BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 federally protected consumer rights to privacy and confidentiality USC 1681. 
XXXX XXXX # XXXX XXXX XXXXt # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DIFFERENT SOCIAL SECURITY # SSN : XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-24
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX  # XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX 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 reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Google Compare Credit Cards Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I brought 2 Google cards and neither one is working.. Needs further information from me but it's a gift card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Wednesday XX/XX/19 Bank of America randomly closed my acct and it said was due to " counterfeit '' I am a XXXX which my acct shows transactions made from XXXX. A customer wrote me a check for an order and it came back as counterfeit. I was never told I didn't even know what had come of the check I just knew it wasn't approved. 1 month later they closed my acct with no prior knowledge and are now holding my funds until the internal dept approves my withdrawal. I need my money for bills and detrimental medications. They are also very rude!

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 2023-08-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Early warning systems and Chex systems saying that I have a Bank XXXX XXXX account and a XXXX XXXX account that is on my banking history that is stopping me from opening up any personal accounts creating hard ship in my life. I was sending out letters but they do not respond back! They are not following the right procedures. I sent in different letters and contacts the financial institution. Bank XXXX XXXX said they do not have any accounts on me! XXXX XXXX do not have any account information for me as well! 15 U.S. Code & 1692g - validation of debts. Within five days after the initial communication with consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the debt.

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 2022-10-22
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX our credit card with TDbank was fraudulently charged I reported the charges immediately and was not updated at all even though I continued to call every 2 weeks, they continually said claim still open no updates. Finally In XXXX they told me charges matched spending pattern, even though 3 of the five charges were with XXXX I had never done business with. I asked for them to reopen/reconsider, they said they would annotate this request. I continued to call every 2 weeks for update, finally in XXXX they had an update that the disputed charge had passed the 60 day period so XXXX would not allow them to reopen the dispute. In short, I was charged in 5 charges in XXXX, reported immediately, and never got the money back because of an incorrect determination that it was not fraud. I am now told there is nothing else I can do so I am trying this for help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX XXXX : {$420.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$180.00}

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 2023-08-08
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
NO KNOWLEDGE of this account never reciecve notice or gave this account to report this on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please let this notice serve as a formal dispute under FDCPA and FCRA. I do not recognize the company pursuing this debt nor the doctor that ordered it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
I submitted documentation of federal protections for severe human trafficking victims. I was told I needed more supporting documentation. As a US citizen, I am entitled to protections.

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 2022-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My accounts with Bank of America were closed in 2020 because a fraudulent check was deposited in my account. The bank marked my account as a risk. They decided to close the but they did not give me the funds back. I tried to contact them and they stated that I have to wait until they get a decision because the court decided to put a hold. It has been more than 2 years and they still have my funds. I have called Bank of America numerous times and I went to the branch and I have no received my fund yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: NM
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:
In the past 2 months, I have contacted Experian regarding the inaccuracy of my credit report and scores being reflected through my Experian XXXX XXXX membership. In the beginning, I was getting alerts on a regular basis regarding score changes due to changing balances and credit limit increases, now Im getting absolutely nothing although I pay {$21.00} per month for an inaccurate and outdated score and dont reap any of the benefits of the membership like Experian boost perks. The only benefit is I can conveniently lock and unlock my credit and on a monthly basis get a XXXX XXXX from XXXX and XXXX that go up according to lower balances and higher credit limits, but Experian has kept my score stagnant for the last two months, no longer sends me alerts although there are credit changes to my report that effect my score in a positive manner, and doesnt keep the information in my report accurate and updated. In addition, customer service is awful, especially when trying to reach a live agent. On each occasion, it takes a number of attempts to reach a live agent and when you finally do get through the agents dont have answers or solutions to your questions and problems and intentionally disconnect you! Consequently, I was hung up on today as soon as I expressed my concerns!

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 received two inquires from XXXX XXXX XXXX without my permission and i would like it deleted immediately. attached is my FTC report and a letter from credit one explaining there need to remove these inquires thats impacting 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
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: AL
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 put a charge on my credit card that was paid off and in good standing. I have never missed a payment on this card. I check my credit often and noticed I had a XXXX late payment on this particular credit card. I called my credit card comp. They said it was a {$32.00} charge from XXXX XXXX. I called XXXX XXXX several times. Told I would get a call back from Supervisor. I never did. I called back and was placed on hold for a long time waiting for a Supervisor. As of now, I have yet to speak with a Supervisor. XXXX XXXX said it was for XXXX XXXX XXXX. That I cancelled almost a year ago. I never gave XXXX XXXX permission to charge my credit card. Now I have a 90 day late on my credit report. I never gave XXXX XXXX permission to charge my credit card and now my credit is ruined over a {$32.00} charge I did not authorize. No one is willing to help me resolve this issue. After I have tried so hard to keep my credit in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
i asked about disputing hard pull inquiries on my credit report. so far this complaint that led me here was recommended by transunion they asked me to write a letter to transunion send a copy of my social security card, and my drivers license, and to file a commplaint or report to ftc wich brought me here and to along with copy of this report and mail in along with the letter and the copys that were asked of me to be able to remove the hard enquieries. the hard inquieries in question are : 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 XXXXXXXX these are reported under transunion. these are inquiries that im sure i didnt give permission for and would like removed please

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 2022-10-23
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Milestone credit card statement was sent to me and charge me. I did not apply for this. 
I don't know how to dispute this and erase it from from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Medical-Commercial Audit Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Friday XX/XX/XXXX I received an email, I am attaching it to this complaint. In the email there was an amount stated that I owed {$91.00}. When I called to inquire abut the debt. The person I spoke with first told be that {$91.00} was the total owed. When I started inquiring about the breakdown of the bill I was then told that they have my dispute on file from XXXX for one amount. Then told me that the other amount they could not talk to me about it because I needed to talk to the medical office. Which brings up two issues- if they can not talk to me about this debt, and it's not yet in their office why are they trying to collect? Second for the amount outstanding since XXXX THIS is in dispute. This company is refusing to follow the Fair Debt Collection Act by complying with my repeated requests to provide proof of the debt. I have been told " we can't provide that ''. I have and still maintain that this is not my debt. 

My complaint is two fold : First, back in XXXX I disputed the first debt. By this company 's own admiisson they have my dispute, yet they have for XXXX years refused to provide any proof of me owing this debt. I assert now, like I asserted then that this is not my debt. Second, the new debt- I acknowledge that I was seen, but this is a workman comp bill and according to XXXX  XXXX this bill was never even submitted to them to be paid. Further when I called to speak with someone I was yelled at and then she hung up the phone after stating that they don't even have the debt in their office. If the debt is not in their office, why are they fradulently trying to collect? When I called immediatly back, no one would answer my calls. I aslo left several vocie messages and no one returned the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, 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:
ccount XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check worth {$1500.00} from XXXX of XXXX to my savings account, at Bank of America. My account history shows the deposit was posted BofA then adjusted the deposit and removed the entire amount from my account, WITHOUT ANY NOTIFICATION OR EXPLANATION. 
I called BofA to find out why this was done, and was told that it was never deposited. Complete lies on their part This is completely unacceptable.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have reviewed my consumer reports and noticed that I had several late payments on two accounts that I have never been late paying. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with COMPLETE MAXIMUM ACCURACY. I have never been late on payments for the following accounts : XXXX XXXX - XXXX and XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments inaccuracies be updated to PAID AS AGREED/NEVER LATE as they should be as I was never late. I 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-10-23
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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