BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
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:
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-02-23
Company: Debt Recovery Solutions, LLC
State: FL
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:
Hello, Debt Recovery Solutions has been harassing me on and off for over seven years.

They stop for a while and then pick up where they left off 3,6,9 months later. 
Is this legal? Can something be done about this? 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Our escrow check was mailed to another client with a mortgage from Chase and cashed via mobile banking from a XXXXXXXX XXXX in a different state ( XXXX PA ), check # XXXX in the amount of {$5600.00} cashed on XX/XX/XXXX with a routing # XXXX.We received someone else 's escrow check that we immediately returned to Chase as the name on the check was not ours. We then never received our check. We have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX to name a few. We have been sent numerous times to call centers in XXXX and other countries only to have to begin the escalations again and continually get transferred. Chase lost or claimed to not be able to read our first documents that were sent in XXXX that sent 3 ways : via email, fax, and snail mail. Escalations began on XX/XX/XXXX when we realized that our excess escrow money was NOT rolled into reducing our mortgage payments. I was sent a copy of the fraudulent check from Chase who tried to claim no fault. Same thing from XXXX. There are two names on our check and both banks have our signatures on file and we always made to both sign as we have separate checking accounts- whomever mobile deposited this check did so with one scribble and a click of their phone. 
We have filed multiple forms, multiple times, met with XXXX reps, had a minimum of over XXXX calls in over 6 months totaling 80 + hours of our time trying to get our check reissued and have someone take responsibility. These banks have insurance to cover this and it has gone way beyond the time frame allowed for resolution. We have gone to XXXX ( who allowed this to be cashed ) and still no one is taking responsibility. We have been to fraud, to escalations ( chase escalations # XXXX ) to our mortgage lender to a law office. We are extremely frustrated with how we are being placated with " we are working on it '' and no one is trying to make good on their error. We have done nothing wrong except to uncover the fraud and attempt to get our escrow check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2023-09-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/2023 and I noticed that this Inquiries had been made

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 2022-02-06
Company: Experian Information Solutions Inc.
State: OH
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, Experian was sent a dispute letter which I have included in this complaint. They failed to remove ... past repossessions, doctor bills, or bills that have reached there statutory limitations.. old addresses, old jobs Hard inquiries They refuses to comply with federal law!

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 2021-06-23
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
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: Information belongs to someone else

Complaint:
There are XXXX credit cards that are reporting to my credit profile with balances of {$8100.00} this account is being reported as closed. the second account was reported closed with a balance of {$8100.00}. the third and final account balance is reported as {$7900.00} and this account is closed. I have reached out for this accounts to be closed and removed from my credit profile as they are inaccurate and this is affecting my credit rating with these fraud accounts being reported I reacher out on XX/XX/2023. the company closed the accounts but did not delete them and refuses to delete them this is against the law no inaccurate information may be on my credit report. My email address is XXXX and my number is 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 2022-02-06
Company: EQUIFAX, INC.
State: OH
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, Equifax, XXXX was sent a dispute letter which I have included in this complaint. They failed to remove ... past repossessions, doctor bills, or bills that have reached there statutory limitations.. old addresses, old jobs Hard inquiries They refuses to comply with federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sirs. 
A XXXX citizen permanently resident in XXXX contacts you. I have a conflict with Wells Fargo bank regarding my {$4000.00}, which I ask for your help in resolving. The essence of this conflict is as follows. 
I am a law-abiding citizen, a XXXX and a XXXX person, regularly pay all taxes. The amount of {$4000.00} is very large for me, and I have been saving it for more than three years because it is equivalent to my net income for one and a half years. At the end of XX/XX/2019, in order to purchase XXXX presents for me, I wanted to transfer this money from my dollar account in XXXX to my friend in the USA on his current account with Wells Fargo bank. But due to technical errors of the employees of my bank in XXXX, the operation was performed in the amount of XXXX zlotys from my other current account. Accordingly, the amount was sent about 4 times less than I wanted. After discovering this error, my bank, with my consent, returned this amount of XXXX zlotys to my current account in XXXX, and on XX/XX/2019 I again sent the correct amount of XXXX dollars to the USA. But for some reason, this money was not credited to my friends bank account in the USA for a long time. I began to worry and on XXXX demanded through my bank a refund of this amount of XXXX dollars. However, the return was not made within a reasonable time. Therefore, on XX/XX/2019, I wrote an email to Wells Fargo bank in the name of XXXX XXXX XXXX, Senior Executive Vice President, Community Banking and Consumer Lending. But as a result of XX/XX/2019, I received a completely empty answer from another employee of this bank with a proposal to call her on the phone. I am a XXXX  citizen and XXXX, I dont have money to call the USA. Therefore, on XX/XX/2019, I filed an appeal with my bank and, just before XXXX, on XX/XX/2019, I received a response from my bank instead of a gift, which simply shocked me with its contents, that according to information received from the correspondent bank, the Wells Fargo bank refuses to return the money. Thus, Wells Fargo bank, with which I do not even have partnerships, has appropriated all my savings in more than three years. An employee of my bank in XXXX recommended that I contact the Consumer Financial Protection Bureau for help.

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 2021-07-20
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After multiple of disputes no information provided by the company ( Santander Bank ) is matching any of 3 Credit Bureaus .Enclosed is a reply from Santander . 
Date account opened : Santander XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XX/XX/XXXX1 XXXX XXXXXX/XX/XXXX # of Month of terms : Santander XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Balance : Santander {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX It means Santander have never conducted investigation and have never responded to XXXX and XXXX. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that Santander Bank refers to!!!!! How do I even know who this account number belongs to??????? 
Immediately delete this account from my credit report according to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm 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 2023-10-30
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX I was notified by one of my credit tracking agencies that my credit score was being adversely affected due to the closure of one of my credit cards. The card identified was my TJ Maxx Card. I received no notification from TJ Maxx. I contacted TJ Maxx and asked and they confirmed that the card had been closed. I asked why and they said because it had not been used for a certain period of time. I asked if they had tried to notify me and they said " no '' that was not their policy. I explained that I had just moved that month and was now near a TJ Maxx store. While their card can be used outside their store, I typically just used it at their stores. Prior to XXXX I lived in a small town in XXXX and there was not a nearby store. I actually still have several hundred dollars in TJ Maxx gift cards I need to use. I mentioned that my other cards all contact me about usage and allow me time to use the card to keep it active. They said that was not their policy. My card indicates that the card does not expire until XX/XX/27. 
I actually like their stores and I'm not sure why they would treat a loyal customer this way. I think it is extremely poor business. Aside from that it has affected my credit score in a negative manner with no notice or opportunity to correct the matter.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in Reference to the following : XXXX XXXX XXXX XXXX XXXX in Transunion XXXX XXXX Confirmation Number : XXXX XXXX. Case Number : XXXX Although my previous filed complaints with Transunion and XXXX were still OPEN, since they have already sent me a correspondence about the results of their reinvestigation, I need to make a secondary complaints today because I am very dissatisfied with the result of their investigation with the said Creditor, Their information don't jive with each other. It seems that they fail to communicate with one another resulting in various interpretations on this one single item that they have furnished on my credit file.

I find it really unfair on my end because this is ruining my name and character as a consumer. My credit profile reflects my creditworthiness as a person and improper delivering of information may result in giving other creditors some negative perception by judging my credit capability.

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 2023-10-29
Company: FC HoldCo LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
they are reporting balances on accounts that have been charged off for years. 
The original companies already received the tax write off for those balances which means those balances are no longer valid.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry 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 2022-02-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX and PREFERRED LEASE XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This is identity theft. They stole & furnished my information without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to get proper validation bearing my signature on a signed contract making me responsible for this debt. Within guidelines to the FCRA. 

The responses that I keep getting are that theyve verified my name, dob, social and address which is considered verification not validation.

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 2021-03-29
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2021 certified mail sent to an address that never belonged to me. 
XX/XX/2021 court document along with a credit card statement also taped onto the front door of the same address that never belonged to me. The owner of the address contacted me and sent me photos of the documents that was taped on the front door! The company is Midland credit management. They have my correct address and Ive never been contacted at my home regards to this issue. Ive called midland credit several times and can not get any information about this account until Im giving them my personal information on which Im refusing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX andstill nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATEOR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2021 I disputed this account with all three credit reporting agencies as well as the creditor. This is not my account. I have never done business with this creditor. I have asked to be shown the original contract with original signature in when I filed my dispute with ALL the MAJOR credit reporting agencies. I have not had the response that I am searching for. This account needs to be removed from my credit profile. This is adversely hurting my score. I am a XXXX XXXX veteran and a lXXXX XXXX  XXXX and I believe I deserve better results from our nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I requested a debt validation letter from XXXX and Equifax for an XXXX XXXX XXXX regarding a loan for a {$6400.00} loan. Unfortunately, XXXX and Equifax have yet to verify the account with my signature and owed amount to XXXX XXXX XXXX XXXX XXXX. Unable to verify debit is required to remove from credit report within 30 days of the requested date.

Company response to consumer: Closed with explanation