BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through blackweb and datd breach from XXXX. 
All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TekCollect Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called on XXXX and spoke with a representative on the phone. I was unsure of who the company was that they were collecting the debt for. I discovered it was for a medical debt. The debt is for a bill {$480.00}. The collection I was sent added in their interest charge of {$12.00} making the medical debt now {$500.00}, please note that this interest is not from the medical provider. This debt was not an interest-bearing debt before this company took this debt to collect on it. Also, the state of Missouri does not charge interest on medical debt unless a prior agreement is made and signed off on. Also, the representative on the phone stated that since the company has taken on the debt, it is their interest that they will be charging for handling this debt, which I have not signed nor agreed to. my only option to avoid paying interest or garnering further incurring interest would be to pay this debt in full with the original provider or to pay their {$500.00} in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am Filing an Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. 

I Am Also now opting out of ANY and ALL authorization I the consumer may have given you written, no-written, verbal and non-verbal per 15 USC 6802. Im Rescinding that authorization per 15 USC 6802. According To 12 CFR 1016.7 states that a Consumer may exercise the right to OPT OUT at any time. This is effective immediately and indefinitely. 

According to Fair Credit Reporting Act, 15 U.S. Code 1681 - Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system Attached to this CFPB Complaint, I have attached Proof Copy of Inaccurate Findings On My Credit Report. I Have Circled In Red all Inaccuracies On Credit Reports With XXXX, TransUnion & 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 2023-11-10
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This bank has extended several lines of credit to me as a primary or authorized user that was subsequently lowered or revoked in a short amount of time. While this is an allowable practice, I believe this bank abuses the privilege. This practice of Synchrony Bank is akin to predatory lending : it falsely creates a sense of predictable security of economic leverage and, despite good faith practices on the part of the consumer with limited means, closes the account with notice after the fact, damaging the credit rating for no other reason but risk management. This has sent us into a scramble with our household budget. I daresay if this practice were directed to my mother by XXXX XXXX in the XXXX I would not have the education today to write this complaint. Consider the following facts : Note that no late payments were made to any of these credit cards. Belk XXXX XXXX extended XX/XX/XXXX at {$800.00}. Limit reduced to {$370.00} on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$500.00}. Limit reduced to {$250.00} on XX/XX/XXXX, and account closed on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$200.00}. Account closed on XX/XX/XXXX. I am curious how many other families have been injured by this practice. Please 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 explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion, XXXX, XXXX & XXXX XXXX have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
According to the FCRA my federally protected rights have been violated XXXXXXXX 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 Unauthorized No permissible purpose 15 U.S. Code 1681b - Permissible Invasion to my right to privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting 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:
Unauthorized inquiry from XXXX XXXX - XX/XX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After recently reporting several inquiries that are unauthorized and fraudulent they're still showing on my Transunion report. I've mailed in my disputes with no progress on removing the hard inquiry from XXXX XXXX and in accordance with FCRA this inquiry must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks 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

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either wayXXXX 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

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 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a medical issue which incapacitated me for 4 months. During that time, I let my account get overdrawn a couple of times because of auto bills, as I wasn't able to catch them in time in the state I was in. The first overdrafts were paid off, but I was unable to pay the second at the time. The bank ( XXXX XXXX  ) had been working with me, but I suddenly received a notice in the mail that I had 1 day to pay off the balance or the account would close, and was unable to in that time. It took me a bit to get re-employed after the medical issue, and I was attempting to open a new account to deposit my paychecks, when I was denied by XXXX separate banks from opening an account. The XXXX said I would be notified within 10 days why I was denied, but I have not received anything from them. A bank XXXX at the second told me that he was not allowed to open an account because there was a problem with XXXX, though he wasn't allowed to even look at any details of the issue. I created an account with XXXX, but the report that I requested wasn't able to be delivered electronically, and said they would send out a paper copy in XXXX business days. I had to do some digging to find the initial problem at XXXX XXXX, as I had not received any information from them after the account closure that my account would be sent to XXXX, and I had never received anything from XXXX until trying to open the new bank account. I was planning on paying the overdraft debt ( with money from my paycheck which now could not be deposited at almost any bank or credit union ), but upon doing research found that I could still be denied a new account at most banks for 5 years even if it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TRANSUNION & XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT be corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN accordance with the fair credit reporting act... The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681.. 
Account Name ... ... XXXX XXXX  ... .. Account # XXXX Account Name ... XXXX XXXX ... Account # XXXX XXXX ... Account Name... .. XXXX XXXX XXXXXXXX ... ... Account # XXXX 
15 U.s.c 1681 section 602A. 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 an account without my written instructions ... 15 u.s.c 1681 c. ( 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 1681 S-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..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX. 
XXXX  XXXX XXXX Charge off balance of {$570.00} Date XXXX. 
XXXX XXXX XXXX Reporting Charge off balance {$0.00} 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