BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
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 2 Account name : XXXX  XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXX  XXXX bankruptcy dismissed # Reference number 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2023-08-19
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:
Following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Equifax XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX  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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. They are collecting for equipment I returned to them a long time ago. This is a mistake from their part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Global Credit & Collection Corporation
State: NJ
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:
I keep getting calls from this one number XXXX Debt collector saying he can fix the problem. 
All my previous debt have being forgiven as they were my spouse 's medical bills after she passed from XXXX XXXX. 
Now I am with XXXX and at XXXX XXXX XXXX These people have no consideration or empathy for sick people. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: UT
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 A LETTER FROM AFFIRM STATING LOAN WAS REPAID IN FULL, THE LOAN WAS IN DISPUTE WITH XXXX XXXX, THIS TOOK QUITE SOME TIME, AS I KEPT IN CONTACT WITH THE CREDITOR OF WHAT WAS GOING ON, I HAVE LETTER TO UP LOAD FROM XXXX IT IS THE 3 CREDIT REPORTING AGENCIES THAT CONTUNIALLY MESS UP MY CREDIT SCORE NOT UPDATING INFO, WRONG INFO, DEROGOTORY INFO, OR NOT EVEN LOOKING AT A DISPUTE CASE. NO LATE PAYS PAID IN FUL LOAN

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 2023-08-19
Company: Bread Financial Holdings, Inc.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This company scams though calling your phone all day., they refuse to stop calling only to get your important information.. Comenity Bank doesnt exist..XXXX XXXX I will be taking legal action to the fullest if the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have asked Equifax to pls provide detailed verification of this debt listed below. I've stated the following to them : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Im requesting an investigation because I felt the item was not being reported legally. How was this information verified? Prove that this listed debt belongs to me and not someone else. Im request for sufficient legal proof under the FCRA. 

Information in dispute : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX XXXX # - XXXX Amt. {$110.00} And that A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent deletion of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: MS
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 am trying to get me a house and car and I have tried disputing this several times and nothing is being resolved! Ive called many times and nothing is being done! According to the 15 U.S.C 1681 Law there shouldnt be any damages on my report, its a defamation to my character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I made 2 transactions with my chime account. I transferred XXXX from my XXXX account and I went to XXXX and added XXXX after that. I put the money on the card to pay for my utilities and the only reason I didn't do it immediately was because I needed to add another XXXX for the fee. My notifications said my email address was updated and next one said the phone number on my account was updated. This was at XXXX. I checked my phone and tried to access my account but I was unable to because all my info had been changed. I called chime immediately and I was on the phone with different agents for the rest of the night and I was just told to change my email address and phone number on the account but the card was still active. I sent them everything they requested from me and I still haven't received anything in regards to a resolution, they have not deactivated my account or card and they have failed to update the email address i gave as an alternative so I still can't access the account to see what transactions were made, i called twice since to have them correct the email address and they have not. Instead I am being treated like i am personally being investigated. There has been no response to refunding my money, and I have been receiving texts from the same people who have stolen my money and account info. They are saying that I authorized the transfer. If I had, I would not have changed my info before I allowed money to be transferred from the account. I feel like I'm being treated like this criminal while they continue to access my info, and now texting me and asking me to send my access code. I have spoken with my family and friends and those who have had any problems such as mine all said either they were notified about the activity and they all had the funds returned within a few days and without the extra that they should have used to protect my account instead of making me feel like I did something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My company deposited a check into my Bank of America account and the bank closed my account as soon as the check was deposited. I asked them why and they said it was their choice. I asked well how would I get my funds and they said a cashier check will be mailed once the account was closed. Instead of receiving my cashier check I received a letter that my funds will be held until further investigation. I remind you while the account was closing the check was on hold for more than 10 days starting from XX/XX/2022 until XX/XX/2022. Within that timeframe they should have done their investigation. The check cleared and they are still holding my funds. So then I called and asked to speak to a supervisor and they escalated the issue and still no response on why they are holding my funds. I asked what can I do to help with this because they check cleared. I think this is 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, has violated mv 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 1681 section 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2020-04-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX, XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX  reported to the Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection 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 explanation
Consumer complaint received 2019-01-30
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt over the phone with my credit card and these crooks still reported it as unpaid to the credit company!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: CA
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 got my credit ran today XX/XX/20 because I was trying to buy a new car but unfortunately I was not approved for the loan because there are some accounts in negative standing appearing on my credit. I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I am not sure who is responsible for opening those accounts in my name but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I do not have any type of written or verbal contract with any of these companies and I never allowed them to run or access my credit file.

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 2023-08-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing about Pay pal credit Account : XXXX XXXX XXXX XXXX I have sent to paypal an explanation situation letter and check in the amount of {$550.00}, my letter asked for my account to be reviewed and considered to revise balance. All this time I thought paypal accepted my final payment to settle my account but still showing a balance on my my XXXX consumer report. 
Paypal only took payment and didnt advised of anything. They should have contacted me to advise a settlement amount or sent an answer letter of my letter sent with payment. Paypal should have sent some type of notification.

Additional evidence upon request.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
bankruptcy case number 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 2023-02-15
Company: EQUIFAX, INC.
State: IN
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:
As a natural person and a consumer, I have a right to privacy. I have not given Equifax written permission to report the disputed and identified accounts on my consumer reports. I have been communicating with Equifax by writing repeatedly on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and again by Fax since Equifax refused the certified mailed letter I sent in XX/XX/XXXX. I have been calling and speaking to a wide range of customer service agents, and supervisors day after day, week after week, informing each one that my privacy rights as a consumer have been repeatedly violated and that I have identified accounts that are reporting on my consumer reports as a result of identity theft. I am being repeatedly ignored because those accounts I have repeatedly identified are still on my report. I want them blocked and removed immediately, pursuant to my privacy rights enumerated in FCRA 15 USC 1681. 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-19
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:
XXXX XXXX XXXX XXXX XXXX XXXX compa both these companies have inaccurate information reporting to my credit report! 
I have never had a agreement or contract with either of these companies and i ask for them to be removed! they are also by law violating my rights to privacy.

Company response to consumer: Closed with non-monetary relief