BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2022-02-01
Company: Todd, Bremer & Lawson, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Between the dates of XX/XX/31 and XXXX the company repetitively called me. They started calling before the hours of XXXX as well. I had more than XXXX calls a day on XX/XX/31. As well as XXXX calls within XXXX minutes on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Chase Bank on XX/XX/18 regarding the unknown charge. Chase Claims Specialist, XXXX, stated she can not remove the unknown charge for the merchant, XXXX XXXX already credited to my Chase account. I informed XXXX, Chase Claims Specialist that the unknown charge should not be on my Chase checking account, for it is not my charge. XXXX, Chase Claims Specialist ignored my request and stated that the unknown charge has to remain on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: MN
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:
Equifax I got a update on payment status change on a sync bank account that account was in violation of the Fcra for reporting late payments on a charge off I got an alert just now that it was changed did you guy 's do a complete investigation on this account or did your office change it? just curious

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have filed multiple reports with Transunion requesting that they remove the account XXXX XXXX XXXX that is on my account. I have no knowledge of this account and under the law 15 USC 1681b I would have to give my consent for this to be reported to my consumer report. I have attempted several times to resolve this and transunion has not cooperated or complied with my request. I am submitting this report to the Consumer Finance Protection Bureau with legal action to follow.

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 2021-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, around XXXX XXXX, I noticed emails that informed me I had sent a wire transfer of {$4500.00} to an unknown recipient and a XXXX transfer for {$990.00} to another unknown recipient. I rushed down to my bank to have them reverse the transfers, as I never authorized them, I'm guessing my computer was hacked and somehow the hackers got into my online banking. Instead of immediately freezing my account and calling the banks where the transfers went to, the banker told me it didn't work that way and proceeded to call the Wells Fargo fraud team who assured me they would look into the fraud. They were fairly indifferent about how serious this was to me and took 8 days to complete their investigation, and finally sent me letters indicating that the wire transfers were not fraud, that I myself or someone I authorized, made the transfers and there was no way I was getting my money back. Talk about a slap in the face, all this from a bank that has been accused of fraud itself the past few years for opening fraudulent accounts under their customers names! Please see the attachments I have uploaded to you for all the details. Thanks

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 2023-06-05
Company: EQUIFAX, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: PR
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:
Delete these accounts ASAP. 

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 Credit card opened XXXX XXXX XXXX  Account charged off. {$9200.00} written off. {$9200.00} past due as of XXXX XXXX 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened XXXX XXXX XXXX  Account charged off. {$5000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XXXX XXXX. 

Account name : XXXX, Account number : XXXX Date opened : XX/XX/XXXX Status Closed. {$2200.00} written off. 

Account name : XXXX XXXX XXXX, Account number : XXXX Original creditor : XXXX XXXX Company sold- Account type : Debt Buyer Date opened : XXXX XXXX XXXX Status : Collection account. {$1700.00} past due as of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-24
Company: Experian Information Solutions Inc.
State: TN
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 i need this resolved asap

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 2018-08-29
Company: CASHCALL, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XXXX but to my surprise this company have not removed the fraudulent account and keeps on reporting on my credit report within the 4 days as required by law : Again this account is fraudulently reporting on my report, please delete asap : 1.Cashcall Inc. XXXX XXXX XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

Attached herewith : 1. My dispute i sent to this company on XXXX 2. My police report 3. my FTC report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I received a call from Discover that they suspected fraud on our credit card account. They said a purchase was made at XXXX in XXXX OH and then the card was used two more times and rejected. I confirmed that I was at home and my husband was at work and neither of us made any purchases at XXXX that day. Discover closed our accounts, issues new cards, and removed the charges of {$61.00} from our account. 
I thought it was all handled and done. We then received a letter in XXXX stating that the charges were being put back on our account because it was not fraud.I called and talked to their customer service fraud department for an explanation. They said we couldn't prove the charge wasn't us and since it is a store we shop at, we are now responsible for the charges. The fraud department said they would review again but i have heard nothing since and it has been 30 days. The charges are still on my account saying I'm responsible to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove these inquires from my credit report as they do not belong to me. I've included an identity theft report as well. 

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 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : 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 2023-05-31
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2019-11-11
Company: SYNCHRONY FINANCIAL
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:
Synchrony Bank recently acquired PAYPAL and have started reporting all accounts to the credit bureau. I had NO idea this was going to take place, and their reporting drop my credit score 61 points. I went from XXXX to XXXX, from Excellent Credit, that I work tirelessly to maintain to the status of Good credit. It was literally reported two weeks ago and reflects on my credit ( positively ) since XX/XX/2019, and it was like it was retroactive. 

I called PayPay, who directed me to PayPal Credit, who led me to PayPal again, then to Synchrony Bank. At that point, I was told that a letter was mailed to me in XXXX, which I never received. I requested a copy of the " letter '' sent and have yet to receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Select Resource Group
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a voice mail at XXXX on XXXX/XXXX/XXXX. asking I call back XXXX This was the third or fourth phone call I received in the last 6 months. I explained the last two times that this is my number and that the person that they are trying to contact is my ex husband, divorced over 5 years. The message stated that there is a petition filed against me and that it would be in my best interest to have myself or my attorney call them. The petition will cause assets to be frozen including tax returns, bank accounts and employment. 
I called back at XXXX pm and I was very frustrated. The arrogant woman whom answered cut me off as she must have caller ID and said this is for my ex husband ( she stated the name before I even continued ). I said I have been divorced for 5 years and I explained this already - she snaps back stating " I did not ask you all that '' and proceeded to tell me that " no wonder why you are divorced ''. Then she hung up on me. I have worked in the XXXX XXXX XXXX XXXX for 20+ years. The message left was threatening, they did not leave their name and they did not even state whom they were calling for, naturally I called back as I was nervous as I had no idea what occurred, should have known better. These folks are bullies, are far from professionals and expect a human not to call back irate after leaving such messages. They need serious help and should not exist as any sort of scheming collection service.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

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 2019-06-13
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company continues to call and hang up on my phone while I am at work. I did not give them permission to call my cell phone. They are violating UDAP, Texas Debt Collection Act, FDCPA and TCPA. They call from different numbers. One day I believe they even called me before XXXX. They dont leave messages. I feel threatened as this woman just told me with all these harassing phone calls. It appears this company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law and the other previously listed regulations. 

I request validation of this alleged debt as the amount listed is not correct. I have been paying XXXX for my car insurance for over 2 years. I recently made a payment to XXXX and this letter seems to state the alleged debt is more than it allegedly is. 

I am filing a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX  and XXXX XXXX and XXXX this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. 

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). 

Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2017 a debt for medical services I did not get or owe, because I am a retired XXXX XXXX veteran with full medical benefits. And only go to the VA hospital. I got a collection notice by my credit agency after being turned down for a credit card application. I did not know a collections agency can State they are entitled to collect a debt on.behalf of the federal govt. Withhout Verfication of one 's financial.status. Currently I had and do have a fraud alert on my credit and this information still got through. They.wanted me to pay the debt off from the collection agency first before they could remove any negative items. I refuse to pay anything because I do n't any ' medical bills period.

Company response to consumer: Closed with explanation