BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I couldn't view my credit report from TransUnion until XX/XX/2023. I checked my report and I have 4 inquiries that wasn't authorized by me and I don't know where these inquiries came from because I didn't apply for credit with none of these creditors requesting to view my consumer report. The 4 inquiries are 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The orginal debt was sold to a third party without a written and signed consent to do so. The collection agency is XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: AmeriCollect
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company provided services for a medical procedure that they claimed after the fact I owed money that the insurance company did not pay. I did not agree, nor was I aware before receipt of the bill in the mail that this amount was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 2023-07-26
Company: Experian Information Solutions Inc.
State: CA
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:
After a previous dispute investigation, XXXX XXXX found that this account was incomplete/inaccurate and then deleted. However, XXXX XXXX only reported this result to XXXX and not the other consumer reporting agencies violating FCRA that states If the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX  {$1000.00} XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: GA
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 cash advances

Complaint:
I have Chase XXXX XXXX XXXX card for many years. I have used it to pay for XXXX amounts for several years now. I recently noticed that starting in XX/XX/2022, Chase started charging me {$10.00} for every transaction, even for as small as {$1.00}, made through XXXX. When I called Chase supervisor told me that they classified XXXX as money order in XX/XX/2022 and so they charge a cash advance fee every time XXXX is used. When I told her that I never received any notice about this change she told me that there was no need for it because cash advances are covered in original agreement. When I asked how can you change categorization of a product which starts costing money to consumer without informing them, her answer was that they don't have to inform consumer about anything!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX 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.

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 instructions15 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to express my deep concern and frustration regarding the repeated reporting of inaccurate late open accounts on my credit report. Despite my multiple requests for correction, these inaccuracies persist and have a significant adverse impact on my creditworthiness and financial standing. 
Below are the details of the late open accounts that I have previously disputed and continue to be inaccurately reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnce : {$10000.00}. I have attached copies of my previous dispute letters and credit reports from XXXX Credit Bureaus for your reference, which clearly demonstrate the inaccuracies I have been disputing. 

It is crucial to emphasize that I have never been late on these accounts, and the late payments reported are entirely erroneous. I have consistently made my payments on time, and I have provided ample evidence, including bank statements and payment receipts, to support my claims. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to notify me of the results of your investigation. Despite my previous disputes, the inaccuracies persist, and this situation is causing me significant distress and financial harm. 

Therefore, I urgently request that you take immediate action to resolve this matter. I kindly ask that you : XXXX. Conduct an in-depth and comprehensive investigation into the accuracy of the late open accounts on my credit report. 

XXXX. Contact the respective creditors to verify the accuracy of the late payment information. 

XXXX. Correct the information on my credit report to accurately reflect my payment history. 

XXXX. Provide me with a written response outlining the results of your investigation and the corrective actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update my address and name remove all other names & addresses I attached my paystub with the correct spelling of my name along with my address please update my personal information immediately

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 2023-05-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023, I received an email from Wells Fargo stating that my credit card request was approved. I received a follow up email stating that my balance transfer had been approved, from an account that is not mine. 
I forwarded these emails to the email address listed on the wells fargo web page : If you did not respond, forward the suspicious email/text message to reportphish@wellsfargo.com No response! 
On XX/XX/XXXX, I called Wells Fargo and was routed to somone who took all of the information, and confirmed they had opened an investigation and the card would not be activated. They also stated that I would receive a follow up call to collect additional information if needed. The number called was XXXX. 
No response! 
On XX/XX/XXXX, I received a new credit card in the mail, and a letter from Wells Fargo regarding my credit report. I immediately called the number on the card and was told that the card was active and my balance transfer was approved. 
I stated that this is fraud and the card was not requested by me. I was transferred to another person who again asked the same questions as the person I spoke with the previous week. There was no record of my previous call, according to that rep. 
They then asked if I wanted to keep the new card and keep the account open. 
I may have yelled at this point, as I had clearly never wanted the card, and did not request it. They confirmed that the account is inactive and the balance transfer would be denied. 
I have no faith that they can handle this, and assume that they are just creating new accounts for customers without their permission.

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 2021-09-10
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
transworld systems inc. XXXX XXXX XXXX XXXX de. XXXX ( XXXX ) XXXX date assigned XX/XX/2018 has been sending me collection notices in the amount of {$98.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. this company does not have acontract with my signature. also i have not supplied proof under doctrine of estoppel by silence engel vs gravens ( mo ) 281 w 715, 719 i presume that no proof of the alleged debt nor therefore any such debt in facts exist. This account is involved in litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I made an account at XXXX to verify my credit history. A day later, I started receiving marketing messages from Experian. The first offered me an opportunity to boost my credit score with " Experian XXXX '', ostensibly a credit repair product. The second told me to review my " financial profile '', some other Experian product pushed to me without my consent. 

The problem is that when I opened the messages to find an unsubscribe button, there was none. In its place was the following text : " This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. '' The messages I received contained no important information about my account. They were ads for Experian products I don't want. I was able to manually log into Experian and change message preferences, but the lack of unsubscribe button on marketing messages is definitely not legal.

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 2023-05-26
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: Experian Information Solutions Inc.
State: WI
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX ( ACCT # XXXX ), XXXX XXXXXXXX ( ACCT # XXXX ) & ( ACCT # XXXX ), XXXX XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ACCT # XXXX ), XXXX XXXX XXXX XXXX ACCT # XXXX ) and, XXXX XXXX XXXX ACCT # 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 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 explanation
Consumer complaint received 2023-01-03
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2023 I received a letter from XXXX XXXX XXXX XXXX Illinois XXXX XXXX dated XX/XX/2023 regarding a debt that I do not owe. I am requesting in writing for XXXX XXXX XXXX XXXX Illinois XXXX XXXX to provide me with verification of this debt. This has not been done. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 is ONE main letter disputing any inaccuracy on my credit report to please be removed. Thank you.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX is reporting errors and rumors on 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 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
XXXX  company  has let someone open an account in my name twice I contacted them several. times letting them know it was fraud and to close the account asap and they won't close 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