BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following account has just shown up on my Transunion credit report... XXXX XXXX XXXX not only is this account completely fraudulent and not mine, its also as of 3 days from now not even legally collectable here in the state of California . This is the first I have even heard of this supposed debt four years later! That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 

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

15 U.S.C 1681 section 602 A ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( 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.

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. This month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws which are being violated the reporting of this account are attached below.

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 2022-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX 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 and 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
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: IL
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 under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C. 1681c. ( 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. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX 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 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following accounts XXXX XXXX ( XX/XX/2021 ), and XXXX XXXX ( XX/XX/2021 ) were not authorized by me. I do not recognized these accounts/inquiries, and they are fraudulent.

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 2022-06-07
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have had good relationship with TCF bank when I lived in XXXX, XXXX  I moved XXXX  in XXXX and TCF bank  merged to Huntington Bank. 
I have had IRA CD matured in XX/XX/XXXX. I asked minimum distribution requirements ( RMD ) {$1200.00} many times Huntington bank and notified the new address in XXXX and XXXX. 
They have not sent me MDR yet. I notified XXXX who worked XXXX XXXX Huntington bank, '' I want to close my IRA cd on mature date and transfer to XXXX XXXX broker account in XX/XX/XXXX and get the bonus {$400.00} til XXXX XXXX '' but it seemed to be very difficult because bank asked so many documents. XXXX XXXX of XXXX XXXX couldn't transfer my IRA after matured date. I notified bank not renew CD and Bank send me CD and I will send to XXXX. Huntington Bank asked me to close " send notarized letter to close CD '' and I sent it after they received my mail. asked me " Send copy of ID '' and sent it then asked " notarized ID ''. Why they didn't give me instructions to close the CD after due date. After this, manager corette asked me to fill up the form to close.

They kept asking forms one mail after mail. I lost the chance to get bous {$400.00} because they are holding my CD. 
I heard I don't pay MDR, IRS charge me the penalty, 50 % of {$1200.00} so I requested Huntington Bank. 
They refused it so I complained to attorney general office Illinois. 
The answer was I didn't provide the documents. They didn't see Huntington bank didn't pay MDR for last year and didn't provide instructions how to close for matured CD and kept asking one received then another one. Bank didn't send my IRA CD yet and MDR with penalty. I lost the chance to get Bonus {$400.00} because it passed due date. I want receive my IRA CD, Bonus {$400.00} and penalty of MDR {$600.00}.

I want to report Hunting bank is doing malpractice. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit 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 have submitted this matter last month, but I realized I had more proper transaction history of Chase. And I found out another claim record submitted by the doctor in question toward XXXX. 
Dear sir, I would like you to investigate the following issue regarding my treatment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had made an appointment with this office by phone following the advice of my friend, because of the XXXX XXXX issue. I went to the office on the date on XXXX XXXX XXXX, and probably I met XXXX XXXX XXXX because of the gender, female. I only met one doctor and received some instruction regarding XXXX XXXX XXXX XXXX. I had the regular XXXX  tests twice using two different devises in two separate rooms with assistants. At the record of XXXX, which was used to be our family insurance until this XXXX, I made the visits to two doctors, XXXX XXXX and XXXX XXXX XXXX. I am not sure who was XXXX XXXX, since I only met female doctor, assistants, and office ladies. The records of XXXX say that XXXX XXXX has claimed office visit and charged {$200.00}, even though I met a female doctor. And they say I had these tests ; XXXX XXXX  examination ( {$65.00} ), XXXX  test ( {$63.00} ), and comprehensive XXXX  ( {$130.00} ). And today, I found out this XXXX XXXX refiled and denied the same claim to XXXX. I paid my visit in-person on that day. I enclose the record of Chase transaction with a closed credit card ending XXXX by illegal transactions at several merchants. Later, I received two bills from XXXX XXXX stated on XX/XX/ ; even though the contents of the bills were same. I attach the copy of one of these bills. Since I was at loss and my husband mentioned to pay at that time, I paid by that same closed credit card ending XXXX. I attach the statement of Chase bank with this letter. In short, I paid {$35.00} twice for one visit to one medical office. I insist the payment processed on XX/XX/XXXX is a fraud. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: JNR Adjustment Company, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the mail on XX/XX/XXXX by JNR Adjustment Company Inc a debt collection bill of {$440.00}. The client JNR is representing for this debt is XXXX XXXX XXXX XXXX, of which I have never rented a vehicle nor have done business with before. 

The alleged debt occurred in XXXX of 2021 and this is the first time I am getting notice of it. I have never been contacted otherwise and was given a very short window to respond before they resort to further action. 

They were clearly given my name and address by whoever used my identity for XXXX XXXX, but no payment on any of my financial accounts was used during the transaction. 

I will be contacted them by phone or email today to ensure this debt is not assigned to me going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Information belongs to someone else

Complaint:
This account doesnt belong to me. I have no knowledge of 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had several fruadulent charges on my paypal account. Paypal has not correctly resolved my disputes and are in the act of making me pay for charges that were all unauthorized. I have had to re open XXXX recent disputes due to the charge back from paypal. I believe paypal is purposely taking there time and bullying me into not being able to use my account. The following charges I have investigated myself and are fraudulent and paypal is still investigating the charges. 

XXXX {$38.00} USD Unauthorized transactionXXXX XXXX, XXXX XXXX {$6.00} USD Unauthorized transactionXXXX XXXX XXXX  XXXX {$21.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$6.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$23.00} USD Unauthorized transactionXXXX XXXX, XXXX XXXX {$33.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$25.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$240.00} USD Unauthorized transactionXXXX XXXX XXXX  XXXX {$68.00} USD Unauthorized transactionXXXX XXXXXXXX, XXXX XXXXXXXX {$14.00} USD Unauthorized transactionXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2020, I inquired about a mortgage refinance loan through XXXX XXXX with XXXX, however I did not complete an application. 

On XX/XX/2020, I received a call from a lady asking why I was applying for a loan on her property at XXXX XXXX, XXXX, CA XXXX. I told her I did not and she said she received documents from PennyMac to that effect and the documents included my personal information including SSN and DOB. 

I then emailed XXXX XXXX ' office and was told by XXXX that he would escalate the mistake to PennyMac. 

On XX/XX/2020, I received a Credit Denial letter from PennyMac. 

Both PennyMac and XXXX acted carelessly and irresponsibly with my personal information and should be held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Affirm Holdings, 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:
an account was opened in my name without my consent using my social and personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: MORGAN STANLEY & CO. LLC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with E-trade the beginning of 2022. Since XXXX I have spent over 20XXXX hours on hold trying to get my account unlocked. Soon as they unlock it, it gets locked again. XXXX XXXX was looking into this and supposed to get back to me when resolved, This was back in XXXX. Now he no longer responds to emails etc. I have also sent email to XXXX XXXX and no response. Every time I have to call there is a 3+ hour hold time and then soon as I hang up my account is locked again and it's back to the beginning. I just want to get this closed out as I have never had such bad experience. They denied a check when there was plenty of funds for it to clear and would not pay the {$32.00} fee I was charged by my credit union for the returned check. This is the worst institution I have ever dealt with. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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 ( s ) XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, 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 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 2021-01-17
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
Experian did not investigate. They updated information on the report without proper investigation.

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 2022-09-21
Company: EQUIFAX, INC.
State: FL
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 items 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 items ( A ). It is not permissible to fail to validate these reported items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Since XXXX 2016 XXXX XXXX XXXX reported to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for years.

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 2022-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX 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 and account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX 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 and 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