BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: FIRST PORTFOLIO SERVICING 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:
I disputed this on my credit a few times. The first time I made email contact was on XX/XX/2023 requesting an itemized bill, validation of debt with my signature and a fraud packet. They responded on XX/XX/XXXX by XXXX XXXX telling me I would receive a separate email with the fraud information on it. I responded back on XX/XX/2023 letting them know I have still not received it and my credit has been opened the are still reporting. I sent another email today letting them know I still haven't received anything that I requested and they are still reporting to my credit. I've requested and requested and have not receive any information and they are having a negative impact on my credit. I'm trying to clean up my debt that is reporting but I refuse to pay for something that isn't mine. 

Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
I requested to correct the inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX Balance Owed : {$540.00}, XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX Balance Owed : {$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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2023-09-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Respected Sir/Madam iI want to report and seek help on XX/XX/2023, there was an unauthorized transaction of {$1500.00} on my account. I did not make this transaction and have already filed a claim, but it was told that i will receive my credit back in 1 business day today its 4th business and i am fooling again and again daily by chase team by telling that tommorow you will get. I received an alert about the transaction and immediately blocked my card and called customer service, but unfortunately, they were not available. After 18 months of hospitalization, I recently started my job and received my first payment of {$1100.00}. I deposited it and went to a car show. When I returned home, I realized that I had lost my wallet and mobile phone. I immediately logged in from my computer to block all my bank debit and credit cards. At the same time, I received an email notification that my card had been used for the unauthorized transaction. I locked my card and called customer service as soon as they opened on Monday to file a claim. However, I received notice that no action will be taken and dispute is fooling me daily. I need my money back as I have already gone through a lot of struggle to start saving again. This unauthorized transaction is illegal and unauthorized. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the ACCOUNT that need to be removed from my file : XXXX XXXX XXXX Balance : {$930.00}.

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 2022-09-30
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:
XXXX Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to Transunion is XX/XX/2013. This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.

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 2022-12-08
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been mislead by NACA on several occasions and discriminated against. I have all this documented. I was even threaten to inactive my account by XXXX XXXX due to my XXXX XXXX my XXXX this is discrimination. I have been told several different things to qualify for NACA and each time I have done them. Now I have to wait 6 months to do a payment shock which I have been doing so but XXXX XXXX told me to pay down my DTI with my payment shock this whole call was documented. They are giving me a very hard time and I know its because of my XXXX. I know they dont do this for everyone Im in a NACA XXXX on XXXX and I have screenshoted several different members comments how NACA does not follow policy or guidelines they pick and chose who they qualify, I have proof of all of this. XXXX member said he didnt have to do certain things another member had to do, they are not following policy and guidelines for everyone. They told me my action plan and what to provide and I did that and once I did that they gave me a new action plan. They have mislead me, disrespected me, discriminated against me, threaten me, put me down, discourage me. I have XXXX children and I need a home. I have been doing everything I been told to do and its always something new added on. My first counselor ignored me and I have several emails to prove this and calls. My XXXX are really bad right now NACA is making them worst, I been crying all day because if I wasnt ignored and told this from the beginning I would of did so. My son was even crying he is XXXX because he knows I been working hard and doing everything that was told to me by XXXX and now all of a sudden it has changed. I told them Im contacting CFPB and HUD then I was threaten to inactivated my account. They also told me if I call again my account would be inactive. Only thing I trying to do is get me and my children a home. I been mislead and done the worst way possible. This isnt right. 
Desired Settlement : Them to follow what XXXX XXXX told me and my initial action plan as well as monetary relief from pain and suffering for me and my children. ; They have no payment shock on my action plan but I have been saving anyway XXXX told me to use to pay my XXXX down which I did, I was mislead ; Contact by the business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked for a validation letter and they refused, stating they could not mail me one without my legal address or social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice about a debt that is not mine or ever heard about. Once I spoke with the representative XXXX he informed me that I had the debt from XXXX Its XXXX! I have included the document that Jefferson Capital Systems LLC sent to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am not happy with the credit bureaus. I am a victim f identity theft/fraud and the accounts that i have on my credit files do not belong to me. I requested the creditors and bureaus to send me the steps on how they verified these fraud accounts and no one has sent me anything. As a consumer I know my rights and you all are being illegal. per 15 usc 1681 b I did not authorize you to furnish this incorrect information and this information does not belong to me. I am not liable for any of the accounts or transactions created by these accounts. If this matter is not resolved i will have to take legal action. I will give you all one more chance to properly remove the fraud items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer credit report and I noticed some accounts that should not be there : XXXX XXXX XXXX XXXX XXXX TRANSUNION is in clear violation of the law, Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY SAYS that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give TRANSUNION written instructions to furnish these accounts on my consumer report. 

And further, TRANSUNION is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) because three ( 3 ) disclosures were not given to me. The law is as follows : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Before you report my information to a third party TRANSUNION has to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. TRANSUNION did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option. 

And further, TRANSUNION is not obeying Title V of the Gramm-Leach-Bliley Act making them in breach of their own privacy policy which is printed and is as follows : 5. TransUnions credit database We limit access to TransUnions consumer credit database and make it available to only the following : entities with a permissible purpose to receive it, as defined in the Fair Credit Reporting Act ( FCRA ) ; entities with a permitted use under Title V of the Gramm-Leach-Bliley Act ; companies who resell our data as permitted under law ; and companies who process data on our behalf.

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 2023-09-21
Company: LEXISNEXIS
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Not only did LexisNexis violate this, they confessed to me that they did a bad investigation and violated the FCRA by saying the following : LexisNexis does NOT guarantee the accuracy of truthfulness of the information in this report as to the subject of the investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to file a complaint regarding the closure of my credit card account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and XXXX. 

On XX/XX/2023, I received a notification stating that my credit card account with Bank of America had been closed. However, the notification did not provide any clear reason for the closure except the fact that they noticed unsatisfactory performance on personal card. No details of what the issue is and what was the unsatisfactory performance has been provided. The letter from the bank for closing my personal card account states that Irregular authorized user activity which does not provide any insights on what the irregular activity is. The bank at its sole discretion closed all my account without giving any chance of being heard. I called customer service to inquire about the reason, but the representative was unable to provide me with any explanation. 

I have been a loyal customer of Bank of America for many years and have always made timely payments on my credit card. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. 

Furthermore, I can not help but feel that the closure was based on discriminatory and XXXX motives. As an XXXX american, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my credit card account is another instance of such discrimination. 

I request that Bank of America provide me with a clear and valid reason for the closure of my account with sufficient details. Also, what is basis of closure of the account like a policy or document that I signed informing me that I can not have authorised signatory on my account? Additionally, I demand that Bank of America address any discriminatory practices within their organization and take appropriate action to prevent such incidents from happening in the future. 

I hope that this matter will be addressed in a timely and appropriate manner. Thank you for your attention.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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 2022-12-08
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX Account # XXXX, Has violated my rights. 15 U.S.C 1681 section 602 ( A ) states That I have a right to privacy 15 U.S.C 1681 Section 604 ( A ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( C ) ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any 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 1681 s-2 ( 9 ) A person whose primary business is providing medical services, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. I also have provided proof that shows I had auto insurance with a total different company than what XXXX XXXX XXXX reports.

Company response to consumer: Closed with explanation