BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
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:
XXXX : Acct # XXXX, XXXX, XXXX : XXXX XXXX : ending in XXXX XXXX : ending XXXX XXXX XXXX XXXX ENDING IN XXXX In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 1 ). 602 ( A ). XXXX XXXX findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting. 
2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. 

My name is XXXX XXXX all other names must be deleted from my report. Only one address should appear on my report and that is XXXX XXXX XXXX XXXX Florida

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 2023-03-24
Company: American Credit Acceptance, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received anything in paper or mail from this company, It would have been disputed within the 30 days if i had known.. This is not my debt as i did not give permission for any information being sold or bought. Since my information was bought without my authorization this is identity theft..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: LA
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.

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 inructions 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 explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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, 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 2022-10-28
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
FIRST I WANR TO START BY SAYING CFPB HAS CLOSED ALL COMPLAINTS STATING ITS A DUPLICATE AGAINST XXXX XXXX  ... I TOOK A SCREEN SHOT OF THE COMPLAINT WHERW XXXX  SAID XXXX XXXX XXXX ON THE CASE AND XXXX CLOSES IT. XXXX XXXX BEEN RESOLVED COMPLAINT : I currently have a credit card with XXXX XXXX card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint I currently have a credit card with Destiny XXXX  card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX  card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I cashed a check for a friend thinking it was a legitimate check because they had know banking. They had the check made out to my name so that I could deposit it. The depositing of the check took place on XX/XX/XXXX. That very same night following into XX/XX/XXXX the bank notified me via email and I contacted them. They said once the information was verified the check would go through. So I tired to get in contact with my friend and they were acting very suspicious on not giving me any information about the bank or the number of the company of where this check was written out to me. Now today on XX/XX/XXXX the check was reversed onto my account and now my account is negative XXXX dollars. I am in utter despair and I am unsure of what to do. I have contacted my bank and am waiting on a call back but am still unsure of what to do. Another thing the bank never credited that money to my account or made the account available because it was on hold so its not like I ever had access to the money or it was technically even there, so I am unsure on why I am being penalized when how could I have known.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for American Express : >Account ( s ) not paid as agreed.

>Delinquency date too recent or unknown. 
>Amount owed on delinquent accounts. 
>Length of time accounts have been established. 

The information is not only inaccurate, but has no legally-valid basis for consideration in a making a credit approval decision. 

Under 15 U.S. Code 1681, American Express has engaged in adverse action by unlawfully denying me access to a line of credit.

A letter detailing these violations has been mailed to American Express Underwriter on XX/XX/2023 to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: American Collections Enterprise, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in accordance with the fair credit reporting act XXXX account # XXXX, ( American Collections E ) has violated my rights. 15 U.S Constitution 1681 section 602 A states i have the right to privacy. 15 U.S .Constitution 1681 section 604 a section 2. its stating that the consumer reporting agency can not furnish an account without my written instruction.

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 2022-10-28
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
filed a recent complaint against chime financial inc about a dispute I filed with chime. I purchased XXXX love chairs vintage from a merchant on XXXX market on XX/XX/2022 I paid the buyer and was supposed to received my items no later than XX/XX/XXXX when I went to communicate with the merchant they blocked me and the page had been removed. I had to wait for the purchase to settle. I went to chime to file a dispute and was immediately denied within XXXX hours. I then asked for my claims to be rebuttal again chime denied them again chime told me to include information that I may have not submitted to have my claim investigated I then uploaded receipts that shows I paid and a contact between the merchant and myself both signed and dated that states if they buyer doesnt receive the items by XX/XX/2022 that a FULL refund would be given to me. I tried requesting a refund from the merchant and it was denied. I then went back to chime and asked for proof of what they used to investigate my claim and why it was denied so quickly. To my surprise chime never used the receipt or the contact that I uploaded over 5 times for the investigation. Chime again denied my claim and has yet to respond back to me about why my claim is not being properly investigated but instantly denied. I just want a refund I didnt received the items I paid for and it isnt right that chime allows its customers to get scammed and they dont even properly investigate the disputes. Chime doesnt care about its customers and Im so feed up with this issue. Its not right that someone can scam you and block you and chime sides with them even after sending proof. Bellow I attached the documents I sent to chime and what chime actually used in the investigation. Chime DID NOT DO ACTUAL INVESTIGATION on my claim they just denied my claim without reviewing it. As I explained and sent to chime the merchant denied my refund and block me on every site where I can not reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following accounts are being reported on my credit and are incorrect and not accurate. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$75.00}

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 2022-10-28
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2023-04-04
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX 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 2023-01-13
Company: ATG Credit, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ATG Credit contacted me in XX/XX/XXXX trying to collect a medical debt of {$5400.00}. This came as a shock to me and after doing some research, I do not believe this charge is valid. 

Over 4 years ago, in XXXX XXXX XXXX I received a XXXX XXXX while under the care of XXXX XXXX XXXX. XXXX XXXX XXXX was the lab that performed the test. It appears XXXX XXXX XXXX filed for bankruptcy in XX/XX/XXXX. XXXX claims they now own their debts, and that is why this bill has suddenly surfaced. 

I learned of the Fair Debt Collection Practices act and asked for evidence of ATG owning this debt and how their company got assigned the debt. They have not provided that information. I called ATG in XXXX XXXX XXXX to ask about where this debt came from and details of how it changed hands and my questions were met with hostility and eventually I was hung up on. 

When I spoke with my previous health insurance company, XXXX XXXX XXXX, about this claim they had different totals associated with the bill than what ATG is asking for. 

Furthermore, I asked XXXX XXXX office to review the bill that ATG sent and they said it is suspect based on what they know about what insurance usually covers ( for example, the labs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not covered and they are normally covered, even with minimal coding ; while tests for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were applied to my deductible, which is unusual. ) This suggests that this blood test was never properly billed to insurance and is factually incorrect. 

Lastly and perhaps most importantly, since it has been over 4 years since the date of service, I believe this medical charge is outside of the statute of limitations in the state of California.

Company response to consumer: Closed with explanation