BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states, a consumer reporting agency, can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on the credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
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 XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 2015-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have paid without fail, more than the minimum payment to XXXX/Comenity bank every 2 weeks since XXXX 2019. I purchased less than {$2000.00} and was under the impression that I had paid off the account by what I saw on the XXXX customer portal. However, I started receiving collection calls and was told that I owed {$1200.00} and was being assessed late fees. I got onto the XXXX account portal and it says that I owe {$50.00} ... I challenged the person on the line and he got 2 different levels of managers who then said I owed {$1600.00} plus late fees and other fees. I pulled up my bank account and it shows that I have paid {$1500.00} to XXXX. I got onto the Comenity site and pulled down all of my statements they show all kinds of huge interest fees and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Today, I find from XXXX XXXX that I have an inquiry from Capital One done me on XX/XX/XXXX XXXX. I have not authorize Capital One to do an inquiry. They do not have verbal nor written permission from me to put my credit report on XX/XX/XXXX. The time I given to them was in XXXX to open up one. I do not want them to put my credit report without my written or verbal permission. That is illegal plus unlawful. Plus it is lowering my credit. I want them to notice XXXX  and get that unlawful inquiry off immediately. I would like for this to go public so everyone will know that they are pulling credit report unlawfully. 
I call XXXX  today and was told that I have to call Capital One and have it remove. They ( she ) would not even investigate. Therefore, the company ( XXXX ) is sent out incorrect information. She told me to call Capital One myself but yet you are send out incorrect information. They will not be able to produce a written or verbal conversation where I given them permission in XXXX to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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: Personal information incorrect

Complaint:
Wanting to dispute inaccurate Personal Information, Non Mailable Addresses, and Non working telephone numbers on reports not belonging to me. The below information is correct information to be on reports Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone Number : 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 2023-12-14
Company: Experian Information Solutions 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-04-25
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
Bridgecrest Auto Loan used my name in their response many times and I was asked not to use any personal information. First off the loan was to rebuild credit that was never on my credit before Covid so it didnt help. They only put it on there after my business was shut down and I was hospitalized 3 times in 2022 and my bank account with fund raising money was taken and I was stuck in the hospital. The promise to pay was from the account that was compromised and I asked it be removed. Plus how can you do this to a person whos fighting for their life and was still doing her best to pay her bills I didnt ask for any of this. How can you charge off a vehicle that you didnt charge off? If you did thats not legal. You cant charge off ( write off ) a loan youre still collecting money on. Plus you sold not only me but many many people wrecked vehicles and did nothing to reimburse them. So this is how you handle customers who were affected by the pandemic left having to fund raise money for medical care because you wrecked their credit and refuse to remove it? This is what your company stands behind? All I asked was for you to take it off since Im paying the loan so I can get medical care and you cant even do that. This is sad very sad!

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information was erroneous. The XXXX ad TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}.

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 2023-12-14
Company: Experian Information Solutions 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:
I am writing to express my serious concerns regarding the inaccurate information on my credit report, which is maintained by Experian Information Solutions , Inc. Despite my efforts to rectify the errors, it has come to my attention that the discrepancies persist, and this has caused significant harm to my financial standing. 

I have made multiple attempts to dispute the inaccuracies through the proper channels, as outlined in the Fair Credit Reporting Act ( FCRA ). However, it appears that these efforts have not been successful, and the inaccuracies persist. 

I believe that Experian Information Solutions , Inc. has failed in its duty to ensure the accuracy and integrity of the information in my credit report, as mandated by the FCRA. This failure has resulted in damage to my creditworthiness and has adversely affected my ability to obtain credit on fair and reasonable terms. 

I am hereby providing notice of my intent to pursue legal action against Experian Information Solutions , Inc. for violations of the FCRA and any other applicable laws. I believe that your company 's actions have caused me substantial harm, and I am left with no alternative but to seek legal remedies to address this matter. 

I strongly urge Experian Information Solutions , Inc. to promptly investigate and correct the inaccuracies on my credit report in accordance with the provisions of the FCRA. Failure to do so will leave me with no choice but to proceed with legal action. 

Please consider this letter as a final opportunity to rectify the situation before legal proceedings are initiated. I expect your prompt attention to this matter and a timely resolution.

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 2023-12-19
Company: Experian Information Solutions 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 the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my 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 2022-10-17
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was scammed out of {$750.00} through Zelle because the scammer messaged my friend and I on XXXX saying they could sell us concert tickets we were in the market for. After the money was sent, they blocked both my friend and I on XXXX and the tickets were never seen. I later called XXXX XXXX to try and file a claim and nothing has been done since. {$750.00} is a lot of money and not something I can just be okay with disappearing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery A has been charging me {$1800.00} for XXXX  XXXX I have been telling them I never borrowed from XXXX XXXX so the charge is fraudulent a few months ago they called me and told me to do a {$100.00} payment and that it will settle the account so I figured its worth it so they can stop calling me but they just deducted the money from the total and still call me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: ND
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has screwed up my credit. When I called I talked to " XXXX '' in XXXX, I asked to speak to supervisor and was transferred to " XXXX '' in Pennsylvania who immediately hung up on me. They do not answer questions or try to deal with issue. the people in XXXX can not even understand English. Due to their incompetence I can not find a place to live. They need to be shutdown and never allowed to have any influence on anyone 's life. My report is wrong and they do not care what so ever about correcting it. If something is not done immediately my next letter will be to Mr trump ( who is a family friend ) I am not messing around they are rude and incompetent.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: NJ
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 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 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 2022-10-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received a letter from USAA Bank with a debit card. It stated " Your debit card has arrived '' with a debit card attached. I contacted the bank today XX/XX/XXXX and they stated they observe an account is open however, they are currently unable to access what kind of account was open. The representative instructed me to call back and ask to speak to someone about an account takeover.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/XXXX Experian XXXX XXXX XXXX whom it may concern, I am disputing the repossession being declared on my credit report and am asking it to be removed from my credit history because it's harming me and is completely incorrect. 

Please nd uploaded to your site a copy of the vehicle title signed to me proving the vehicle was my property and that XXXX had no lean or legal claim on this vehicle. Furthermore, the vehicle was in an accident back on XX/XX/XXXX. The insurance company ( XXXX XXXX ) already reimbursed me for the vehicle and at no time did XXXX allege ownership of the vehicle, because, of course, I was the XXXX XXXX  of the vehicle and presented both the registration and the title as evidence at that time. 

As I explained above, your actions are harming me and my entire credit history, and want this corrected as soon as possible. 

Sincerely yours, 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 2020-02-17
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/XXXX contacted XXXX with Disputes for XXXX XXXX. She advised I do not have any late payments with them and did not know why Equifax was showing a late XXXX payment. Filed a dispute with Equifax. They replied back that XXXX computers sent that I do have 1 late payment.Tried talking to Equifax on XX/XX/XXXX. Advised them XXXX  and XXXX  show no late payment, why wont they correct this. I filed a complaint with you { CFPB } on XX/XX/XXXX but never heard back. Tried talking to Equifax again on XX/XX/XXXX but they still will not remove a XX/XX/XXXX late payment for XXXX XXXX which does not exist.. XXXX  can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion Report shows a hard inquiry from a XXXX XXXX, XXXX, TN XXXX. Don't know the company nor did I ask for 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