BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 hope this letter finds you well. I am writing to follow up on my previous correspondence regarding the inaccuracies in my credit report. I have attached conclusive proof that contradicts the information currently reflected in your records. 

The account in question, held with XXXX XXXX, was not charged off in XXXX of XXXX as indicated on my report. I wish to reiterate that the final payment for this account was made in XXXX of XXXX, as is clearly evidenced by the attached documentation. 

It is crucial that this discrepancy be addressed promptly to ensure that my credit report accurately reflects my financial history. This error has the potential to significantly impact my creditworthiness, and I believe it is in the best interest of all parties involved to rectify this situation without further delay. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to correct the information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

I trust that you understand the gravity of this situation and will treat this matter with the urgency it demands. I look forward to your prompt response and a resolution to this issue. 

Thank you for your attention to this matter.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-02-07
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
do not recognize this service was not myself who this service was provided for. my insurance covers all of my medical visits. so this is identity theft. or fraud.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the XXXX Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. TRANSUNION IS ONLY TREATING ME THIS WAY BECAUSE XXXX XXXX IGNORING MY REQUESTS AND DISREGARD FOR CONGRESSIONAL FINDINGS AND THE HNITED STATES CONSTITUTION ITS A XXXXXXXX XXXX AND IF SOMETHING IS NOT XXXX DONE ABOUT THIS IMMEDIATELY EXTREME MEASURES WILL BE TAKEN!

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 2023-11-11
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2020, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being. 

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below from my file XXXX XXXX XXXX : {$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 2023-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery A, says I opened a account with them XX/XX/2023 on my credit report and is reporting its still open with XXXX XXXX XXXX XXXX, I would like for this account to be deleted off my report and i have been getting numerous calls about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 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 explanation
Consumer complaint received 2023-10-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose. 
adequate time was give from XX/XX/XXXX to XX/XX/XXXX when i sent letters ask for details of their investigation. i still have not received any such documents

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

Complaint:
On or around XX/XX/XXXX or XXXX, XXXX, Chase Bank initiated the unilateral closure of my account, a decision met with scant information despite my XXXX pursuit of elucidation. Acknowledging the contentious nature of our past interactions, I concur that terminating our financial association is a prudent decision. 

Engaging in further discourse with the bank 's representatives, documented through recorded conversations, led to the understanding that obtaining a cashier 's check at any branch on Saturday, XX/XX/XXXX, would be a seamless process. However, upon my visit, it became apparent that this resolution hinged on the necessity of closing all active claims, a path I'm reluctant to pursue without compromising my integrity. 

While I'm willing to leave funds available for ongoing investigations, my concern is rooted in the observed trend of extended delays and unresolved financial matters for patrons, raising doubts about the expeditious retrieval of funds, if at all achievable. 

The closure of my Chase Bank account has not only cast a shadow on my personal financial landscape but has also wrought considerable hardships for numerous individuals who, like me, rely on the timely access to their funds. This abrupt disruption has created a ripple effect, causing tangible setbacks in the lives of many. 

The repercussions extend beyond my immediate circumstances, reverberating through the lives of others who are dependent on the funds entangled in this bureaucratic quagmire. The protracted delays and uncertainties surrounding the retrieval of funds have introduced an unwarranted layer of stress and financial instability, affecting not only my well-being but also that of countless others who find themselves ensnared in this disconcerting predicament. 

As we collectively navigate the labyrinthine processes imposed by the bank, the toll on our daily lives becomes increasingly palpable. The detrimental impact transcends the individual, highlighting systemic issues that warrant attention and resolution to alleviate the burden borne not just by myself but by a community of individuals grappling with the ramifications of this unforeseen and unjust closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
from XX/XX/2022 to XX/XX/2022 every month disputes for inaccurate information and incomplete credit information. their responses were not accurate on all 3 major credit agencies. they are in violation of my rights in accordance to 15 U.S. code 1681b not following reasonable procedures to report accurate information in addition to violating 15 u.s. code 1681s-2 responsibility of furnishers of information to consumer reporting agencies,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged an overdraft fee of {$20.00}. My account was never negative. When I made the transfer to my XXXX account on Navy Federal transfer screen at XXXX XXXX EST  said I had {$160.00} and a couple hours after the transfer of {$160.00} it said I had {$7.00}. I was in the positive the whole time on my end until Navy Federal charged me an overdraft fee of {$20.00} which then made my account negative. Later on Navy Federal charged me a fee and thats when my account became negative {$12.00}. If I didnt have the funds available the system on my Navy Federal app on the transfer screen should not have said {$160.00} in black bold numbers at XXXX XXXX right after I made the deposit in the ATM so I went ahead and transferred which left me with {$7.00} positive balance. I should not be charged a fee if what I saw on my end that funds was available even to transfer. The agents that I spoke to and explained all this to them were extremely rude and made me very upset. They did not help me at all they just made things worst. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA
Product: Debt collection
Sub-product: Rental debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Columbia Debt Recovery LLC DBA Genesis Cred has ignored multiple C & D request that have been given verbly and over written email. They continue to perform automated calls and harrasing emails. 

They are attempting to collect the debt on behalf of XXXX XXXX Columbia Debt Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-12-10
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My floor and decor credit card with comenity capital bank has been closed. They are still charging me a minimum interest charge of {$2.00} and late fees. I do not know how they can charge me this when the account is closed. It is also reporting to my credit even though the balance was paid in full and the account closed.

Company response to consumer: Closed with monetary relief