BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2015 / XXXX / put this on credit as a collection. No contact with Real Time Solutions. I disputed this 30 day 's ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
A credit Loan inquiry was made without my consent. Someone submitted a credit application for a car loan to a company called XXXX XXXX XXXX XXXX. This inquiry was not authorize by me. 

Fraudulent Inquiry made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY identity was used fraudulently on XX/XX/2019 to open this fraudulent account with BANK OF AMERICA account # XXXX balance {$3600.00} this account 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 explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XX/XX/XXXX I noticed an " ACCOUNT VERIFIED AS ACCURATE '' with an ( NON UPDATED ) DATE OF XX/XX/XXXX on a TRANSUNION CREDIT REPORT ISSUE DATE OF XX/XX/XXXX. 
* Inquired/sent letter with RETURN RECEIPT DATED XX/XX/XXXX *REceived RETURN RECEIPT back from TRANSUNION DATED XX/XX/XXXX * RECEIVED TRANSUNION response as ( VERIFIED AS ACCURATE ) ** ACTION WAS TAKEN BY TRANSUNION ** to  update error to updated date of XX/XX/XXXX from current report of XX/XX/XXXX TRANSUNION REPORT ) AND I HAVE READ THAT THIS ERROR OF NON UPDATED ( DATE ) IS A VIOLATION and INACCURACIES SHOULDBE INVESTIGATED AND NOT SIMPLY UPDATED BY XXXX XXXX STANDARDS.

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 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a credit inquires from bank of America on my XXXX credit report and I didn't not fill out a application with them and I called bank of America and told them to close down that application and they did but the credit inquires that was done on XX/XX/2019 is still remains on there and bank of America kept transfer me to dept to dept and haven't done anything to resolve my issue I believe there was a application for cash reward credit card and I never submit it and I'm asking bank of America to remove this inquires that was done on XX/XX/2019....

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 2017-09-23
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing two bankruptcies on my credit report for several months. 
I have requested that the XXXX delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for XXXX to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to XXXX asking for proof that they have validated the information showing on my report. XXXX  sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against XXXX for the providing incorrect/false information to companies that request 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 2023-03-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I enrolled in the bonus program through Ally Bank. The program was if we deposit fresh {$50000.00} we get {$500.00} bonus or 1 %. I received an email that I was enrolled and that by XX/XX/XXXX I will receive the {$500.00} bonus. These are the dates and times I spoke by phone to agents at Ally Bank. One agent on XX/XX/XXXX, at XXXX and XX/XX/XXXX at XXXX confirmed that I was enrolled and qualified for the {$500.00} bonus and that I will receive it on XX/XX/XXXX. I never received the {$500.00} on XX/XX/XXXX, and as of today I never received it. I called again on XX/XX/XXXX at XXXX and spoke for almost an hour to an agent by the name of XXXX XXXX and she said that she is opening a case regarding it, and it will take 7 to 10 business days to receive the {$500.00}. Again, I never received the {$500.00}. I called again on XX/XX/XXXX, at XXXX, and again the following times : XX/XX/XXXX at XXXX, and on XX/XX/XXXX I called twice at XXXX, and again at XXXX. All those times the agents told me that they could see that there is a case open and that it has been escalated. The case number is : XXXX. In addition, I emailed them regarding the {$500.00} bonus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response that I received was that I have a case # XXXX, and that it needs further review. As of today, I have not filed yet a complaint with the State of New York. I am aware that this is same issue as not getting the interest I was promised. I am asking you to help me resolve it. I greatly appreciate 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 2023-07-11
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$31000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Balance : {$5300.00}, XXXX XXXX XXXXXXXX Balance : {$6000.00}, XXXX XXXXXXXX Balance : {$31000.00}

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 2019-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt consolidation company XXXX XXXX XXXX settled an account for me, completed in XX/XX/XXXX. In XX/XX/XXXX I found a new derogatory account on XXXX  listed on my credit report. The account is listed as being acquired XX/XX/XXXX. There are no identifying names to identify who the original account was with, but that this was a debt collection agency called Portfolio Recovery Associates XXXX, XXXX ; ( XXXX ) XXXX. Because I had no idea who they were reporting that I owed {$1400.00} to I was forced to call them. Portfolio recovery Associates said they were collecting on my XXXX account ( settled and resolved in full in XX/XX/XXXX ) and told me that my debt consolidation company XXXX XXXX XXXX was trying to contact them to settle the {$1400.00} and that they weren't going to settle. I informed them they were incorrect, they proceeded with nasty rude unprofessional comments so I ended the call. XXXX XXXX XXXX confirmed that the statement was false, XXXX was NOT contacting anyone about any accounts from Portfolio recovery Associates and that the XXXX account was indeed settled and resolved. 
Portfolio recovery Associates have not responded to my emails disputing the {$1400.00} amount wherein I provided, both screenshot and pdf format, the settlement statement from XXXX to XXXX settling the account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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, 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$420.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
It was verified to me that the accounts XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX The credit bureaus never did a proper " investigation '' According to the FCRA. 
The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item information They did not do this Also they have violated my rights even more. In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my report. 
They also violated the law because according to 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 consumer 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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed this account multiple times and it continues to appear 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 2021-07-14
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: Account status incorrect

Complaint:
Transunion is reporting my mortgage as missing 2 payments from XX/XX/XXXX and XX/XX/XXXX when my mortgage was in an active forbareance and protected as part of the CARES act that provided relief during the COVID-19 pandemic. At the same time I was also in a repayment trial with my mortgage lender in which my first payment was made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When disputing the issue, Transunion failed to verify the correct information from my mortgage lender. On my other credit reports with XXXX, it is reported correctly. My mortgage company is 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 2018-11-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a male who identified himself as XXXX from XXXX XXXX on XX/XX/2018. He asked to leave an urgent message about a financial issue ( read : debt ) for a person who was not known to me. I informed him that I was not a member of XXXX XXXX, nor was I the person he was trying to reach, and that I believed he was involved in a scam based on his willingness to leave a message about a debt with someone who did not know the person he was trying to reach. I asked him to stop contacting me. I have received several phone calls from other numbers, and from unlisted numbers, from the same person and requesting to speak to the same person. This is harassment, and I do not know the person they are trying to collect a debt from. The calls have occurred as late as XXXX XXXX. in my time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card with Best Buy at a local store for a purchase of a computer. I completed the application with a sales agent and was approved for the purchase there on the spot back in 2011. My statements were set up to be done online as my payments, have always been done online. I have since paid off that computer and have done numerous purchases and paid them off online as well. Not until recently that I have made larger purchases that I noticed my payments will not decrease the balance on my credit card, so I looked closely at the statements online and I noticed that I was being charged without my permission for enhanced card protection services. Needless to say I immediately called the company where they informed me to call to another 800 number. I called them directly as well and the service representative told me that she would submit my inquiry to cancel services and request a refund of the service charges that I had been done without my consent. A week later I received and email stating the following : " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' How is this 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 2022-08-05
Company: LEXISNEXIS
State: TX
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: Public record information inaccurate

Complaint:
I reached out to Lexis Nexis on XX/XX/XXXX, XX/XX/XXXX regarding a past toll violation with The XXXX XXXX XXXX that the toll was closed and should not be showing on my credit report or any record. I completed a Deferred Adjudication Program in XXXX for three months, stating that I would have a toll for that time. I did not have one, and the case was closed. Lexis Nexius still has this information under my name ; I came across this information from an XXXX Alert showing that this is coming up on my credit report as pending, which is incorrect. I contacted Lexis Nexis and filed the complaint with the information they needed to close this information and correct it under my name, and they did not do so ; it has remained. I sent them another request, but they never responded or answered their phones by email or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX Balance : {$220000.00}, XXXX XXXX Date Opened:XXXX XXXXXXXX XXXX {>= $1,000,000}, XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$47000.00}

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