BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with TransUnion has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with TransUnion, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX   XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After months and several attempts of trying to get the credit bureau to verify the information being reported on my credit profile, they have not cooperated. I've reached out to them several times to try and resolve this matter but they continue to blatantly break the laws set in place to protect the consumer. They refuse to supply me with a report detailing their methods and procedures used during their investigation. They have not produced any evidence that the information is accurate what so ever, yet they continue to violate my rights and report inaccurate information that negatively affects me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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 report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-06
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX Inquiry XXXX XXXX. I've called and informed them that i did not applied for a car with them and that the inquiry most be remove.They check an said they have no record of me in their system. I've since contact transunion an let them know but the Inquiry is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Due to overdraft, my primary account was closed. I am filing a complaint because prior to closing my account, I spoke with customer service regarding the timing of when my account would be closed due to the duration of the negative balance. I was told that as long as I was making active deposits to reduce and resolve the negative balance, my account would remain open. Bank of America closed my account. Now, Bank America is debiting my secondary active account when direct deposits are made to resolve the balance. I did not authorize this, I was not informed this would take place with the account that remains open. I have had several forms of deposits into my account, Bank of America only debits from my employers direct deposit. I have asked several times upon account closure to escalate as the information given to me was not accurate and Bank of America continues to debit my direct deposit in which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Validate Account In Dispute In Dispute Credit bureau ( s ) * XXXX XXXX TransUnion XXXX Instruction Please supply information on how you have verified this item. 
Creditor/Furnisher Choose Mode Same for all bureaus Different for each bureau Type Account Account Name XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number XXXX XXXX Account Type Collection Collection Account Status Derogatory Derogatory Monthly Payment - - - Date Opened XX/XX/2022 XX/XX/2022 Balance {$260.00} {$260.00} Terms - - High Balance {$260.00} {$260.00} Limit - - Past Due - - Payment Status Collection/Chargeoff Collection/Chargeoff Comments- Placed for collection Start Date Last Activity Note

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 2022-12-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I asked the credit bureau to verify information. They sent me back a copy of what they had on my XXXX account. 

The high credit ; credit limit ; last date reported ; last date active ; and date of last payment are all different on each of XXXX and Equifax credit reports. 

I have a copy of what I received as validation and proof dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: JPMORGAN CHASE & CO.
State: NY
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:
I made a purchase with my credit card on XX/XX/XXXX. I was billed on XX/XX/XXXX. The items were not shipped so I canceled the order on XX/XX/XXXX. After complaints to XXXX, FTC the company shipped on XX/XX/XXXX after a complaint to the FBI Internet Crime. My bank is charging me for this unordered merchandise. This is a Visa credit card issued by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: NCB Management Services 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: Account status incorrect

Complaint:
In XXXX, XXXX credit cards and XXXX other loans ( I don't know if they were pay day loans or what kind of loans because I didn't open them ) were obtained in my name by fraud. 
I don't know who opened them. After much work, the XXXX credit cards and another loan removed their reporting because their investigation showed it was fraud and not my accounts. 

NCB, although the person I talked to said he thought it was fraud, they would not remove. 

I finally just negotiated a pay off with them to get it off of my credit report. I paid them for someone else 's fraud. 

I have a letter from them that they would completely removed the account from my credit report if I paid the negotiated amount. They haven't removed it. After some time they changed the reporting to show that I owed the amount left after I paid the negotiated amount. 
Now they show it has a XXXX balance but have not removed it from my credit reports as agreed in writing. I've attached the letter. 

No other creditors have been as shady and dishonest as NCB, They really are bad and should be investigated without regard to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: JPMORGAN CHASE & CO.
State: WI
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:
I filed an initial dispute for the XXXX  XXXX XXXX and XXXX charge on my Chase Account ending in XXXX on XX/XX/2022 because the hotel was significantly not as described. The dispute was rejected and I was asked to resubmit additional evidence and documentation to reopen the dispute, which I dutifully did on XX/XX/2022. I attached the correspondence I engaged in with the hotel and with XXXX XXXX and I provided photographic evidence along with comparing how what was promised on the hotel website was different from what was offered to me at the hotel. 

The dispute was denied again and I was told I could initiate a partial dispute, which I did pursuant to consideration of my time and the value I placed on the amenities that were missing from the hotel. This third appeal was submitted on XX/XX/2022 and I received a reply on XX/XX/2022, saying the dispute was denied again. 

This is a violation of the Fair Credit Billing Act, which gives me the right to raise billing disputes regarding goods or services that were " significantly not as described. '' The denial of my dispute constitutes a violation of this act. I have attached the documentation I sent to Chase for further review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I wrote a check out to my hair dresser. She cashed it electronically on XXXX or XXXX with her bank, Wells Fargo. She then accidently cashed it again around XXXX or XXXX with Wells Fargo. As a result, my credit union deducted the amount of the check twice from my checking account on XXXX and XXXX. I was double charged. Wells Fargo contacted my hair dresser just before XXXX ( approx. XXXX ) to let her know that the check was double deposited and that the duplicate funds would be deducted from her account. To date, although Wells Fargo removed the funds from her account, they have never return the funds to my account. I have contacted my Credit Union which will research the issue, however, if Wells Fargo knew that it was a double transaction and removed the funds, Wells Fargo should have credited the funds back to my account. Instead, Wells Fargo has kept the funds which do not belong to them. In an effort to contact Wells Fargo abou the issue, all their numbers require you to have an account with them. I do n't have an account with them, but I am impacted by the error in their processes. I finally found a number to reach their executive office after 30+ minutes of searching. I filed a case with the executive office, but was told there is nothing they can do to research or resolve this issue. My credit union must research and submit a request to Wells Fargo to get the funds returned. I contacted my credit union which is working on resolving the issue. However, should n't Wells Fargo look into their systems to see why this error happened and why they are not returning funds. I wonder how many people have been double charged and how many millions of dollars Wells Fargo keeping that does not belong to them and should be returned to the rightful account owners.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # XXXX, has violated my rights.

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

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I have recently been monitoring my credit report and This company has listed two collection accounts on my credit report within the last week. I have tried to contact this company several times with no luck due to rude and unprofessional service. I do not have an account with this company nor do I owe them for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Northern Trust Company, The
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had this problem several times but most recently XXXX. Northern Trust out of XXXX, IL processes check payments for a number of banks. I work in a shared office space with a single address but multiple companies. When Northern Trust processes checks they include all checks paid the same day to the same address in the same envelope regardless of which company it goes to. In previous cases, I would have a client send payment but the check would end up in the envelope of another company that received a separate check payment from an unrelated payee that day. I would never get the check. In this case, I received a check from a client and behind that check in the same envelope was a check from a different party to a different company in my shared office space. I would expect that this is not allowable for a number of reasons but especially because banking information from the checks is getting into the hands of a different party than who they were intended for. Northern Trust told me that that is just the way they do it. They said I could contact the bank that initiated the payment to change a setting but that was not 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 2021-11-02
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted ENHACED RECOVERY CO. on several occasions in an attempt to get them to VALIDATE the debt claimed. I have yet to receive any response or update of a deletion to my consumer report. ENHANCED RECOVERY CO. is therefor in violation of many laws under Fair Debt Collection Practice Act. 15 USC 1692g " failure to properly validate debt '', 15 USC 1692f " Unfair Practices '', 15 USC 1681b ( a ) ( 2 ), ENHANCED RECOVERY CO. did not have permissible purpose nor written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Barclays has stolen money from me.After I made my last payment of 400 they let transactions go through totaling XXXX and are making me pay for it. This is unacceptable behavior. This is a way your company can keep a balance on a card so I have to keep paying

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 monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions 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:
I am writing this complaint to inform the CFPB, XXXX and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so.

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 2022-12-14
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted certifying employment for XXXX on XX/XX/22. I had several employers and submitted several different forms. On XX/XX/22 Mohela marked one of my forms as a " duplicate. '' I called and spoke with someone who confirmed that it was NOT a duplicate and had never been processed to begin with. She then stated that it would take 90 days to process the form. It had already been 67 days and now my 90 days restarted because of THEIR ERROR. I've met the 120 payment threshold and now have to continue to wait because they are not properly processing forms. The representative stated that there was no way to expedite it. It appears that they are trying to deny the relief that people are entitled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Incorrect balance of XXXX  XXXX credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX father XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.

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 2020-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I responded to an Amex Offer to make a purchase at XXXX of a minimum of {$340.00} and get {$70.00} back. I made a single transaction at XXXX on XX/XX/2020 for {$370.00}. I never received the credit and I inquired and the customer service agents told me that the transaction had been split in two, and {$49.00} of the transaction now did not qualify so I couldn't get the offer. I feel this is deceptive, and I was induced to spend the money by the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, in the flesh XXXX XXXX XXXX, and I am writing the demand to delete the following negative info from said company MEDICAL DATA SYSTEMS INC. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity, and have enclosed copies. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M, and ALL applicable UCC Articles.

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