BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Atlanticus Services Corporation
State: OH
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 customer service

Complaint:
I wanted to add card to XXXXXXXX XXXX I called FORTIVA because mobile wallet requires a verification code from FORTIVA approval. I was refused. I was harassed. I was lied to. I have added to my sons phone x XXXX including Aspire same card business. No issues. I have called prior and received a verification code immediately Aspire. Same process from XXXX XXXX  provided a text to call FORTIVA but FORTIVA is only argumentive. I was per FORTIVA to contact XXXX for help and insisted per FORTIVA they would help with adding their card to XXXX XXXX Next day today XXXX I tried to make a payment. I was blocked and forced to call FORTIVA to resolve. A fraud number. No fraud on my account to block. They wanted my ID and a bill to ensure me when they were non professional conduct and sounded foreign as if angry towards American citizens on actions towards them. I have had a card for 1 year and already provided verification documents. I was verified by some customer service but not all verbally verified me for phone support. I mentioned the U.S. government does hold a jurisdiction over bad unethical business practices and got hung up on the 2nd customer service. I made them aware if any fraud it is them. I can not get a verification code from them to approve XXXX XXXX use as I have done x XXXX and being denied any support service to resolve. I rely on this card for use under them and am being treated unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: FL
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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which I recently obtained and noticed that there are several inaccuracies and discrepancies on it. Specifically, I have identified the following negative information that requires your immediate attention and correction : The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX - XXXXXXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

I would appreciate it if you could investigate these issues and make the necessary corrections to my credit report as soon as possible. I am actively working on improving my credit score, and these inaccuracies are hindering my progress. Please let me know once these issues have been addressed and resolved. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: National Enterprise Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX card is using my personal information as a product to sell. They have sold my information without showing a contract with XXXX XXXX, they have also discharged this debt have been fully Credited. Following being credited, XXXX XXXX has sold my personal information to numerous debt buyers like National Enterprise Systems , INC, who are now threatening my life by threatening to re-report old, previously deleted, fully credited accounts as delinquent and late with current payments. Totally deceptive. I believe National Enterprise knows this account has been fully credited and they still purchase unlawful debt. They threaten to take your livelihood which is based on good credit depending on the ignorance of a person with their credit report. These accounts were credited in XXXX, and deleted from my credit report. However, discover continues possess to sell personal information for profit. Enslaving my personal information, enslaving myself, I can not prevent XXXX from selling my information, no matter how much they have fully credited, they seek to be re-credited again and again using the power of a large corporation.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-03-20
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX ( account number : XXXX ), XXXXXXXX XXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), and XXXX XXXX ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX XXXX Included in Bankruptcy {$0.00} U.S. Bankruptcy Court XXXX Bankruptcy {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I purchased two tickets for the XXXX XXXX immersive show from XXXX and was billed {$82.00} on my Capitol One credit card on XX/XX/21. Thereafter, I received an email from XXXX that it was not going to open on time and I could get a credit for the {$82.00} to buy new tickets at a later date. I ordered new tickets for XX/XX/21 but did not get a credit for the {$82.00}. I tried to contact XXXX but it did not refund my money. I then called Capitol One and made a complaint. Capitol One initially credited me the {$82.00} and contracted XXXX. Fever told Capitol One that to credit me the {$82.00} I would have to withdraw my complaint. I said I didnt want to but Capitol One said it could not help and actually charged me twice ( two payments of {$82.00} ). I called Capitol One and was told the double charge was a mistake and they would credit me one payment. I contacted XXXX again and have still not received a refund of the {$82.00}. I do not see why Capitol One will not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I noticed XXXX trying to charge me {$160.00} dollars for a Payment Protection Plan. Upon calling them and having the fee removed, I also learned that they have been charging me this fee since I opened the account in XXXX even though I did not consent to have such fees applied to my account since I was still in college and could not afford much beyond the basic service. I can not access records beyond two years, but so far Discover has charged me {$2600.00} in Payment Protection fees dating back to XX/XX/XXXX. 
Upon further research, I also learned that Discover was ordered by a joint public enforcement action between CFPB and FDIC to reimburse {$200.00} XXXX to more than 3.5 million consumers back on XX/XX/XXXX. After speaking to a customer service representative, she said the best she could do was reimburse me for the past 6 months only. I find this to be a grave insult, and seek to be fully reimbursed for all fees paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: GA
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 was a victim of identity theft 2 years ago. I sent 3 certified letters to Equifax requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: Capio Partners, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
company keeps calling me from different numbers and harassing me after I have repeatedly told them to stop harassing me. I am getting on average at least a daily phone call from them.

Company response to consumer: Closed with non-monetary relief