BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020

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 2023-04-23
Company: ERC
State: NC
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:
Enhanced Recovery Company ( opened XX/XX/XXXX ) {$150.00} XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$550.00} XXXX XXXX ( opened XX/XX/XXXX ) {$630.00} In accordance with the Fair Credit Reporting Act, the companies listed above have violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish an account without written instructions. 15 USC 6801 states the protection of nonpublic information. 
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. 
It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. 
15 USC 1681 ( 1 ) ( a ) ( b ) ( i ) ( 3 ) states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. A consumer may elect to have the consumers name and address excluded from any list provided by the consumer reporting agency under subsection ( c ) ( 1 ) ( b ) in connection with a credit or insurance transaction that is not initiated by the consumer. 
Please be advised that under Federal Statues, the Fair Credit Reporting Act ( 15 USC 1681 et seg ) and my consumer credit statutes and subtitles D of the ARRA, section 13401, Application of Security Provisions, and Penalties to Business Associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health record acquisition of such information without the authorization of the individual you may be held liable. 
Please note that these liabilities are under the penalty rules of the Omnibus Finale Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ) as issued XX/XX/XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the provisions of the ARRA section D, privacy provisions, the penalty rules of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rule were effective XX/XX/XXXX and the Fact Act final rules XX/XX/XXXX, are in effect in this situation. The Privacy Act prohibits a covered entity from using or disclosing an individual 's Protected Health Information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Account information incorrect

Complaint:
This was not sent in error I am a consumer by law and it has come to my attention that Transunion have been reporting my transactions with XXXX XXXX to the consumer report. This is illegal according to 15 U.S. Code 1681a. What happens when someone is late, their charged a late fee which is a transaction. So therefore, if transactions and experiences are not included on my consumer report then XXXX why are you reporting late payments on my consumer 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 2023-02-14
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
During boarding on the flight airport check-in kiosk requested to pay charges for luggage otherwise I would be denied boarding. When complained to airline ( XXXX XXXX XXXX ), the airline confirmed in the official email that the charge was a mistake since the luggage fee was included in the ticket price and my charges should be reimbursed. I tried multiple times to contact the company that made charges during check-in ( XXXX XXXX XXXX ) but received no responses. Chase credit card did not help me to reverse charges and refused to help with the dispute resolution after I faxed all necessary proofs ( letter from airline ) that charges were mistaken and I should not be charged in amount of {$150.00} on XXXX XXXX. So I was charged for a service that I did not receive. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
This company continues to violate my consumer rights over and over again. I have file several complaints and sent multiple disputes and this company continues to ignore my compaint. Then they will send me a scare tacticed letter stating that i am not the person filing the dispute and nothing gets done. I have also file several CFPB complaints and nothing never gets done they will tell u thry need more time but never dispute or remove any inaccurate information. 
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. 

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 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 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, 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently received a tax bill from XXXX XXXX XXXX XXXX for a total of XXXX XXXX My lender- Wells Fargo already has an escrow account setup but looks like they made a mistake and paid taxes to a different property. The XXXX XXXX says that a tax lien will be issued if taxes are not paid and I am at a risk of foreclosure.

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 2023-02-07
Company: EQUIFAX, INC.
State: VA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still have received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX. Transunion. and XXXX have 30 davs to respond to my dispute This a violation of my rights.

Receipt and tracking number from United States Postal Service. 
Tracking number : XXXX Receipt number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While on a cruise in XXXX XXXX, which embarked from XXXX, I purchased a 1 carat marquis diamond  and 18K gold mans ring. The XXXX had to be mounted and I was told to come back in 2 hours. Upon returning to the XXXX XXXX XXXX I was told to wait another hour. I almost missed my ship. Originally the seller wanted XXXX dollars and we bartered to XXXX cash and XXXX on my bank of america credit card. When I asked for a receipt I was told an email would be safer and all info would be on that email. The jeweler gave me a card with his email and phone #. I had no way to check my email until I arrived home 3 days later and there was no email so no receipt etc. I took the ring to a prominent jeweler here in florida and after inspection was told the diamond was fake and the 18K white gold was not gold. I immediately called the credit card and explained to them the above story. They said they would look into it. The claim was denied due to no receipt but I was told if I got an assessment of the ring perhaps that would help. After spending XXXX dollars for a gemologist report and sending the docs I was denied again due to no receipt. Then I was told I needed a gemologist appraisal of exzactly what I bought for the XXXX dollars. I then sent the appraisal, which cost XXXX dollars and the docs to the credit card company and was denied again due to no receipt. I have repeatedly told the credit card co. that the receipt was to be emailed and was never sent and when I tried to email the jeweler there was no such email. When I called the phone # on the card the jeweler gave me, he said he would send the email and he never did. I sent copies of the jewelers card with email and phone # to the credit card co. By the way the ring was sterling silver and the diamond was a zirconia and was assessed by the gemologist to have a value of XXXX dollars. This was all furnished to the credit card co. Ring was purchased on or about XX/XX/2022.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: ME
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:
Today XXXX/XXXX/23 Experian decreased my credit score and can not tell me why. I called and get the run around then put on hold. I would like to know why they are changing my credit report but cant tell me why.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-01-20
Company: Credit Systems International, 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:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: MRS BPO, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A person open a electric account on the state of Texas, the electric company name is XXXX XXXX the dates where between XXXX and XXXX on 2022 they default XXXX dollars that went into my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Convergent Resources, 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: Account information incorrect

Complaint:
I have reached out to Convergent Outsourcing by mail on XX/XX/23 in regards to this debt that was added to my credit report recently. After investigation this debt is for an apartment that I never resided in. I had no idea of this debt and asked for validation and no information or response was provided as of today which is XX/XX/23. This discrepancy should be removed asap as it is not accurate. This is hurting my credit score and should not be reported. Please delete this 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 2023-01-18
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:
I am intrested in disputing all incorrect information on my credit report with transunion.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 accounts 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 accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was closed because of fees

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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. 

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, 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 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.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
They stopped bill pay services in XXXX 2022 and charged major fees associated with small overdrafts when deposits were made same day

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