BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I may presume that no hard proof of the allied debt, nor therefore any such debt, in fact exists for accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$4700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$2600.00} 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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
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:
My recent CFPB case was XXXX. It was closed without Transunion abiding by the The Federal Fair Debt Collection Practices Act. I have sent several requests by mail and submitted the CFPB complaint. Transunion has STILL failed to provide me information I requested they used to validate this alleged debt.Before I submitted the last CFPB request they responded in another language. They did not respond at all from the CFPB complaint by mail.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in English only. Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX. This account should be deleted they have NOT validated this account. Simply stating verified is NOT validation. How is it they are validating this account and XXXX could not? I attached the same documents to show Transunion previously sent me a response in a language I don't understand.This was a stall attempt.

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 2023-08-06
Company: The Outsource Group, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was paying monthly to the provider and was sent to collections. I talked to the collections company and gave them my financial information. Now its saying they tried to charge me and charges suspended due to faulty date. I have them permission to charge me in XXXX and they tried in XXXX. I dont feel like I should be in collections period because i was paying what I could monthly to the provider. XXXX $ a month for a bill that was only XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Thaxton Investment Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
On my credit report, I noticed a credit inquiry from XX/XX/2020 that I did not authorize. I contacted the company via phone to get this inquiry removed. They advised I would have to go through my XXXX for the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : XXXXXXXX XXXX Bank of America, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : XXXX XXXX : Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

Bank of America : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

XXXX XXXX XXXXXXXX XXXX : Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, J.P. Morgan Chase Bank, and XXXX XXXX XXXX. I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : XXXX XXXX XXXX Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

XXXX XXXX XXXXXXXX : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

J.P Morgan Chase Bank : Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
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 accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information listed below in subsection A ( 1-3 ) is inaccurate : Sub-section A. 1. ) ACCOUNT XXXX XXXX Opened XXXX {$770.00} 2. ) XXXX XXXX XXXX Opened XXXX {$790.00} 3. ) XXXX XXXX XXXX Last reported XX/XX/ {$2700.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor

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 2023-08-06
Company: InDebted Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
It made me strong to be able to pay my truck, I contacted the XXXX XXXX, I let them know that i surrender up on the payments, I tried to sell the vehicle.it was difficult for me. 
I call the XXXX for picked up at my house.After they sold the vehicle they contacted me to pay the remaining balance.They tell me that there was a balance of XXXX dollars. 
I offered to pay XXXX a month.After XXXX years paying without fail.I found myself checking the balance and i had the same balance.They are charging me super high interest.Its super XXXX offered to pay XXXX dollars, and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2023-01-31
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against TRANSWORLD SYSTEMS INC # XXXX FOR ALLEDGED BALANCE DUE {$220.00} XXXX reject your offer to contract I did not consent to any nonaffiliated third party TRANSWORLD SYSTEMS INC # XXXX to be in possession of my XXXX XXXX XXXX. I never gave any permission to TRANSWORLD SYSTEMS INC use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to cease and desist all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. After you sent a letter STATING thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO your debt collection company ''. I now have reason to believe that you are all conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN XXXX THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND XXXX CALLING ON THE CFPB TO ENFORCE AND POLICE MY FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO. THIS IS WHERE FDCPA VIOLATIONS ARE FOUND IN YOUR LETTER TO ME YOU STATED " THERE CAN BE POSSIBLE CONSQUENCES CONNECTED WITH NONPAYMENT OF A LEGITIATE DEBT. '' UNLESS TIMELY PAYMENT IS MADE WE XXXX RECOMMEND TO OUR CLIENT THAT THIS ACCOUNT BE TRANSFERRED TO OUR TEAM PROFESSIONAL TELEPHONE XXXX '' .TRANS WORLD SYSYEMSINC BELEIVES SETTLEMENT NOW IS BEST POLICY. THIS IS A ATTEMPT TO COLLECT A DEBT '' BASED ON EVERYTHING YOU STATED YOU ARE IN VIOLATIONS OF THE FDCPA XXXX XXXX XXXX XXXX XXXX XXXX  AND UNDER THE FDCPA VIOLATIONS FINDINGS XXXX XXXX XXXX I EXPECT MY {$1000.00} PER VIOLATION FOR MY DAMAGES DUE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Bank of America about a fraudulent charge on XX/XX/2022. The charge originally posted for {$1000.00} on XX/XX/2022. 

I have told them it was fraudulent and they will not reverse the transaction. I have sent in all documentation required.

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 2022-06-21
Company: Experian Information Solutions 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 with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have paid Lexington Law to help with my credit and paid them upfront. They had not performed any of the services they stated I would receive and when I asked for a refund, they said I would get a portion of it back, but I had to wait a year by contract. It has been almost 2 years and I still have not received anything. They removed me from their system and when I called I asked for someone on the management team to give me a callback and that never happened. This agency has scammed me out of {$800.00} and refuses to provide me with a refund.

The lack of communication on their part and removal from their system tells me what type of company they are.

I end up paying 60 more because they talk me into doing an accelerated service they provided which yielded no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Merchants' Credit Guide Company
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During Covid I was hospitalized for approximately three months starting on XX/XX/XXXX. XXXX. On initial hospitalization my insurance switched from my previous employer to state of Kentucky Medicaid. The initial start date of the Medicaid was incorrect which later caused some issues between my previous insurance and Medicaid as to who was going to cover the hospital expenses. This took over a year to correct with medicaid finally being backdated to reflect the correct start date of coverage. All medical companies that were affected, and still waiting for insurance to cover the bills, were notified to resubmit to Medicaid. Some companies grew impatient and submitted claims to debt collectors which in turn filed claims against my credit rating. Additionally, debt collector - Merchants Credit Guide - began harassing phone calls several times a day concerning a {$300.00} dollar debt to XXXX XXXX XXXX XXXX Kentucky which is part of the XXXX XXXX XXXX XXXX. It got to the point where I didnt answer the calls and turned off my voicemail. Both the XXXX XXXX and XXXX XXXX were made aware of my situation by both myself and the XXXX Kentucky Health Department, yet XXXX XXXX forwarded my dept to a collection agency. XXXX credit brings my XXXX credit rating to just below XXXX. Its frustrating and aggravating they can do this and I want them to remove the blemish affecting my credit rating and to stop the phone calls! It will likely take 3 to 4 weeks for Insurance to process the claim so knock it off!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation