BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 


XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX inquiry XXXX XXXX XX/XX/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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Date Opened : XX/XX/19 XXXX XXXX XXXX  has violated my rights as a consumer. According to 15 USC 6802 : ( b ) Opt out, ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not get an opportunity to choose if I wanted my nonpublic personal information disclose to any third party including credit reporting agencies. I have expressed to XXXX multiple times through letters, that i do not want my information/transactions/experiences furnished to ANY third parties. I have sent multiple letters yet I have gotten no response to my issue.

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 2023-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a new account at XXXX XXXX. I deposited a check from my Chase account, for the full balance of the Chase account, into my new XXXX XXXX account. I looked online next day and both banks acknowledged the check deposit. The following day I informed Chase that I will be closing my account. Out of spite from losing my business, they failed to honor the check even though the money was in the account. They are trying to make me unbankable, as XXXX XXXX closed the account due to the bounced check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing this letter to bring a serious matter to your attention concerning potential identity theft that has affected my credit report. Upon reviewing my credit report, I found an unfamiliar account listed under XXXX, Account Number XXXX, which was reportedly opened on XX/XX/2022. I wish to express categorically that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I believe I am a victim of identity theft, and this account is a result of fraudulent activity. I have no knowledge of this debt and have not incurred 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 non-monetary relief
Consumer complaint received 2023-09-07
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
" Illegal Repossession Attempt '' occurance on XX/XX/2022 due to company failure to notify XXXX XXXX XXXX of issues resolved prior which resulted in damages to vehicle. Neither Bridgecrest nor XXXX are claiming responsibility of damages. Payments came out of pocket for repairs resulting in delays, Bridgecrest notified by phone day of occurrence as well as follow XXXX  after response from toe company

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 2023-09-12
Company: Constar Financial Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Again I reached out to this collection company about the car collection that's paid in full and email was sent to them showing proof it was paid off from XXXX. Been 2 months and still no reply to my emails and only reply was to the former complaint that they lied to. I sent the first email and waited 4 days and sent second email. Now 2 months have passed and no calls no emails and no information from this company. They didn't even have the information when the replied to the last complaint. I still have email record from XXXX that the loan is paid in full and will use it as proof of payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/XXXX  my credit score was XXXX ( reference XXXX report # XXXX ) and as of XX/XX/XXXX  my credit score dropped to XXXX which is a decrease of almost 99 points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years. 

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I requested a Credit Report in XX/XX/XXXX and noticed there was a charge off/ account listed from Bank America , it was also reporting an address " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that I have no knowledge of nor association to. I have NEVER traveled to, lived or known anyone in MA. On XX/XX/XXXX, I called Bank of America to see why they were reporting this address and this debt. I spoke to the fraud department who advised they were unable to assist over the phone and i had to visit a branch and submit two IDs. I advised the lady XXXX XXXX XXXX XXXX XXXX XXXX and there were no Bank of America branches anywhere close by or located in my area. On XX/XX/XXXX, based on some videos I watched on XXXX advising of what a charge off is I wrote to them asking them to send me a 1099c as required by law when a debt is charged off. This was sent via usps Certified Mail with a Green Return receipt and Tracking Number : XXXX with a green return receipt, Tracking number : XXXX. I did not receive back the return receipt but the tracking shows where the letter was received by a person on XX/XX/XXXX. It has been past the mandated FCRA 30 day period and I have received no feedback from Bank of America. 

I made a report on the FTC and On XX/XX/XXXX, I also sent them a letter advising them of suspected identity theft on my account based on the balance which I am unaware of and the address it is reporting which i have no knowledge of or association with. This was sent via usps Green Return Receipt, Tracking # : XXXX. Return Receipt # : XXXX. This was delivered on XX/XX/XXXX. I have received no communication at all from Bank of America on either correspondence.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have tried to access my on credit report through TRANSUNION but it will not let me. I have tried to contact TRANSUNION numerous times but there phone service keeps disconnecting me.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX  for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2023-09-07
Company: HYUNDAI CAPITAL AMERICA
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:
On XXXX I spoke with XXXX from KIA XXXX XXXX XXXX. They had a XXXX XXXX XXXX XXXX  I was looking for and I asked if there is any way I can put a hold on it. I already was pre approved with XXXX XXXX XXXX XXXX and was ready to purchase a vehicle. XXXX said the only way to know I'm serious is by pulling a soft credit on me and they would keep it until Saturday. I said that's fine. She sent me a link through text and I entered my info. It looked like the KIA website but it was actually sent to other locations because i received other calls from creditors. When i told XXXX I was done she told me the price and i told her I was no longer interested. I then started calling other KIA 's. I called one in XXXX and they had the car I wanted. I told them I ran my credit already with KIA so you should be able to see my credit report ... would you be able to hold it? They said no because I did it through the XXXX website. I was furious because I had told XXXX i had a loan already and i figured this was only going to KIA. She didnt explain to me that it was going to other lenders. The XXXX agent also told me they dont hold cars by pulling credit.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Requested to receive credit reports ( XXXX, XXXX, Transunion ) by mail via XXXX several months ago. They have not sent the reports yet.

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 2023-04-11
Company: EQUIFAX, INC.
State: AL
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 reinvestigated my updated credit report, I realized that many accounts were erroneous. The 3 credit bureaus are required to validate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Balance : {$500.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I spoke to a supervisor at Trans Union credit reporting company. The supervisor refused to give me his name nor an employee ID. My concern/issue as I received an updated alert from Trans Union that a collection account XXXX  was removed and deleted from my credit report and also a balance decrease from a credit card company. however with these two positive things and updates, my credit report score was lowered. I review the last 3 to 4 credit report from TransUnion I realize that I had five collections and maxed out all of my XXXX credit cards only paying the minimum and my score was a XXXX. That score of the XXXX included late payments and XXXX to XXXX collections from charge-offs. As of XX/XX/XXXX I received an alert from Trans Union and XXXX XXXX stating that a collection account which was a large amount was deleted from my credit file. with extreme concern that my score had downgraded which was unreasonable due to the fact that a collection account was deleted and a balance on a credit card had decreased. I am requesting Trans Union to present specific and detailed and itemized reason for my credit score to have dropped. Im asking for specifics such as IIdentify specific date, payments, Closed accounts/those close to accounts were also included when I had a XXXX score. I feel Trans Union is XXXX XXXX  XXXX. Trans Union is going to say that they have a system that calculate scores. But the system is regulated by human beings and employees at Trans Union.They have to update the system, they have to make sure that it is working correctly and they can make sure that it is identifying African-Americans or set up to identify XXXX Credit reports and cause damage such as not updating scores accurately and discriminatory. I belong to a blog where there are thousands of African-Americans who are going through the same thing with Trans Union that I am going through. Thousands of African-American have said that they are experiencing or have experience Trans Union refuse to investigate obvious and blatant mistakes/ discrepancies of not updating or correcting mistakesOn their Trans Union credit report.A lot of them have even report they were retaliated by Trans Union such as having no report or a score of zero after complaining to the administration of Trans Union credit reporting department . No one should be retaliated and therefore I will be keeping close tabs and watch for any retaliation 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 2023-05-28
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) RXXXX XXXX OPEN BALANCE IS {$1700.00} OPENED XX/XX/2023 ORIGINAL CREDITOR IS CREDIT XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 

REMOVE OR DELETE THE ACCOUNTS

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 2022-12-16
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2022 Regions Bank allowed scammers to make 3 withdrawals from our business account totaling {$120000.00}. Before the withdrawals were completed Regions Bank called me on the phone to alert me that some fraudulent activity was in progress. I immediately let Regions know that I was not in the process of doing any withdrawals at that time. I went to the local bank within 10 minutes. However, Regions allowed the funds to leave my account. It's been about a month and Regions has not returned the money. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have bounced checks and are in need of the funds to meet payroll.

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 2023-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX  bureaus

Company response to consumer: Closed with explanation