BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

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 2023-07-23
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: Old information reappears or never goes away

Complaint:
XXXX XXXX took over my student loans over 3 years ago without my consent and the account was given to them without my consent by U.S. Department of Education without my consent. This has been on my credit for over 13 years and U.S. Department of Education has allowed this to happen along with allowing these loans to be given over to at least 5 different 3rd party companies which was without my consent. According to the FCRA guidelines this is unlawful and these loans were supposed to be dismissed long ago but theyre still lingering on my credit report in the amount of {$53000.00}

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Edit Federal Trade Commission : IdentityTheft.gov FTC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX USA Phone : XXXX Email : Personal Statement XXXX XX/XX/XXXX Accounts Affected by the XXXX Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX Addresses : XXXX XXXX XXXX XXXX XXXX ga Credit Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 


XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
PreviousFinalize IdentityTheft.gov is the federal governments one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process. 

Visit ftc.gov/idtheft for prevention tips and free resources to share in your community. 

Privacy Policy XXXX XXXX # : XXXX Under the Paperwork Reduction Act, federal agencies are not allowed to collect information from the public without a valid XXXX control number. 

Create a Personal Recovery Plan Browse Recovery Steps Know Your Rights Sample Letters Warning Signs of Identity Theft What To Do If Your Info Is Lost or Stolen Credit Bureau XXXXontact Info Other Helpful Contact Info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-18
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not aware I could dispute the National Credit Systems collection from a debt that has zero validity. 

I began paying the collection little by little because I did not want a derogatory mark on my credit, however I stopped because I began questioning why I was paying it. 

I can not remember exact amounts, but they said I owed around {$1200.00} to XXXX XXXX which is my previous apartment. ( Current amount {$1000.00} " owed '' ) My last month 's rent should have been covered because I paid my first and last month rent in the beginning of my contract in XXXX. We moved out in XXXX during COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
FINAL DEMAND LETTER BEFORE LEGAL ACTION Defendants Name : American Express Company Defendants Address : world financial center, XXXX XXXX XXXX, XXXX XXXX, ny XXXX, XXXX Re : XXXX XXXX Dispute Plaintiffs Name : XXXX XXXX Plaintiffs Phone : XXXX Plaintiffs Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX Plaintiffs Email : XXXX Dear American Express Company : Please be advised that you owe me the following : 1. Amount Requested- {>= $1,000,000} 2. Description Since XX/XX/XXXX, you have failed to pay me for the damages that resulted from your clear violation of federal online accessibility standards and guidelines. I have documented and saved the list of accessibility violations present in your website as of XX/XX/XXXX. 

Details : Your website does not meet federal accessibility standards and guidelines under the Americans with Disabilities Act of 1990 and Web Content Accessibility Guidelines ( Department of Justice. ) Specifically, you have the following violations and errors present in your website. 

Issue : Missing Language Setting Description : You should set the language for your entire website / webpage to improve accessibility and make your page easier to navigate for screen reader users. 
Legal Violation : 42 U.S.C. 12101 : Americans with Disabilities Act of 1990 ( Title II and Title XXXXII for web compliance ) Issue : Missing Accessibility Statement Description : It seems like you're missing an accessibility statement on your website, which is required in some countries. An accessibility statement is important as it ( 1 ) shows users that you care about accessibility and about them ( 2 ) provides them with info about the accessibility of your content and ( 3 ) demonstrates commitment to accessibility and to social responsibility. 
Legal Violation : 42 U.S.C. 12101 : Americans with Disabilities Act of 1990 ( Title II and Title III for web compliance ) 3. Demands This will be your only chance to settle this matter before I file suit against you in Small Claims Court. I am agreeable to a lump sum payment, or to a payment plan. Please contact me within 2 weeks upon receiving this request or I will file a lawsuit against you without further notice. It is in your best interest to settle this matter before a lawsuit is filed. If a judgment is obtained against you, it will negatively affect your ability to get credit, you will be ordered to pay court costs, and you will incur interest at a rate of 10 % per annum. 

This letter serves as evidence that I have attempted to resolve this matter informally. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct 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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested the correction of inaccurate information that another credit reporting agency found inaccurate and removed it. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. XXXX XXXX Balance Owed : {$30000.00}.

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 2023-07-24
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
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 with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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. 

This inaccuracy is stopping me from wanting to get a new home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Consumer Financial Protection Bureau, I am writing to file a formal complaint concerning unresolved unauthorized hard inquiries on my credit report with TransUnion and XXXX. Despite my sincere efforts to rectify this issue, the credit bureaus have mistakenly assumed that the requests were made by a third party, leading to a lack of correction. 

On XX/XX/2023, I sent certified letters to both TransUnion and XXXX, explicitly requesting the removal of unauthorized hard inquiries from my credit report. The envelopes were hand-written, bearing my return address, also handwritten by me, and mailed from my local USPS office , along with a copy of my DL, clearly indicating that the requests originated from me as the account holder. 

However, to my dismay, the correspondence I received in response stated that no errors were corrected because it appeared as if the request came from a third party. This is deeply concerning, as I took every precaution to ensure the legitimacy of the requests, and I have legitimate concerns about my credit report accuracy. 

I kindly request your immediate intervention in this matter. I believe that there might have been a misunderstanding or mishandling of my letters by TransUnion and XXXX, resulting in an incorrect assessment of the situation. 

Enclosed with this complaint are copies of the original letters sent to both credit bureaus, along with the certified mail receipts, which serve as irrefutable evidence of my genuine attempt to resolve the unauthorized hard inquiries. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate the prompt removal of the unauthorized hard inquiries from my credit report. It is crucial to ensure that the credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) and accurately represent the information provided by consumers. 

Thank you for your attention to this pressing issue. I am eager to see a swift resolution to this matter and regain the accurate credit report representation I am entitled to as a responsible borrower.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquires reported on my credit report. I need these inquires removed. They were reported on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my account is on hold and closed with bank of america with over {$7000.00} in it i have reached out to bank of america benefits card holder several times the hold was because of an identity issue with was resolve with the department of maryland unemployment my identity is verified i no longer have a hol with unemployment habe been expressing this issue to bank of america over XXXX times and they still will not release my funds in the closed acount

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 2023-07-28
Company: Bread Financial Holdings, Inc.
State: MO
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:
On XX/XX/2023, a dispute was filed against Comenity. The report number is XXXX and I have no reason to believe that an investigation was done. Comenity has not updated the remarks to indicate that any true investigation was conducted. Account Number XXXX has not been investigated and has VIOLATED the FCRA 605- indication of dispute by consumer. attached are the dispute proof and how the account is currently being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a merchant who has been using Square to process payments, and I have always been a compliant and trustworthy user. However, I have been facing a prolonged three-month period of payment freeze, and to this day, the issue remains unresolved. Despite providing extensive documentation to prove the legitimacy of my transactions and identity, I have not received any positive response or resolution. 

This situation has caused me significant distress and financial loss. As a small business owner, I heavily rely on these funds to pay suppliers, employees, and cover daily operational expenses. However, due to the frozen payments, I have been unable to make timely payments, leading to unnecessary complications and damage to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have conducted due diligence and found no record of TRANSWORLD SYSTEMS having the required license to conduct debt collection activities in Alabama. 

Therefore, I am formally requesting that TRANSWORLD SYSTEMS provide documented evidence of the agency 's authorization to engage in debt collection in Alabama. This should include a copy of the agency 's current and valid license issued by the relevant state authority. If your agency is unable to furnish this documentation, I insist that you immediately cease all collection efforts related to the alleged debt and discontinue reporting to the CRA 's without my consent. 

Additionally, I remind you that debt collection activities without proper licensure are not only illegal but also a violation of consumer rights protected under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Failure to comply with these laws may lead to legal consequences.

Company response to consumer: Closed with explanation