BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 

As a result, the courts found that collection of this account is not a valid permissible purpose to obtain a consumer report. 


For collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. ( 15 U.S. Code 6802 ) -SEE ATTACHED FINAL NOTICE!!!

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 2022-05-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The lender repossessed the vehicle. The lender is reporting me as continually late to the credit agencies. I do not believe I owe money on this loan and it should have been closed after the vehicle was taken back. Please let me know what is going on.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: WA
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:
To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing credit Utilization and a credit balance are transactions and experiences. Delete the credit Utilization and a credit balance from the follow accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXL Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$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 explanation
Consumer complaint received 2022-01-25
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am being constantly harassed by a debt collector for a debt that has been discharged previously and now they want to place a lien on any of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Early Warning Services, LLC
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Since XXXX of 2021 I have repeatedly disputed an inaccuracy with EARLY WARNING SYSTEMS about 5 times to this day to have a XXXX  XXXX XXXX account that isn't mine, they never provided me proof of signature when requested about this account. I've tried opening a checking account with XXXX again today to be denied due to this one account that they said supposedly " falls off '' in XXXX of this year. XXXX had the audacity to call my claims and demands for the report to be removed " FRIVOLOUS '' and implied they wouldn't move forward without " NEW PROOF '' for a continued dispute. I keep getting declined due to their negligence and want them held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion HAS BEEN USING MY REPORT WITH OUT MY CONSENT This is grounds for removal and monetary relief immediately. My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section XXXX : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 
XXXX XXXX  XXXX XXXX XXXX {$820.00} - - -No Data wrong account name wrong account number no high balance past due 30 past due 60 past due 90 Total Amount : {$6000.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$0.00} {$0.00} wrong account name wrong account number past due 30 Total Amount : {$3000.00} XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXX -No Data XXXX XXXX XXXX {$0.00} {$0.00} reported late payments during covid violation of cares act XXXX XXXX XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX -No Data wrong account name wrong account number past due 30 past due 60 past due 90 Total Amount : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} wrong account name wrong account number past due 30 Total Amount : {$3000.00} XXXX  XXXX {$1200.00} - - -No Data wrong account name wrong account number past due 30 no high balance Total Amount : {$4000.00} XXXX XXXX XXXX  XXXX {$290.00} - - -No Data wrong account name wrong account number XXXX XXXX {$510.00} - - - wrong account name wrong account number

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 2019-12-28
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
America express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Contact XXXX Email XXXX XXXX I am asking XXXX XXXX  about all the recording call from my cellphone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX XXXX  Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.

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 2022-12-10
Company: EQUIFAX, INC.
State: PA
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:
Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an IRA account with Ally. After initially being able to log in, I sent a deposit to them in the amount of {$7000.00}. 

The following week, I was unable to log into my account. After calling them multiple times, I was unable to verify via their credit security check. I have tried multiple times and have been met with unprofessional behavior and unkept promises to return correspondence. 

I have logs of all my calls which showed I called them more than four times trying to access my account. In the end, I don't even know whether I have an account due to a bizarre email with the subject header " We weren't able to approve your application. '' AFTER I already opened an account, logged in and deposited money. However, after that, I also received multiple emails with the subject " You have a new statement available from XXXX XXXXXXXX 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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer report after I submitted a dispute about it being inaccurate information being reported. I figured it was a mistake on your part however I did not see any changes in fact you stated that the account meets FCRA requirements. That is false these accounts can not meet FCRA requirements because they have not been verified nor have you fixed the inaccurate information on these accounts. I have included a screen shot of each item that I am referring to. I know the FCRA states that my consumer report should be furnished with accurate information otherwise the accounts in question that can not be verified must be removed. Take a look at how many errors you are reporting on my consumer 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
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-11-22
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: NV
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. ACCOUNT : XXXX XXXX # XXXX, Account : XXXX XXXX : # XXXX, ACCOUNT : # XXXX XXXX XXXX, ACCOUNT : # XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX  XXXX # XXXX I filed identiy theft with the IRS, FTC, and the police.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Take note of the enclosed information.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: OK
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:
Hello my name is XXXX XXXX and I am protected by FCRA law as an individual with rights. I see multiple unauthorized and fraudulent inquiries on my PERSONAL CREDIT REPORT I HAVE NEVER SIGNED PERMISSION FOR any of these companies to place their inquiry upon my report. Also under FCRA 15 USC 1681 I have the right to privacy on my credit report. THIS HURTS MY ABILITY TO HAVE A HOME AND TRANSPORT TO AND FROM WORK. 

I NEED THESE REMOVED NOW! 

ON MY EXPERIAN REPORT XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry dateXXXX XXXX XXXXXXXX XXXX XXXX  Inquiry dateJul XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX  Inquiry XXXX XXXX, XXXX EXPERIAN XXXX XXXX Inquiry dateXXXX XXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX 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 2022-01-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I ask Discovery Card company why if the card has been close for 2 years why Im being charge Interest for a cash transaction and purchase transaction if Im not using a card the card has been closed for 2 years they told this is normal how could this be if Im not able too use this card please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So cash app has a referral bonus going for inviting people and on atleast 6 or 7 invites ive completed the steps as required and was not awarded my bonus and neither was the people i invited. When contacting cash app customer service they just copy and paste the steps to get the bonus and say thats all the information they can give and end the chat. They in no way try to actually help or solve the problem. There was even an instance when one of the people i invited contacted their XXXX  support and XXXX support told them that the payment was issued but could not be completed by cash app and that the payment would not be re issued. What!? So a cash app payment could not be completed by cash app and it will not be reissued meaning I should have gotten the payment but since your system didnt complete it im just not going to get my money? That is extremely messed up and fraud this company needs to be regulated more or shut down for their fraudulent actions and lack of customer support. They dont care about their customers or attempt to help them they just copy and paste boilerplate responses then send you on your way with absolutely no resolution to your problem. I just recently sent a invite to my younger cousin and he used my referral code he sent me the required {$5.00} and he added a new debit card and the referral wasnt given to us and when he contacted customer service they just copy and pasted the steps to get the referral which he did and ended the chat.

Company response to consumer: Closed with explanation