BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance to the Fair Credit Reporting act, the following creditors have violated my rights. 

XXXX. XXXX XXXX XXXX/ {$510.00} XXXX. XXXX XXXX XXXX XXXX # XXXX/ {$630.00} XXXX. XXXX XXXX XXXX # XXXX/ {$940.00} XXXX. XXXX XXXX XXXX # XXXX/ {$990.00} XXXX. XXXX XXXX # XXXX / {$900.00} 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 2023-11-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in XXXX but is still showing up in XXXX and Equifax. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: PR
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:
Try to dispute 3 accounts thats have been settlement and the company have not interest in these accounts. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts still affecting my credit report and credit score. Im a XXXX veteran that wants to by his first home and this accounts are restricted me from doing it. I have try to get them remove from Expirian, XXXX and XXXX XXXX with no results. I did send them letters wrote down and they didnt do anything.

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 2023-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/17 XXXX XXXX - XX/XX/17 NQUIRIES NOT RECOGNIZED XXXX XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX XXXX XXXX the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in XXXX are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe XXXX result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-09-24
Company: Bread Financial Holdings, Inc.
State: CT
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:
On XX/XX/2020 I received a bill from Comenity Capital BankXXXX XXXX  credit card. Showing an opened credit card for credit limit of {$1500.00} and balance owed of {$1300.00}. I never opened this account nor did I purchase or receive any merchandise from XXXX stores. 
XX/XX/2020 Case # XXXX. I submitted a dispute through my XXXX credit report. I do not know how anyone can open an account with my name. I tried to find a contact number to reach the bank but none was found. I do not even have the complete card number to even talk with the bank. Therefore they want me to provide my social security number and I refused to give it out since this account is fraudulent. 
On XXXX/XXXX/3020 XXXX credit reported that my dispute was closed and complete. They stated that the information was accurate. 
Im unemployed and my husband is a retired XXXX and receiveds XXXX  XXXX  XXXX  income. We live on a fixed income. I do not know how this account was opened and I certainly never purchased {$1300.00} worth of merchandise. I can not afford to pay this bill since it is not mine. I do not know what else to do. I do not want my excellent credit rating to be effected by this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: AFNI INC.
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a XXXX  month CD for {$230000.00} at Citizens Bank, XXXX, MA that had a mature date of XXXX XXXX, XXXX. On XX/XX/2023 I called the bank and spoke to a woman called XXXX who told me that the only penalty would be for {$78.00} because I was a senior citizen. 
On XXXX XXXX, XXXX I went to the bank at XXXX XXXX and tried to withdraw the money because I needed it for a closing. I was told the computer was off line and they could not help me. 

On XX/XX/2023 I returned to the bank to withdraw my funds and was told that a fraud alert had been placed on my CD but no one knew why. I waited for an hour while their employee XXXX XXXX participated in various computer chats with various employees off site to resolve the issue. 
Nothing was happening and it was now almost XXXX and I was sitting watching XXXX XXXX on his computer. I asked to speak to the manager, XXXX XXXX who was not helpful and offered lip service as to why I could not access my funds. I finally left. 
Finally, at XXXX I received a phone call telling me that my check was ready. I picked it up and it was for some {$3100.00} less that my statement. I asked XXXX XXXX to explain the variance and he said they were charging penalties on the CD. I had told him what XXXX had told me and he said she was wrong. I asked him for a listing of the penalties so I could refute them and he gave me that. I was told by their employee that penalties would not be assessed. I was not given the opportunity to refuse to pay the penalties until I went to pick up my check. I was not given a list of the penalties until I asked for it. 
These employees wasted my time on a matter of a fraud alert that had to do with the bank 's inner workings, and nothing to do with me. I relied on their information to withdraw my money and was not allowed to do so for XXXX hours. 
I would like the penalties waived and credited to me. That is the least they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I lost my wallet having my personal information like Social Security, Drivers License, Credit cards etc. Then when u checked my credit report I found some accounts which does not belongs to me.

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 2023-08-07
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
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: Account information incorrect

Complaint:
Certified Mail XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023, XX/XX/2023 15 US Code 1681 ( a ) ( 2 ) ( i ), 15 US Code 1666 b ( a ), 15 US Code 1681 e ( b ), The credit bureau are breaking the law and violating my rights.

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 2019-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
I paid my capital one credit card off in full on XX/XX/19 in the amount of {$490.00} with the intention of not using the card again. On XX/XX/XXXX I got charged an interest charge of {$11.00} and it was the only balance on the card. I called and very nicely requested they remove the fee since it was/is the only balance on the account and I have never had any fees waived. The representative said no so I asked to speak with a manager and got XXXX  ( id XXXX ) and she said no as well. It is my understanding that they are in violation of regulations placed with credit card companies to charge fees on a {$0.00} balance. Please get this corrected since capital one was so unwilling to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple dispute letters to the 3 credit bureaus since the month of XXXX. I have never received any of their responses and I didn't authorize them to add these inaccuracies on my credit report. I demand deletion of these accounts as soon as possible.

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 2023-08-07
Company: EQUIFAX, 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 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please delete all complaints associated with this email and personal information below. You and the credit bureaus do nothing to help the normal citizens of this country. It is nothing but a waste of time, no one checks anything, follows up on anything because you dont care. Im sure if I was in this country illegally you would handle immediately and offer even more credit, insurance, phone, place to stay, etc. Im an American citizen and nothing has been done to help me. I will take a different approach and I promise you all will be exposed of how you do nothing but forward complaints back and forth and no one checks anything. Please erase me from your system. You guys are absolutely worthless!

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 2023-12-05
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.

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 2023-12-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXX, Credit XXXX bank at XXXX pulled XX/XX/XXXX, Transunion XXXX XXXX at XXXX, XXXX Bank XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: TN
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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/24 XXXX PST : I try to log into my Ally Bank account and discover that it's locked. I call the phone number provided by the app and get forwarded to the fraud department and wait on the line while Ally attempts to verify my ownership of my other financial accounts. The Ally representative tells me that I will hear back from them soon. 

XX/XX/24 XXXX PST : I try to access my account again and discover that it's still locked. I called the number provided and this time the Ally representative informs me that they are not allowed to discuss my account if I have been forwarded to the fraud department. 

I had a XXXX  of my paycheck direct deposited into my Ally checking account to test out their services since I am looking for a new bank. Now a decent portion of my income is frozen and I can't pay rent. None of the XXXX other financial institutions that I'm testing out froze my account and Ally won't tell my why they decided to.

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 2023-10-06
Company: Chime Financial Inc
State: NV
Product: Credit 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 did a dispute with chime on a purchase I made for custom clothing that was not as described. I was denied after sending solid proof 1. Text messages between me and merchant both agreeing that if my merchandise was wrong I receive a refund 2. The merchant switched production companies without my consent and when I complained he said next time XXXX make it right so at that point he knew he messed up. 3. I sent pictures of the merchandise missing tags and the huge sizes tht were wrong and proof of me complaining to merchant Chime denied me then re oped my claim and denied me again within a few hours! They did not investigate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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