BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: AR
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:
Within the FCRA, I have compiled a list that these accounts go against. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States that a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( A ) ( 5 ) This section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other 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.

These inaccuracies are stopping me from getting a new car or even applying for a mortgage for my family.

Thank you in advance!

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting 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. 


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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting 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 non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
my account has been restricted for almost 2 years and I don't know why i wish that account be closed

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I demand that my privacy is respected. Refrain from sharing any personally identifiable information ( PII ), non-public information ( NPI ), private information, or financial information about me with any third party without my prior written consent. All assumed consent is hereby rejected and i wish for all accounts and reports to be disclosed to me before being reported as required by law. 

This includes, but is not limited to, my name, address, phone number, email address, Social Security number, date of birth, driver 's license number, passport number, financial account numbers, credit history, medical information, and any other information that could be used to identify me. I also demand the following accounts be removed. 

1.All accounts in connection with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am aware of the following laws that protect my privacy : The Gramm-Leach-Bliley Act ( GLBA ) prohibits financial institutions from sharing customer information without their consent. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from sharing consumer credit reports without their consent. 

The Health Insurance Portability and Accountability Act ( HIPAA ) prohibits healthcare providers from sharing patient information without their consent.

The Privacy Act of 1974 prohibits government agencies from sharing personal information about individuals without their consent. 

I am also aware of the following state laws that protect my privacy : XXXX XXXX XXXX requires businesses to notify individuals of unauthorized acquisitions of personal information. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you violate my privacy by sharing any of my PII, XXXX, private information, or financial information with any third party without my prior written consent, I will take legal action against you. no where in this letter is a request for validation or verification. This is a legal notice letting Transunion XXXX and XXXX know that they are in violation of the law and my rights to privacy. Wisconsin does have private right of action for this and it will be costly and will involve concurrent jurisdiction. This will make Credit reporting agencies extremely liable and shall be costly. I will also be filing with the SEC, IRS, FTC and attorney general if my rights are not respected. This is in no way a request for verification. I am demanding the listed accounts be removed from my consumer report. these accounts are violations of multiple state and federal laws and credit reporting agencies are in violation of ITADA and are aiding in identity theft and violating the FCRA. this is a notice to cure.

Thank you for your attention, be blessed.

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 2023-07-15
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime Mobile Banking app provides a service in which their customers may get their pay two days early. While this of course is a privilege and not a right, it is my right to have my money deposited into my account by the end of payday. This has not happened, it is the weekend and no banks send out direct deposits over the weekend so I have to wait until Monday and theres no guarantee that it will even be here by then. I have bills to pay, mouths to feed, we all do, and Chime Mobile Bank is running a scam. They are not being honest and consistently give customers the runaround when they are contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Rocket Mortgage, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
REQUEST TO CEASE AND DESIST ALL THEFT BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KY XXXX Dear XXXX XXXX XXXX XXXX : We regret to inform you that your employment with XXXX XXXX  XXXX XXXX XXXX is being terminated, effective XX/XX/XXXX. 

You are being terminated for violation not limited to reasons of Perjury, Slander, Harassment, Insults, Briberies, Theft, Commercial Espionage, and Poor Performance. You Freely Entered Into A Signed Written Contract Between XXXX XXXX  XXXX And The Title Coordinator Regarding A Non-Compete Agreement On XX/XX/XXXX, At The Time You Accepted Employment With The Department of Labor This Agreement Stipulated That You Not Solicit For A Period Of 1 Year Independently Or Through A Competitor Of Minority/Woman- Owned Businesses Enterprises Within The 50 States Of America. More Specifically, Your Non Disclosure Agreement States That You Will Refrain From Any Direct Or Indirect Perjury/Slander to obtain Contact With Current Employers, Vendors, Consumers Or Any Other Individual Entity Maintaining A Contractual Relationship With International Business Management That Develops, Manufactures, Markets, Distributes And/or Sells Any Products/services Provided By Or For XXXX  XXXX XXXX. It Has Come To My Attention That You Are Now Working With A Competitor Of The Defendant And Have Been Soliciting Stolen Goods/Services From Consumers And/or Business Corporate Owners Of The Respondent ( s ). As You Are Aware, Soliciting Stolen Goods Or Services Of The Respondent ( s ) by way of perjury, grand theft, survivor fraud Is A State Felon Offense And A Direct Violation Of Employment You Agreed On XX/XX/XXXX, Thus You Are Interfering With The Arrangements Established Between The Surviving Defendant ( s ) And Its Customers Market and Commercial Affiliations. In Addition, Your Current Employer, XXXX XXXX XXXX, Is Also Interfering With The Agreements Set Forth And Established By The Department of Labor. You Are Hereby Requested To Cease And Desist Any Further Solicitation Of Currency of Employer by Aggravated Theft of Wage Details, Employment Fraud, Power of Attorney, Social Security Fraud, Bank Fraud, Securities Fraud, Applicants, Employees, Vendors, Customers Or Any Other Individual Entity Maintaining A Safe Working Relationship With Public Works. Failure To Comply Will Result In The Obtainment Of A Writ of Execution Order In District Court Against Both Villas At XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX - XX/XX/XXXX XXXX remove XXXX XXXX charge off from my account. Account number XXXX XXXXXXXX. XXXX XXXX and Experian Bureaus are continuing to report the above Account. According to the Fair Credit Reporting Act the three Bureaus must report accurate information. XXXX XXXX and Experian are in violation of 15USC1681b. This accountwas removed from XXXX as of XX/XX/XXXX - XX/XX/XXXX, it was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my credit report being accurate and verifiable. XXXX XXXX and Experian fail to remove the Information even thought they have fail to verify the account and notify in 5 days as reported from the FCRA. I am confused why XXXX XXXX and Experian are still reporting this accountand they have access to the same Information that XXXX do? Please provide me proof that this account has been properly verified or remove immediately from credit report. Please provide me with the name of the person that verified the account, when it was verified and what tactics was used to verify the account.

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 2024-01-10
Company: ALLY FINANCIAL INC.
State: AZ
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:
This is in relation to Complaint # XXXX. REFER TO ALL INACCURACIES IN ATTACHMENTS ( Date of last activity, date of report, date opened, closed date ; simply one inaccuracy is grounds for violations ) and includes the following:15 USC 1681 - ACCURACY AND FAIRNESS - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to a consumers right to privacy. 15 USC 1681b - PERMISSIBLE PURPOSES - XXXX  did not obtain my permission to provide any adverse information on my consumer reports, through any of the platforms they intended to, including but not limited to XXXX, XXXX, or XXXX. I never intended to give express permission for them to do so, and if there were any permissions I unintentionally authorized pertaining to adding any information on my credit report that damages my reputation, past, present, or future, I unequivocally revoke and deny any such actions or practices. In Re P.L. 90-321 ( 82 Stat. 146 ) backs this code. 15 USC 1681s-2 ( A ) ( 1 ) - REASONABLE CAUSE TO BELIEVE INFO IS INACCURATE - states 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. Through the preceding complaints provided and the evidence shown, ALLY is under responsibility to ensure accuracy to their claims. Whoever is reporting this on their reporting side must consider the fullness of the status as provided. Reference XXXX of Executive Customer Relations XXXX ext XXXX. PRIVACY ACT OF 1974 ( 5 USC 552a ) Conditions of Disclosure - No agency shall disclose any record which is in a system of records except pursuant to a written request or with a prior written consent of the individual to whom the record pertains unless disclosure of the record would be in accordance with 31 USC 3711 ( e ) UNLESS the disclosures are to collect a claim of Government by way of Internal Revenue Code, or a head of agency has established procedures to get satisfactory assurances from each CRA that the agency is COMPLYING WITH ALL LAWS OF THE US they are in violation of the Privacy Act of 1974.

Because ALLY and myself are currently in disputes over the following commercial relationship, they have XXXX right to report any adverse claims which are yet unsubstantiated and are therefore defamatory and damaging and without consent. Their claims under negligence and denial of their own responsibilities to provide full disclosure as shown through recent complaints are violations of " Permissible purposes '' 15 USC 1681a " Regulation P '' 12 CFR 1016.1 and Privacy Act 5 USC 552a and therefore are willfully noncompliant 15 USC 1681n.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I paid this account off on XX/XX/2023. I checked my credit report a week or so after, and noticed that it was reporting that I owed over {$2000.00}, which was several months out of date, and it was being reported as 60 days late. I assumed a dispute would allow me have this updated quickly. I disputed this account with each of the credit bureaus and each one said the account was verified. They changed the amount owed to just over {$1600.00} and the status of this paid off account was still being reported as 60 days late as of XX/XX/2023. I called the creditor to get them to update the bureaus. They said they had not received any request for an update. It has now been over 45 days since I paid this account off, I have disputed more than once in an attempt to have it updated but it is still reporting this account as 60 days late with a balance owed. This has affected my XXXX XXXX, and my ability to obtain new auto financing. I need this corrected immediately.

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 2024-01-08
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: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof can '? be provided l demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is constantly being used to get a credit card from XXXX on XXXX/XXXX/XXXX  XX/XX/2023. I called the company and Im not getting anywhere and someone keeps applying in my name and it keeps hitting my hard inquiries. Im requesting a full investigation into who keeps trying to get a credit card and also the company for not complieing with my request to put a block on any credit card the company supplies at the the moment and I even offered to give them a password only I could use in applying for their services. This has happened twice in the last week and Im asking for resolution asap.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
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:
There is no Signed Legal contract between myself and the XXXX has falsely added this information to my credit reports. There are no Signed contract between myself and them. Therefore these false information should be removed from my credit reports immediately

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have tried for the past 2 weeks to unfreeze my credit report and have not been successful. I am submitting this complaint through the cfpb for help in resolving this problem with the credit reporting agency TRANSUNION. They say I need to prove my identity because they cant verify it. To rectify this identity theft issue I have attached all my identification documents that identify myself, along with a request to unfreeze my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief