BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both TransUnion and XXXX. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?

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 2022-06-17
Company: CCS Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My XXXX XXXX XXXX was insured by XXXX XXXX I was involved in a car accident XX/XX/XXXX. My car was totaled lost so I didnt have a car insured. I did call XXXX XXXX  customer service and explained that I was looking to buy another car but they sed they were going to place my car insurance on hold until I purchase another vehicle not charged me just keep the policy going. So What am I getting charged for between XXXX and today

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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:
Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( 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 2022-01-17
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( 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 2022-06-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Found : Social Security Number Potentially Breached Site : XXXXXXXX - breach occurred in XXXX, XXXX On XX/XX/XXXX, XXXX announced that all XXXX locations, POS and gas pumps were potentially affected by a malware data breach that exposed customer payment card information between XX/XX/XXXX through XX/XX/XXXX. 

Connects XXXX takes the security of your funds seriously. Your card has been identified as a compromised card that was used at XXXX during the data breach. 

on XX/XX/XXXX XXXX, we found your Social Security number on a Dark Web site View Details Your Social Security number has turned up on one of the thousands of Dark Web sites we monitor each day for you. This activity does not necessarily mean that you are the victim of identity theft, but your personal information may be vulnerable.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2017-09-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including name, social security number, address, birthdate, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by pushing the injured parties that they are responsible for to sign up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously disputed this information because I was paying the original creditor. I have no idea why I would end up in collections for this and never received any sort of notification. I think it is wrong that an account like this can even be reported to a credit bureau without the proper information being used. Unless this company is able to fully identify me as the owner of this account, I want it removed ASAP. I believe they have the wrong person because of what I previously stated and it is kind of weird because I still have electricity. So therefore, I must not be delinquent. I believe that my information was stolen in the XXXX  breach and someone is trying to use it against me. I want this company to stop trying to ruin my credit reports and delete all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Medical Data Systems, 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: Account information incorrect

Complaint:
XXXX XXXX hospital states they sent me to collections ( Medical Data Systems ) with a bill with the first delinquency effective XX/XX/XXXX. On that date I was in the XXXX recovering from XXXX XXXX so the itemized bill would not be ready for a few more weeks following my discharge pending what was received from my insurance company. The first payment was not due for a few months following my discharge. 
I underwent payment plans and paid the final payment ( {$2100.00} ) to XXXX on XX/XX/XXXX. Medical Data Systems states that they paid off my debt ( {$170.00}, {$170.00}, {$200.00}, & {$360.00} ) as of XX/XX/XXXX when I had not undergone payment agreement nor paid any money to this 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 2022-01-17
Company: LEXISNEXIS
State: GA
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:
I have placed multiple requests to receive my free annual report 2 to 3 months back and still have note received any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: AR
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:
My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our report since we first found out 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. XXXX XXXXXXXX {$6300.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX {$460.00} XXXX XXXXXXXX XXXX {$400.00} XXXX  XXXX XXXX {$10000.00} XXXX  XXXX XXXX {$990.00} XXXX XXXXXXXX {$4800.00} XXXX   XXXX XXXX {$400.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX   XXXX {$390.00} XXXX XXXXXXXX {$390.00} XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$30000.00} XXXX  XXXX {$710.00} XXXX  XXXX {$400.00} XXXX XXXX XXXXXXXX {$31000.00} XXXX  XXXX XXXX {$2200.00} XXXX XXXX {$320.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$15000.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$830.00}

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 explanation
Consumer complaint received 2022-01-17
Company: Early Warning Services, LLC
State: GA
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:
I have placed multiple requests to receive my free annual report 2 to 3 months back and still have note received any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XX/XX/XXXX bill with a due date of XX/XX/XXXX in the amount of {$58.00} was never received by me in any form which is an on going issue with this company. As a result the following months payment due on XX/XX/XXXX was now {$110.00} which includes the past due of {$58.00} which is clearly visible on their own paper statement. On XX/XX/XXXX the past due amount was paid bringing me current and only owing {$58.00} by the XX/XX/XXXX due date. On XX/XX/XXXX {$2000.00} they withdrew {$110.00} from my account even though I paid the past due amount on XX/XX/XXXX going against the signed minimum auto payment due document. I requested the extra payment to be credited back to my payment method and I was told no. I want the {$58.00} credited back to my payment method. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had a continuous unauthorized charge from XXXX XXXX all thru 2019 yet Bank of America refuses to stop the payment. Bank of America stated they can not stop the unauthorized payment. I have contacted the XXXX XXXX  several times about my cancelled membership and to stop payment yet this seems to be a mute point. Currently within a month I have had {$100.00} taken out of my account illegally and unauthorized.

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 2022-06-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Found : Social Security Number Potentially Breached Site : XXXX  - breach occurred in XXXX, XXXX On XX/XX/XXXX, XXXX announced that all XXXX locations, POS and gas pumps were potentially affected by a malware data breach that exposed customer payment card information between XX/XX/XXXX through XX/XX/XXXX. 

Connects XXXX takes the security of your funds seriously. Your card has been identified as a compromised card that was used at XXXX during the data breach. 

on XX/XX/XXXX XXXX, we found your Social Security number on a Dark Web site View Details Your Social Security number has turned up on one of the thousands of Dark Web sites we monitor each day for you. This activity does not necessarily mean that you are the victim of identity theft, but your personal information may be vulnerable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the beginning of 2019 I disputed a debt with Portfolio Recovery due to finalization of acknowledgement from XXXX XXXX themselves that the account was fraudulent. They stated they sent the request to the credit reporting agencies and it would be removed. This was pertaining to account ending in XXXX. It was then removed from the credit agencies. 

Now it is back reporting on my credit and I have to go through this process again of getting it removed. I've sent multiple communications to Porfolio Recovery as well as a copy of the evidence letter provided from XXXX XXXX each time that states that this account was fraudulent and will be removed off my report. This was dated XX/XX/2019 which was prior to the letter of them recovering the account from XXXX XXXX dated XX/XX/2019. 

I'm not sure why they were even ever able to recover the account. I have tried to communicate with them and provided the evidence for it to be removed but they are not responding to the evidence provided and I would like this removed off all my credit reports yet again. This is highly aggravating to have to go through this entire process again. How it was previously removed and now it's back is beyond me. I'm not sure what further information they need when I've provided what they requested which was a fraud affidavit they requested and the requested evidence from the Credit reporter themselves again that it was fraudulent. I'm not sure what else to do and it's very overwhelming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM O IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account have more than 5 days freeze, I tried to contact them multiple they are no able to help me, they have a long wait time for more than 3 hours. I NEED TO PAY RENT, BILLS, I live by my own. They have my money. PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: MD
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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT. OF EDXXXX Account # XXXX, has violated my rights. ( There are 12 of DEPT. OF ED/XXXX STUDENT LOAN ACCOUNT WITH THE ACCOUNT # BEGINNING WITH # XXXX. I AM NOT WORRIED ABOUT THE 12 ACCOUNTS I AM CONCERNED WITH THE REPORTED LATE PAYMENT. I only have a problem with the reported late payment for all 12 of the student loan accounts. I would like to keep the 12 student loan accounts on my reports just remove all of the late payment reports. ) 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-09-12
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX and XXXX are involved in a SERIOUS breach of security relating to giving out credit card information to automatic billing vendors. On Friday, XXXX XXXX, XXXX, I picked up my new replacement credit card from XXXX from my XXXX XXXX XXXX I check this box once or twice a week for mail. I waited until Monday, XXXX XXXX, XXXX to call to activate the new card so I could call all the vendors that have automatic billing to give them the new credit card number ( as instructed in XXXX 's instructions with the new card ). When I called the vendor, XXXX XXXX XXXX XXXX XXXX XXXX, I reached the automated billing system. This system TOLD ME my NEW credit card number and NEW expiration date. I had NOT given AHS this information. I called XXXX to ask how XXXX got my new credit card number since I had just received it and activated it. The agent said CHASE does not give out that information and offered to change the card number. I called XXXX next. The agent said their file showed on XXXX XXXX, XXXX, the new credit card number was updated when XXXX sent an alert that my old card was going to expire and XXXX gave the new credit card number and the system synchronized and updated the number. ( The old card was valid to XXXX, but XXXX was dropping the military program and also changed from MC to XXXX so XXXX was issuing new cards to members. ) I called XXXX back again and spoke with XXXX in XXXX, XXXX, the Fraud supervisor, XXXX in the Disputes Dept and finally, XXXX, a Disputes supervisor. They all said they are not allowed to give out credit card numbers, however, did verify this new number was used for XXXX 's automatic billing on XXXX XXXX, XXXX before I even had the new card or activated it. XXXX kept saying CHASE did n't do it. XXXX the XXXX supervisor, says XXXX has an automatic account updater and XXXX did it. XXXX, in the XXXX XXXX said XXXX did it, but she did n't know how to answer my question and she forwarded me to her supervisor, XXXX. XXXX said XXXX does the automatic update and XXXX has some authorization on file with XXXX to allow this ( however, the other automatic billing vendors do n't have this authorization? ). She also could not answer my question : HOW WAS XXXX ALLOWED TO PUT CHARGES ON A CREDIT CARD I HAD NOT YET RECEIVED NOR ACTIVATED? ALSO, WHY WERE THEY GIVEN THIS CARD NUMBER WITHOUT MY AUTHORIZATION? None of the people at XXXX could answer this question, they took no responsibility, and blamed XXXX and XXXX. 

This is a SERIOUS breach of the security I should have over who has access to my credit card number unless I give it to them. Also, if XXXX and XXXX are automatically giving out credit card numbers to vendors this needs to be addressed immediately. If this happened to me, it 's happening to many other people also. 

Thank you.

Company response to consumer: Closed with explanation