BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance witn tne Fair Crealt Reporting act. The List or accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX Loans # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs # 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 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 2023-09-24
Company: Experian Information Solutions Inc.
State: LA
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:
I, XXXX XXXX XXXX XXXX have been a victim of identity theft and impacted by the Louisiana and XXXX data breaches. As a result, as a Louisiana resident, my personal information was exposed in the breaches that made global news. I'm a victim of identity theft, and the accounts and inquiries listed result from identity theft. 

Accounts & inquiries that are not mine and a result of identity theft are below. 

Account 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 explanation
Consumer complaint received 2023-08-28
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have been a victim of identity theft.A auto loan was open with credit acceptance corp Acct XXXX XXXX  while XXXX.The account has inconsistent dates and data. 
The above account ( XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy 15 U.S.C 1681 Section 602A 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 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 2023-12-08
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
15 U.S. Code 1681 states that if information on my consumer report isn't 100 % accurate that it should be blocked and removed from my consumer report. If XXXX XXXX  XXXX is reporting information to Transunion and XXXX the information should all be the same. 

On the Screenshot of my credit report that I have attached ( The Date Opened ) and ( Date Last Active ) is inaccurate. All information being reported should be the same and it isn't All 3 parties are working together to destroy the quality of life by reporting false and damaging information to my consumer 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 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Please see original complaint # XXXX. Because Bank of America did not do it's due diligence regarding this matter, I had no other choice than to hire an attorney to resolve the issue. My attorney did indeed get the proof necessary in order for Bank of America to reverse the fraudulent charge dated XXXX XXXX 2022 for the amount of {$1200.00}. Bank of America never contacted the merchant in question, only XXXX payments systems and took their word for it. Clearly, XXXX has also been scammed in this situation. As you can see from the document my attorney prepared the merchant in question did NOT provide me or my husband any kind of product or service. 
Attached you will find the original letter from my attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX XXXX. I look forward to hearing from Bank of America in resolving this matter.

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 2023-08-18
Company: Cascade CISS Holdings, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/, I received a phone call from XXXX XXXX XXXX  - phone number XXXX. Call lasted 1min 59sec. 

Person on the phone told me that are calling from XXXX XXXX XXXX  and they are not trying to sell me anything, they just want to send me some information about high interest debt. I told him I don't need anything and don't need to refinance. He said he knows as he can see I am locked into a great rate. He knew my name and address and obviously my phone number. He asked he only wants to send me information and needs to confirm my email, I said fine. He said his manager may contact me in future. 

1- hour later there was a HARD Credit Inquiry on me. As well as on on my Wife. 

Neither of us authorized this or apply for anything. 

Inquiry is from : XACTUS-CP Address : XXXX XXXX XXXX, XXXX, MD XXXX Comment : Real Estate on behalf of XXXX XXXX XXXX XXXX XXXX 

quick search on google regarding XACTUS-CP shows that is what they have been doing to countless consumers, XXXX  review , XXXX  complaints its all over. 

Yet nothing is done about this company frequently running unauthorized Hard Credit Checks on consumers. 

Please take legal action, XXXX if not XXXX are affected by this companies illegal actions. 

How can they run Hard Credit checks on anyone without authorization? 

The company is - XXXX XXXX XXXX I have called them and they said send an email with Name, Address and DOB to their email XXXX, Which I did. I have not heard back. Apparently this is their normal business as the were not concerned and said send an email. 
Quick XXXX search on their name, reviews and XXXX XXXX XXXX complaints reveals many many others affected by them in the same manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
On XXXX XXXX XXXX AMERIHOME MORTGAGE COMPANY LLC carried out an unlawful foreclosure sale on my property. The corporation lacked the necessary authority for this foreclosure as the note had not been legally transferred to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This omission was a deliberate attempt by AMERIHOME MORTGAGE COMPANY LLC to circumvent tax obligations, specifically by avoiding the filing of a Form 1066 income tax return. Such actions constitute a violation of Title 26.

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 2023-12-02
Company: TrueAccord Corp.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Email received on XX/XX/XXXXXXXX  : Hello, XXXX XXXX XXXX. We're TrueAccord Corp, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You have an account with XXXX XXXX XXXX. The original creditor was American General Financial Services with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX 
As of XX/XX/XXXXXXXX  you owed {$370.00} Between XX/XX/XXXXXXXX  and today You were charged this amount of interest + {$54.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now $ XXXX- This debt was settled in bankruptcy and is no longer owed. They attempted to have me sign a document that is from the lender but I refused. Please assist me in any way you can to make this stop. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX of XXXX I was notified there I account was breached in the XXXX breach and found there fraufulant and inaccurate errors in my credit report. I filed XXXX AFFIDAVIT and was given a settlement complaint. 

I promptly notified the credit bureaus and creditors and the errorrs were removed. 

Under FRCA 1681 USC 15 and under CFPB proctection, Everything must be accurate and verified in a timely matter! My report still shows all sorts of errors and TRANSUNION and XXXX has refused to help. 

TRANSUNION and XXXX has violated my rights inputting an account that was deleted due to fraud and inacurrate info. 

THe original account was XXXX and was deleted cause it was fraud. 

XXXX XXXX XXXX has acquiired this fraudualnt account and illegally dated the account as new account opened under my name. This account removed by XXXX due to fraud but now XXXX and TRANSUNION inputted this inaccurate and blatant fraud on my report. 

This original account opened in XXXX and was deleted due to fraud but, now XXXX XXXX XXXX illegally obtained my info and reaged the account to a new opening date. This is illegal! 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$12.00} XXXX with Date of Last activity XX/XX/XXXX, how can that be possible? THis not my account and I never have had this account. 

I will sue TRANSUNION, XXXX and XXXX XXXX XXXX for fraud and violating my rights by not investigating and and verifying my info before inputting obvious inacuurate and blatant fraud! 

THIS is ILLEGAL and I have never gave authorization for the bureaus to share my info or invade my privacy, I have never had this account! 

XXXX XXXX XXXX XXXX Date of last activity is XX/XX/XXXX with date of account opening the XX/XX/XXXX That is Fraud and illegal. 

I want this account removed immediately or I will sue. This has been going for far too long and I will be reaching out a lawyer in the next 30 days if this balant violation of my rights is not rectify! 

I have enclosed my FTC ID to show the original account was XXXX and was deleted to prove that you are violating my rights! 

Remove the account or I will sue!

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 2022-08-22
Company: BARCLAYS BANK DELAWARE
State: PA
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:
My Barclays Mastercard ( from Barclays, XXXX XXXX. XXXX XXXX, XXXX XXXX. ) ending in XXXX was stolen from my wallet in a locker at an XXXX XXXX XXXX Pennsylvania recreation facility on XX/XX/2022. The card was one of four credit or debit cards stolen fro my wallet, Expenditures were made on all four cards by the thief the same day including a {$3600.00} expenditure at the XXXX store on the XXXX card. I reported the theft to all four credit card companies, as well as to the XXXX XXXX XXXX Police Department the same day. Three of the credit card companies gave me credit for the expenditures made by the thief. However, Barclays XXXX XXXX XXXX XXXX MasterCard Account has told me that I am responsible for expenditure by the thief. 

Barclays initially issued me a provisional credit to my account for the full amount of the expenditure but later reversed its decision and placed the amount back on my account. Barclays letter dated XX/XX/2022, stated that the expenditure by the thief was valid because " the card was identified as being in your possession and chip technology was used, which can not be counterfeited. '' I have been attempting to get Barclays to remove the charge since then. XXXX XXXX XXXX of the XXXX XXXX XXXX Police Department telephoned Barclays on or about XX/XX/2022, on my behalf to report the theft of my credit card. I faxed to Barclays on XX/XX/2022, a report from the Chief of Police of XXXX XXXX XXXX Police Department confirming the theft of my Barclays card and the {$3600.00} charge made while it was stolen. Nevertheless, I have been unsuccessful in getting Barclays to apply their advertised policy of not requiring payment by their card holders of stolen or fraudulent expenditures. 

I have telephoned Barclays fraud investigation unit on numerous occasions to plead my case. I talked to, among others, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/2022. I have been told someone will contact me after a review of the case, but no one ever calls back. 

I would appreciate any assistance that you can provide to require Barclays to acknowledge that I have no responsibility for the XX/XX/2022 charge of {$3600.00} at the XXXX store that I did not make as the charge was made by a person who stole my credit card.

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 2022-04-25
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Date Opened XX/XX/2018XX/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