BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
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 XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX 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 reporting agency can not furnish a account without my written instructions

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 2022-07-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I, XXXX XXXX, the federally protected consumer, is the Successor in Interest to the Estate of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX whose address is XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl XXXX is a Third party debt collector. XXXX, XXXX, XXXX XXXX XXXX XXXX has used abusive debt collection practices without prior consent of the consumer given directly to the debt collector. A debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer Without prior consent from the consumer given directly to the Third party debt collector Pursuant to 15 USC 1692c. As the consumer, I herby notify XXXX, XXXX, XXXX XXXX XXXX XXXX that I, consumer, wishes the debt collector to cease further communication with the consumer. XXXX, XXXX, XXXX XXXX XXXX XXXX shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated ; to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. XXXX, XXXX, XXXX XXXX XXXX XXXX has violated me by their abusive debt collection practices pursuant to 15 USC 1692d Harassment or abuse, 15 USC 1692e False or misleading representations, and 15 USC 1692F Unfair practices.

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 2020-04-16
Company: National Credit Systems,Inc.
State: TX
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 CHECKED MY CREDIT REPORT AND SAW THAT THIS WAS ON MY REPORT. THIS DEBT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-22
Company: Bread Financial Holdings, Inc.
State: NH
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:
I froze my BJ 's credit card after the BJ 's club membership automatically renewed. This would have been in the beginning of this year, prior to XXXX XXXX. I am not enrolled in paper statements and selected that recurring charges not be allowed on the locked card. I then saw an issue on my credit score and logged into all of my accounts only to see the locked card that is not supposed to be accepting charges, recurring or otherwise, and I see they allowed a charge on XX/XX/XXXX. I started a dispute on XX/XX/XXXX and was told to expect it to take 30 days, since I have called back they have told me it would be 2 months and just today ( XX/XX/XXXX ), I was told it would be up to 3 months. I checked and the card still says locked and to not accept recurring charges. As a result of this fraudulent activity allowed by BJ 's on their credit card, my credit score has been greatly affected and I have lost approximately XXXX points. Another credit card was canceled because of this supposed delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I had my computer taken over by a scammer without my knowledge and through XXXX, money was taken from my account - one time {$500.00} and another time {$490.00} for a total of {$990.00}. I have tried to get it back into my account and have disputed the bank 3 times and they will not refund my money because it was with a third party XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-29
Company: Berlin-Wheeler, Inc. (Kansas)
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:
*There are numerous collections and fraudulent accounts that have been sticking to my credit profile affecting my credit * Debt collection agencies have been harassing me for payment for accounts that were reported as not me * Debt from fraudulent accounts and bills reported on my credit that's also not belonging to me * I have payed numerous credit repair agencies lot 's of money to fix these collections and fraudulently open accounts and no results * There was Payday loan opened up that was not me * delinquent account for also a Vehicle loans or and leases XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX XXXX Date opened : XX/XX/XXXX {$5900.00} Berlin XXXX inc XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a flight for my mother in law and father in law in XXXX of XXXX. These flights were booked for a departure in the end of XX/XX/XXXX. The tickets were paid through Chase XXXX XXXX with no points at all, just full cash. The airlines, XXXX XXXX, changed the timing of the flight which was a problem and prompted me to cancel. The flights were canceled in XX/XX/XXXX. The airlines approved the cancelation minus a {$50.00} non-refundable tax fee. I was fine with this. It has now been four months and I have not received the refund of {$2700.00}. Every time I call Chase XXXXXXXX XXXX  I am told that XXXX has not released the funds. I've been on hold for hours each time. Once I was told that it will be refunded in 48 hours. It has been two weeks and I have still not received the refund. I called today and was back to being told that XXXX has not released the funds. I asked what was being done to press them to refund and was told that Chase is just waiting. They have not been emailing or calling XXXX at all. Four months is a long time to wait for a refund of this large amount and I have no idea when it will ever come if no one acts on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


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 2022-07-28
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 sent another letter to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus correct and update the information being reported on my Credit Report. Previously, I established an investigation of some accounts with erroneous information and after reviewing the Credit Bureaus ' response I perceived that some accounts are still incorrect, with verified status. Related information similar to this is amazingly harmful to my current credit record. Please provide that the particular information is 100 % verifiable and accurate. 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 : XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX Balance Owed : {$0.00} ; 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 2022-09-20
Company: The Savings Group, Inc.
State: AZ
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:
-- Applied via RateGenius.com for an auto loan refinance on XX/XX/2022. Application ID XXXX. 

-- On XX/XX/2022 I received two hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX without my authorization. These two companies are network lenders with Rate Genius. 

-- Per XXXX website & FAQ section, they will NOT allow lenders within their network to check your credit via hard inquiry. They will provide their network lenders with the information obtained via Rate Genius hard inquiry. Network lenders will NOT pull hard inquires. 

-- XX/XX/2022 I received a piece of mail from XXXX XXXX stating my application was denied and clearly lists Rate Genius as the dealer. 

-- Only Rate Genius was authorized to do a hard pull on my credit. One company. These other two inquiries are unathorized and are a violation of my rights under FCRA 604 and violation of my rights to privacy. I now have 3 hard inquiries on my credit. 

-- Monday XX/XX/2022 I reached out to RateGenius and requested copy of any documents authorizing a credit inquiry from myself specifically to *XXXX XXXX XXXX XXXX* and *XXXX XXXX* signed on my behalf so I may verify its validity and Rate Genius will not provide any supporting documentation. 

-- XX/XX/2022 I mailed letters out to XXXX as well for XXXX XXXX XXXX XXXX and XXXX XXXX in attempt to remove these unlawful and unathorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Experian Information Solutions Inc.
State: MI
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 've disputed a XXXX debt with Experian, XXXX, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several calls from a company, stating they were MCM. Which supposedly a debt collector instead scam. They kept asking for my name but I didn't yes or no. Also asked me last XXXX numbers they had was mine. I didn't tell them if those numbers were correct. I told l will have my attorney to file a complaint against them. -- -- -- -- -- -- -- -- End of statement -- -- -- -- -- -- -- -- -- ---

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Suffered a casualty loss to my home due to a hail storm.
Insurance check made payable to me and my mortgage holder ( mortgagee ).
We endorsed check and the mortgagee deposited.
When we submitted bid for repair, mortgagee issued a check payable to contractor and me.
Contractor and I properly endorsed check and deposited Bank declined deposit because of " improper endorsement '' When we initially contacted bank, they indicated a corporate seal is required. In Texas corporations, LLC 's and sole proprietors are not required to have a corporate seal. When we pointed this out the bank told us the check could only be deposited in the contractors account.
The bank upon which the check was drawn indicated this is not true, that they would honor the check Contractor bid was 50 % at start, remainder on completion with the job to start 45 days in the future.
The insurance company will inspect my property upon the completion of the work to ensure the work was completed based on the adjusters appraisal and recommendation.
By denying the deposit of a properly endorsed check the Chase Bank of Texas is denying for no valid reason access to my funds. Furthermore, by their policy they promote contractor fraud by allowing the contractor full access to the funds before any work is undertaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I went to branch to withdraw XXXX. I was greeted and asked how my day was advised that I am going to buy a house and go on vacation. The rep stopped and asked if needed a cashier 's check. Saud no the purchase is being done privately and cash is needed for some down money but majority is for vacation. She asked if knew XXXX or XXXX but did not give last name. I heard XXXX XXXX and said no. Which triggered the rep to call Fraud dept. She never said XXXX XXXXXXXX XXXX  last name which would have solved issue. I was expecting funds from XXXX from tax return not XXXX. I even asked if XXXX was associated with the tax deposit and was told no. So let situation go. I was told the account is blocked for fraud in middle of floor. I stood up and said will be closing my account. XXXX stated they are closing account. I left branch when I got home received call lecturing me in fraud. Now really upset talked to XXXX stated he woul help anyway possible. So on XXXX, I call XXXX and spoke to XXXX. Told my situation and case not fraud. Owners of funds will provide information to prove funds meant for me. Told they would not speak to him. Said would provide ssnto verify or can make a code word. Said not a holder on account so can't do either. Said can he fax tax return to prove they put the account number of sending funds to me. Said can fax but not sure they will do anything with it. Said how can I prove not associated with fraud and avoid a closing of account and report to XXXX XXXX. Didnt know. Said could go to branch. I Said what can they do? Not much because business decision to close account not fraud. So funds will be returned to Irs which were for me to get medications vacation house hold payment and bills since haven't worked in XXXX years due to several health issues including XXXX XXXX and can't open another account because of XXXX XXXX reporting. Want funds returned to me in check form not returned to IRS or state unclaimed property. Need money to live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 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