BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called trans-union because i received an alert saying my score went down by 51 points, according to XXXX XXXX it says nothing has changed on my report. I called trans-union and they claim the score is XXXX XXXX when i asked for my true score with trans-union they refuse to give it to me unless i pay, when i asked for a copy of my credit file they said they were unable to give me the report because i filed a dispute. the disputed account has already been removed from all my other bureaus except for them they keep coming back saying its correct when all the other companies agreed its not and the creditor agreed to remove it from my account. 

so basically they lowered my score 51 points for no documented reason, refuse to go over my credit score and refused to provide me with a report to explain why they lowered my score. they're baiscally acting like a mafia holding my credit report hostage while they make unfounded and undocumented changes I feel like i'm being blackmailed into paying for my own information, this should not be allowed it's my information!!!!

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 2023-10-30
Company: EQUIFAX, INC.
State: MI
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:
delete community financial cu in accordance with the Fair Credit Reporting act 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 ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: In progress
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ) and ( XXXX XXXX XXXX XXXX Account # XXXX ) have 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

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 2022-11-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I submitted a complaint on XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by XXXX XXXX while experian is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. XXXX XXXX  provided a letter stating that XXXX XXXX  did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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: 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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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.

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 2022-12-03
Company: EQUIFAX, INC.
State: NY
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 Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ) and ( XXXX XXXX XXXX XXXX Account # XXXX ) have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 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 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 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX the following accounts, has violated my rights and inquiries were not made on my behalf. 

Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
VIOLATION OF 15 USC 1681s-2 section 623 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. 

1.A. Reporting information with actual knowledge of errors. Balance, payment history, Actual amout of payments, first date of delinquency. 
XXXX, Reporting information ofter notice and confirmation of errors. Direct dispute and notification by me notifying of erreors, XXXX confirmation receipt XXXX, XXXX, XXXX D.Reasonable cause to believe information is inaccurate. Attached XXXX XXXX own payment history and statement of balance owed along with copy of experian and XXXX reports to demononstrate inaccurate reporting 2. A.Duty to correct and update information. With each dispute and direct notification XXXX XXXX continues to cerify information reporting correctly with evidence that is was not. 
3. Duty to provide noticeof dispute. XXXX XXXX reports previously in dispute resolved by furnisher. Dispute has never been resolved I have included their own financial history submittwed to the cfpb

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 2022-05-24
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received a letter from my employer stating that Nelson & Kennard ( XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX, CA XXXX ) had received a judgement against me ( for a debt from XXXX XXXX XXXX, XXXX back on XX/XX/XXXX ) and that my wages are now being garnished for {$12.00}, XXXX beginning XX/XX/XXXX. 
Please note that I never received a summons to appear in court regarding this matter, nor did I receive any communication regarding this Superior Court of CA XXXX XXXX XXXX XXXX XXXX XXXX Case Number XXXX. 
I contacted XXXX in XX/XX/XXXX, because I was disputing their debt amount appearing on my credit file. They wrote back to me ( in XX/XX/XXXX ) stating that they could not identify my account based upon my name and credit information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had my CapitalOne card for about 17 years and my husband has been an Authorized User for about 7 years. The Credit Limit on the card is {$21000.00} but on XX/XX/XXXX my husband used his card to make a purchase for {$26000.00}, bringing the total on the card to {$29000.00}. I am the XXXX XXXX and thereby responsible for paying any charges incurred on my card and my husband 's card. CapitalOne did not require me to approve the charge in advance and only notified me AFTER they approved the charge that far exceeded the limit on the card. 
The CapitalOne website states that Authorized Users are not allowed to " Change the credit line '' which I have come to believe is deceptive language. Over the course of the next month, I made several calls to CapitalOne asserting that they should not have allowed the charge to go through without my authorization because my husband does not have the authority to change the credit limit. They stated that being " over limit '' transactions were allowed on our cards, they did nothing wrong. My position is that a cardholder would assume small over limit charges would be allowed for unexpected situations but that no reasonable person would expect CapitalOne to allow a charge that put the card over limit by almost {$9000.00}. I have asked CapitalOne what the upper limit of my card is, if not {$21000.00}, and they replied that they can't answer that question. My only option to avoid incurring huge interest costs was to take money out of savings to pay the credit card balance. 
I believe the language in CapitalOne 's Access Levels document is deceptive, that their management of credit limits is disingenuous to increase their profits and that they do not sufficiently protect the XXXX XXXX who is responsible for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: SC
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 fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX Original creditor : Balance details XXXX % of this account is paid off Balance on XX/XX/XXXX {$180.00} Original balance {$180.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX  Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct?

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 2022-07-11
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My husband and I opened an account at Wells Fargo in XXXX XXXX XXXX this past winter while we were staying there ( XX/XX/XXXX thru XX/XX/XXXX ). My husband passed away XX/XX/XXXX. I have tried calling the branch and their Estate Department for the past XXXX days and no one ever answers the phone. Unfortunately, we live in Ohio and I do not have the account number and, therefore, can not get through to a person. I want to close the account and have been holding on the phone for hours!

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 2023-11-01
Company: ACI Worldwide, Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XXXX XX/XX/2023, I attempted to use Official Payments/ ACI Paymetns , Inc. to pay my state taxes by credit card. I could not log into my accounts ( nothing happened/site did not respond ) so I continued to check out as a guest. After filling out all the form fields, entering my payment info, and hitting submit I received an Access Denied error. 

Access Denied You don't have permission to access XXXX XXXX XXXX XXXX XXXX' on this server. 
Reference XXXX XXXXXXXX Access Denied You don't have permission to access XXXX XXXX XXXX XXXX XXXX' on this server. 
Reference # XXXX XXXX XXXX XXXX I tried accessing the sites again in XXXX mode using XXXX, XXXX, and XXXX. I even tried again today. I still can not access the websites. 

I called the customer service number at XXXX and could never reach a human for assistance. 

I emailed customer support at XXXX and have yet to receive a response beyond an automated copy/paste response. 

I can't believe this compay is supposed to be a payment processor for federal and state taxes! Completely unprofessional and untrustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-04-23
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Attempted to contact family members several times. Successfully contacted a family member XX/XX/18 and told them the amount of debt owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, 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:
1. I have been attempting to clean-up my credit since XX/XX/2022. I have sent letters to all three credit reporting agencies in an effort to have numerous Inquiries removed from my credit. I have not tried to obtain credit, accept pre-approved credit cards to help build my credit. No one had my signed approval to obtain my credit file. 
XXXX. I also hired XXXX XXXX XXXX to assist with the incorrect open collections on my account. They have been successful but there are still collections that are incorrect. There are medical open collections on my account. I have always had insurance. These are not my accounts. I have had surgeries to replace hips. I had insurance and would have paid. 
XXXX, Now almost 15 months have transpired, and my credit report has not improved. I find two more collections on my report. I personally wrote this company and requested copies of documents or invoices with my signature to prove validity. They never provided such and put it on my credit report. I am sending my 2nd correspondence to these agencies. I need help. I am XXXX XXXX XXXX this XXXX and the credit bureaus are hurting me financially for no reason. I am very careful to have no negative remarks under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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:
FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation