BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
In response to the recent XXXX security breach of 143 million customer records, I tried to take some precautionary steps by filing a 90 fraud alert with Transunion. Unfortunately, this process did not go smoothly. 

-First, a minor note : I usually try to use passwords that are 20-30 characters long to ensure maximum password entropy. They wo n't allow that, but also wo n't tell you " what '' the maximum is. I eventually got down to 10 before it went through. This is laughable security for a company that is supposed to be handling sensitive financial data. 

-Second : After answering a bunch of verification questions, it somehow was n't able to verify who I am, and told me to call. 

I called Transunion, navigated their daunting phone tree, and finally got to the point where I could setup a fraud alert that way. Unfortunately, what came next is where my complaint begins. In order to take reasonable security measures for something that is essentially THEIR fault, due to their shoddy data security practices ( see my first note as an example ), They force you to listen to a sales pitch. It 's a sales pitch for their overpriced monitoring services, which I have no need for. Furthermore, when you decline, it keeps going! It goes " are you sure? '' -- and then proceeds to give you another 2 minute long sales pitch that 's even more long winded and aggressive. I almost hung up on them, but then I 'd have to start all over later on. 

This is, quite frankly, appalling. Let me summarize. 

1. Credit reporting agencies drop the ball on data security.
2. Try to take precautions to protect your data and financial security 3. Forced to listen to not one, but two sales pitches before you can actually continue, for overpriced services that you can get from any card company that you do business with, for free.
This preys on the financially uninformed and those who are panicking due to a huge data breach. I imagine a lot of individuals would blindly sign up for this and then get billed monthly for something they do n't really need. Finally, it 's just inappropriate given the circumstances. It completely sets the wrong tone. 

Finally, I called Transunion back a few minutes later and spoke with a supervisor to issue a complaint and verify the alert was actually in place. He did verify it, but then tried to start a similar sales pitch near the end of the call! Absolutely ridiculous.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my XXXX, XXXX, and TransUnion Credit Reports . Also, I have been a victim of the XXXX data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

. 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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have XXXX accounts that I have no knowledge of and have Identity theft reports filed on. They have been removed from my other credit reports from the two other bureaus. Transunion refuses to send me documentation to see how this information was verified, and also continue to allow this fraudulent information to be posted on my credit report. Resulting in my credit being impacted negatively. 

The accounts are XXXX XXXX for {$1000.00} XXXX XXXX {$530.00} I want these accounts removed from my report immediately before I pursue legal action. 

Also the XXXX XXXX XXXX account is also fraudulent and I want it removed as well. If you ask any of these debtors they wont be able to produce any paperwork where I agreed or had any knowledge of these accounts I want them all removed immediately The information from Transunion doesnt match the other information from my other credit reports which according to FCRA is illegal to have inaccurate information reported to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: AL
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 Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX has violated my rights 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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # 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 an 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 2021-01-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed and deposited a total of {$7400.00} into another person 's Chase account into two transactions. 

{$2400.00} on XX/XX/2021 {$5000.00} on XX/XX/2021. 

A few days later I found out this account is fraudulent and contacted Chase bank. The person I spoke to advised me that there is nothing they can do with out police report. The same day filed a police report and contacted the bank again today XX/XX/2021 and despite all the documents and communications I have from the scammer, they told me there is nothing they can do to retrieve the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: CAVALRY INVESTMENTS, LLC
State: MI
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 sent out the 1st complaint electronically to XXXX/XXXX XXXX on XX/XX/XXXX asking to verify the " alleged '' account # XXXX in the amount of {$830.00}. I was never contacted, however my credit report had a mark from them which was not dated since the last activity showing was in XX/XX/XXXX saying " charged off as bad debt, purchased by another lender ''. I then realized there is a collection account showing as Cavalry Portfolio, on my credit reports for the same amount and account number, so this " alleged '' account that XXXX/XXXX XXXX   is reporting as derogatory on my credit report and number of 3 times. I then send a certified letter on XX/XX/XXXX and it was delivered and signed for on XX/XX/XXXX, asking both XXXX/XXXX XXXX  & Cavalry Portfolio to verify evidence of signature showing the " alleged '' account was reported accurately. I also asked them to provide me with all names, addresses, and phone numbers of each person 's verifying the " alleged '' account. I then receive a letter dated XX/XX/XXXX from both parties simply stating that the account is verified and they have both reported accurate information to all three bureaus?!! HOWEVER, they never sent me evidence of my signature which by FCRA they have too, and the never sent me the person 's verifying this " alleged '' account! They did not even say they marked my reports as disputed! I want these " alleged '' accounts/charge-off 's deleted from both of their files, and all three credit bureaus immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX, a notice rescinding the agreement for non-disclosure, UCC and 15 USC consumer law violations from PRESTIGE FINANCIAL SERVICES was received by them but has not been responded to and the 20 days expired placing them in violation of 1026 ( c ) ( d ) ( 2 ). They refuse to resolve this issue by remedy stated therein of the rescinded instrument yet harassing me via text messages about making a payment without resolution to the rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 my debit card embarrassingly declined a transaction at a restaurant. I called Bank of America to figure out why my card, which was indeed sufficiently funded, had declined. They informed me that the card had been frozen due to unusual transactions. When I asked for details, I was again informed that {$3000.00} dollars was fraudulently withdrawn from ATMs. These transactions place on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. {$1000.00} dollars each day was stolen, which is an automatic limit set up by BOA and EDD. The card was in my possession the entire time. I have documented video footage of me at a XXXX of XXXX celebration during the time of the transaction, it would be impossible for me to have done it. 
The company said that I would receive an expedited form in the mail to help with their investigation. Ive checked the mail each day and have not received it. They confirmed my email and phone number as well, but I have no notifications on those platforms either. 
I am reaching out because I feel that the company isnt taking this fraudulent transaction serious, I was even told that it may take up to 90 days before I can be helped. That {$3000.00} was all of the money that I had, and I am devastated because I dont know how this happened, why the bank wont help, and what I will do for the next 90 days ; which hasnt started since they havent sent me their fraud form.

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 2022-09-03
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Equifax breached all of my personal info to cyber attackers : XXXX XXXX XXXX Apparently they knew of this breach for 2 months and did nothing about it, now all of my personal information is in these cyber attackers hands to sell ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Aldous & Associates P.L.L.C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX To : The XXXX XXXX XXXX XXXX for Aldous & Associates P.L.L.C From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My father XXXX XXXX is with me and he is XXXX XXXX XXXX his credit report is showing the wrong date of birth and he would like it fixed. There might be some fraudulent activity. It is affecting his scores and and he is trying to get a loan. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Credit-reporting agency Equifax was hacked and my personal information, including my social security number, date of birth and drivers license number may be at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: MD
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:
To CFPB, I requested Equifax, XXXX, and XXXX to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
In XX/XX/2022 my account is reported to credit bureaus XXXX, XXXX  and transunion it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XX/XX/XXXX 90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.

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 2022-09-03
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: Investigation took more than 30 days

Complaint:
I filed a dispute XX/XX/22 in regards to the incorrect items on my credit report. I sent a followup letter, it has been over 30 days and i have not received any investigation results.

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 2017-09-08
Company: EQUIFAX, INC.
State: CO
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:
As far as I know, nothing happened. The same company is still asking for my personal information ( seriously? ) after its already been stolen from them. I need a resolution from all of this, not a stupid enrollment date. Tell me what you will do to correct the situation instead of apologizing.

Company response to consumer: Closed with explanation