BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Subject : Disputes with Credit Reporting Agencies - Request for Assistance Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of great concern regarding disputes I have encountered with the three main credit bureaus : XXXX, XXXX, and TransUnion. I have been diligently working to rectify discrepancies on my credit report related to XXXX specific accounts. Despite my efforts, these discrepancies persist, and I believe that my rights as a consumer are being compromised. 

Below, I have outlined the details of each account in question along with a brief summary of the issues : 1. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Sold ; Charged-off - Remarks : Purchased by another lender ; unpaid balance charged off - Action Taken : I have paid this account, and it should be reflected accurately. 

2. XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$2700.00} - Status : Collection - Remarks : High balance discrepancies- Action Taken : The reported information is inaccurate 3. XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$1200.00} - Status : Collection - Remarks : Placed for collection ; not my account - Action Taken : I dispute the validity of this account ; it is not mine. 

4. XXXX XXXX ( XXXX Accounts ) ** - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Current ; Paid as Agreed - Remarks : Credit card lost or stolen - Action Taken : Both accounts are closed and should be removed from my report. 

5. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Account Paid in Full ; was a Collection - Remarks : Settled less than full balance ; paid collection - Action Taken : I request the removal of this account from my report. 

6. XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$4000.00} - Status : Charge-off - Action Taken : Submitted mutliple disputes. 

7. XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$7600.00} - Status : Collection - Remarks : Account previously in dispute-now resolved; placed for collection - Action Taken : I am seeking removal under the XXXX XXXX due to domestic XXXX concerns. 

I have attached supporting documentation to validate my claims. Please investigate these matters with the respective credit bureaus and facilitate the correction of inaccuracies in my credit reports. Your prompt attention to this matter is highly appreciated. 

Thank you for your assistance. 

Sincerely, 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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, Child Support : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2019-11-15
Company: Experian Information Solutions 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:
experian you are reporting XXXX XXXX XXXX 7 times on my credit report stating collections enclosed are a copy of the accounts on your report .I have emailed, mailed and faxed for information from XXXX  XXXX  XXXX  with NO response SO i looked up the company of the XXXX  it states that the company appears to be out of business document enclosed seems mail sent on XX/XX/2019 was returned to the post office { as attempt-not known } that explains why I can not get the documents with my alleged signature and proof of service that XXXX  XXXX XXXX  claim and that XXXX  can not provide the documents to me in a statement from XXXX to CFPB they state that they did not purchase these alleged account but was asigned to them I question that because this company has a bad recorded with the ATTY GEN and the FTC . XXXX has already violated my HIPPA right by Sending a copy of alleged dates with name what the billing is for to the CFPB and you were sent that report in protest NOW XXXX  XXXX  XXXX   XXXX can not validate these alleged accounts i request that they be removed from my credit report because they are not mine there is no contracts with my wet ink signature nor proof of service all documents are enclosed in this dispute

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violatated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items of information, other than recorrds of convictions of crimes which anteddates 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX hospital added charges for services not rendered, was paid by my insurance and now put Me in collections for an amount I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-25
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting over XXXX closed and paid accounts as open will keeps my fico score from increasing from in reaching its full capacity and score for financial stability. The accounts are continuously being reported as derogatory. The creditors have stated that the closed paid accounts are authorized to be deleted. The practice of reselling and reporting my closed and paid accounts must be stopped. This practice hinders me from getting a positive credit score and as a woman XXXX XXXXXXXX these practice do not help me get future credit and gives a creditor a negative outlook for any credit that I may apply for in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notification on my credit report that there was a collection account from LVNV funding LLC. I did not recognize the account so I contacted the original creditor that was listed as XXXX XXXX  and I contacted LVNV Funding via Certified letter return receipt requesting that the debt the company was trying to collect funds on be validated. I specifically requested a copy of the contract which LVNV funding refused to provide to me. XXXX XXXX  stated they did not have a contract and ceased all collection attempts. Out of retaliation LVNV finding took the debt and re-aged the date that was listed, which is illegal. On the original count that they were trying to collect on LVNV stated that the original collection account was opened in XX/XX/XXXX, however out of anger they re-aged the date to show that the account was open XX/XX/XXXX. Originally this account was listed as a charge off LVNV decided to open the account and listed as an open account with their company as if I have credit or an account with them directly. LVNV finding has refused to provide me with a contract showing that guy had services with either their company or XXXX XXXX. They have refused to show me any documents showing that they are within their legal rights to collect on this debt. The only document that they sent me was a bill from XXXX XXXX that was dated XX/XX/XXXX. The bill that they sent is requesting payment on that specific date yet on another document that LVNV sent to me is stating that their company acquired the date on XX/XX/XXXX. The document also states that the debt was charged off on XX/XX/XXXX which is in entire month prior to the new re-aged date that LV in funding has stated that the account was opened. LVNV funding is using lies and deceit to try to force me to pay this debt that they are trying to extort money from me. As of todays date LV in funding has not provided any documentation proving that I owe this debt. They have not proved where this debt originated from. They have proved that they will use any illegal deceitful tactic to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX keeps putting a XXXX account on my credit report, XXXX, that is not mine. 
XXXX takes it off and it re-reports. 

This XXXX account has been sold and re-reported three times in the past 14 months. 

My social and name is not associated with this account and the address they use to report it is not mine either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need a new identity I've been getting fraudulent activity happening on my end for years it's like this is some sick joke just recently there was an activity any amount of a little bit over a XXXX dollars and I can't pay my bills I can't keep up I can't battle this constant fraud in my name I'm at the point where I just want to XXXX  myself cuz I can't do this anymore please somebody help me and this is going to stop why and why do I have to keep paying for it Chase Bank knows about this and they don't care I got a new account and still so what they do is just go back to the old account and say oh this happened and charge me for it when somebody's obviously stealing in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD XXXX XXXX  ( IDENTITY THEFT & FRAUD ) TRANSUNION XXXX FCRA Letter Date : XX/XX/XXXXXXXX  Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THIS ( FRAUD ACCOUNT ), XXXX XXXX  XXXX. This account was already deleted multiple times, and my rights have been violated multiple times. Not only is the account Fraud, I never recieved the five day letter required by the FCRA to give me notice of the reinsertion of this fraud account that I've repeatly deleted and won by law. I am recent victim of identity theft. Please remove this fraudulent item for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXXXXXX XXXX XXXXXXXX, and it need 's to be deleted/removed from my credit report. I'm demanding that this fraudulent account be removed the final time permantly never to return or I will be forced to sue in the court of law. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .It definetely does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX  ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXXXXXX  Thank you for your time and help in this matter. Sincerely, 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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 2020-01-03
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Cooling and Winter, LLC '' hereinafter referred to as " the XXXX XXXX XXXX '' is a debt collector. On behalf of the XXXX XXXX XXXX, debt collector XXXX XXXX. XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of XXXX XXXX XXXX  ( XXXX ) XXXX. hereinafter referred to as " the Bank '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the Bank, I was served a summons by the XXXX County Sheriff 's Department who collects debts as a third party on behalf of XXXX County Superior and State Courts hereinafter referred to as " the Debt Collection Courts ''. On behalf of the Debt Collection Courts and the Bank, the service of summons by the XXXX County Sheriff 's Department was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the Debt Collection Courts, The XXXX County Sheriff 's Department violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX  XXXX XXXX  ( XXXX ) XXXX. ( the Bank ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

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: Chime Financial Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
My check was issued by my employer to be sent out to me. our Pay Date of XX/XX/2022. I can see my check on ADP. Which was then confirm by my place of work, that it was issued to me. I have yet to receive my check. Check in amount of XXXX for XXXX hours of work during the time period. I have called and still have not received my money. Chimes claim that they do not no where my check is which I think is a absolute lie. A representative was able to confirm that their was a check, in my name, from my place of work in the amount of XXXX. They continue to give false narrative. They are not the bank, chimes can not act as an agent for the bank, continue to classify as a bank of financial institutions via recorded phone calls. Where my money, where my pay, who gives you the right to hold my check if you are not an actual bank, and consumer had to verify identity prior to creating an account. Its been 5 days since my pay. Chime is laundering money, involved a huge money scam. This company needs to be AUDIT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My Advance Plus Checking account with Bank of America was penalized for charges that were made to my account at a time where there was a low balance. It was due to subscription fees that did not total over {$10.00}, which then caused me to incur 6 individual NSF fees of {$35.00} on top of the overdrafted amounts in my account from XXXX. I immediately contacted Bank of America to explain to them that I had no knowledge of why I was being charged those fees at that time since I expected them at a later date. Bank of America refused to extend any leniency to my situation and now I am out over {$200.00} due to just NSF fees alone. This is theft and should not be allowed as a standard practice for corporate financial institutions to prey on the poor.

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