BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 XXXX XXXX Code XXXX 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 2023-11-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have sent TransUnion multiple disputes and an FTC ID Theft Affidavit. I chatted with a representative on XX/XX/23. He stated that they rejected my FTC ID Theft Affidavit on standards that do not meet FCRA 605B. TransUnion is in violation of FCRA by having not blocked the fraud within 4 days of receipt. 

I have sent the same disputes to XXXX and they also have violated FCRA 605b by not responding with the 4-day requirement as indicated the law. XXXX also refuses to remove a duplicate erroneous account despite multiple disputes.

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 2022-10-28
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent this company a debt validation letter and nothing was sent back in the time frame validating this debt. They received it on XX/XX/2022 per usps tracking. I also called Trident Asset to confirm they got the letter on XX/XX/2022 and this still remains on my credit report. I would like for them to remove this item because they did not abide by the laws of the Fair Debt Collection Practices Act, 15 USC 1692g.I also have proof that nothing was sent thanks to USPS Informed delivery. The letter was mailed off on XX/XX/2022. I would love for this to be resolved by removing from my credit report. They are pass the time allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America mailed to me a promotion of zero percent interest on balance transfers and purchases until XX/XX/2021. Along with the offer two checks were sent in which I filled out. 1 ) for {$970.00} to XXXX XXXX XXXX and another to XXXX XXXX for {$7900.00}. I looked at my account online today and discovered I am being charged 1.99 % interest on my purchase of {$7900.00} to XXXX XXXX until XX/XX/2021 and 0 % interest on my charge of {$770.00} to XXXX XXXX. I called to inquire and was told that the two checks had different promotional offers and that it was my fault for not filling the checks out correctly. I was told that this could not be resolved that I would just have to live with it. I was charged a total of {$260.00} for a 3 % transaction fee, which I knew I would get, and a {$8.00} interest fee that I did not agree to. I am so concerned that they may fraud me further that I closed my accounts and will be paying them off within the next few weeks, even if I have to sell a kidney. So far this has been a {$270.00} lesson.

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 2023-02-25
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:
n 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 Account # XXXX has violated my rights. 

XXXX Account # 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 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 2021-12-09
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In 2017 I was going through some XXXX XXXX XXXX and was unable to work for a period of time. During this time I fell behind in my payments to Barclays Bank Delaware Credit Card. 

Barclays proceeded to close my account and charge off my credit. 

I have contacted Barclays several times about this matter to try and resolve the issue, make payment arrangements, etc ... and have never received a response, yet they continue to report this matter on my credit report as an unpaid closed account. 

I would like for assistance getting this item taken care of in an expeditious manner. ]

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 2021-03-02
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I am reaching out once again regarding my debt. This is in response to the non-response I received regarding CFPB case : XXXX. Please send me in writing the amounts I owe for the TWO amounts showing on my credit reports. Responding " we sent this already '' is unacceptable customer service as I would not be reaching out to you if I had received the information before. You can attach it to the CFPB response as a PDF, please. 

I need you to show 1. ) The amounts owed of {$1700.00} AND {$250.00} 2. ) The dates that these amounts were accrued 3. ) The procedures completed for these two debts 4. ) The discount provided for being uninsured. 

I have another collector attempting to collect on a medical debt and require this paperwork to compare the information. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: IL
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 am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated 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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am relocating to another state, applied for a rental house and I was denied. 
My credit score use to be over 800, and now it is in the low 700s, drop of a XXXX points. 
Would like to know the reason for that. 
I am retired. Please help me with this issue! 
Thank you, 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 2023-02-25
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:
1. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 2. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 3. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount 4. XXXX XXXX Account # XXXX {$330.00} Wrong Amount 5. XXXX Bank XXXX Account # XXXX {$450.00} Wrong amount 6. XXXX XXXX XXXX Account # XXXX {$800.00} Not Mine 7. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed 8. XXXX XXXXXXXX XXXX Account # XXXX Paid and was suppose to be removed 9. XXXX XXXX Account # XXXX 10. XXXXXXXX XXXX Account XXXX XXXX {$430.00} Wrong amount 11. XXXX Account XXXX XXXX {$430.00} Wrong amount 12. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is nonpublic information on my TransUnion consumer report that is a result of identity theft. I never gave written permission for this nonpublic information to be reported on my consumer report. TransUnion never even disclosed to me that they received a request to have this reported on my TransUnion report. Below I list the the nonpublic information that has resulted in identity theft, 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXXXXXX 3.XXXX XXXX XXXXXXXX XXXX 4.XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
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 over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 explanation
Consumer complaint received 2021-12-09
Company: U.S. BANCORP
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2021 someone hacked into my us bank mobile app and sent XXXX $ to their XXXX  account from my savings, I immediately called us bank fraud dept and reported it after several weeks of having my accounts frozen and mistakes made by us bank on the process of changing my username and all accounts when first i was told to just change my password and now that I have it straight they tell me that they will not help me get the XXXX back from XXXX because they believe i was the one who did 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 monetary relief
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 appreciate your time to removed some of the information in my file that resulted from alleged identity theft but I have an Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$4900.00XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$540.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
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:
There were multiple charges at XXXX, XXXX  XXXX, and XXXX that were not conducted by me when i called the credit card company about issues after they alerted me to a fraudulent charge on my account.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/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 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
So recently I had checked my credit report to see that there has been 64 hard inquiries added to my report I have contacted XXXX and Transunion even added security freezes to my reports, well RIGHT after i added it YET another inquiry was added to my report from direct tv, I have reached out to both companies several times, XXXX deleted all but one on my account and then re-added them. I called each company and all said the same thing, someoene went online to purchase or try to purchase a vehicle and then my information was sold to other dealerships so theres a total of inquiries, the companies couldnt even give me a copy of MY ID, as they said anyone can get online and use someone else 's information, Ive done all i can do, XXXX adv if i faxed them my id they would remove my inquiries, I faxed that over about a month ago nothing changed. Transunion supervisor i spoke with stated he would have them removed, NOTHING HAS CHANGED.

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