account. The check I deposited with online banking was in the amount of {$720.00} and the bank placed it on hold. I called customer service and they told me I would have to wait 10 days for the check to clear. First, they said it was because of unusual online activity, even though I verified it was me who did the activity. Then, they said it was because of a {$77.00} overdraft fee, which the check I deposited would have covered. I then called the next day and a rep told me how the process works and that my boss who assigned the check, my boss 's bank, the Chase deposit review team, and I would have to be on a 3-way call to verify the check. That's when I realized I have been lied to. I ended up waiting 10 days and then received my funds. After 10 days, I deposited another check on XX/XX/2023. This check was in the amount of {$1400.00} and was immediately placed on hold when I deposited it with online banking. I called the bank and asked why all of my checks were being placed on hold and every representative was rude on the phone. I got responses like " I would have to wait the 10 days and that it'd nothing you can do about it '', and " It's because the activity in your account is fraud ''. They transferred me to about 6 different representatives. A representative on the phone even became argumentative and said can " Can I ask you a question? '' I answered the one question and he said " I'm not finished with my questions and that he would not help me. '' Long story short another representative called me with my boss and the deposit review team, my boss verified that she issued me the check and the Chase rep said that my check would be taken off of hold within 24 hours. The next day my check was still on hold I called and the rep made my funds available after waiting an hour on the phone, but my card was deactivated so I could not access my funds. The rep said someone deactivated it for fraud. I never deactivated my card and they never asked me if I wanted my card deactivated. There wasn't any activity made after the second deposit because I could not access my funds. I currently have a new card coming in the mail and trying to figure out a way to access my funds. I was told I have to wait for the new card to arrive in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Please provide feedback about the companys response. 
You have 60 days from when the company responded to your complaint to provide feedback. To provide feedback about the companys response you can log in to the Bureaus secure website or call us at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., Eastern, Monday-Friday. 

COMPLAINT ID XXXX company never responded

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 2021-03-17
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2019-08-12
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} in the form of a company hand written check by its owner. The check was given to general contractor at my home where we discussed the remodel job. This first installment was to pay for kitchen cabinets and to start the remodeling job with the memo line reading for XXXX ( name of building and unit ) XX/XX/2018 XXXX XXXX XXXX, XXXX, processed my {$15000.00} check for cabinets, install and commencement of work at XXXX XXXX at a Huntington Bank branch most likely in XXXX, IN. 

Owner signed the check with his name only. 
The Huntington Bank guidelines for XXXX check endorsement policies : 1. Business Endorsement on a Check : If a check is made payable to a business, then an authorized person must endorse the check on behalf of the business. 
a. Sign the name of the business as it appears on the pay-to line. 
b. Sign your name c. Write you title with the company ( Owner, Accountant, etc. ) d. Add any restrictions like For Deposit Only.

2. Match Name on Check The name in the endorsement must match the aye ( Pay to the Order of ) name on the front of the check. 
The check was negotiated for the full cash amount of {$15000.00} written to an LLC with improper endorsement according to XXXX XXXX endorsement policies and disclosures. 

XXXX Company Name : XXXX XXXX XXXX XXXX Signatory and title : XXXX XXXX XXXX, President Huntington Bank also states on their website all checks written from XXXX requires a two day hold. Huntington Bank VII. Funds Availability Policy ( Page 16-17 ). 

According to the Huntington Bank availability of your funds, deposits made from XXXX Accounts the entire amount will be available on the second business day after the business day of deposit ( However, at least {$200.00} of your total deposit will be available for withdrawal on the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Old information reappears or never goes away

Complaint:
XXXX XXXX reopened a charged off account in XX/XX/XXXX that was charged/ voluntarily repossessed back in XXXX without me making any type of arrangements or any changes to the account. There has been no changes or updates since 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