BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : 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. 












XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-09-30
Company: EQUIFAX, INC.
State: NY
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:
Equifax Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. Equifax has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX Charge-off {$5900.00} XXXX XXXX Repossessions {$10000.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was grossly over charged for fees and undisclosed charges.

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 2021-03-08
Company: DISCOVER BANK
State: NC
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:
DISCOVER FINANCIAL SER, XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported FRAUD numerous times to the companies that are reporting negative results to the credit bureaus. They are refusing to remove ALL these negative collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: CarFinance Capital LLC, Irvine, CA Branch
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: Credit inquiries on your report that you don't recognize

Complaint:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2023-01-26
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have acomplaint about Medicredit, a medical debt collection agency, arising from services rendered at XXXX XXXX XXXX. 

I visited an XXXX XXXX for XXXX  and XXXX  tests in XX/XX/2022. At the time of my visit, I provided my insurance information ( XXXX  ). I nevertheless received a bill for the full amount owed ( {$780.00} ) as if I were a self-pay ( uninsured client ). I provided my insurance information on multiple occasions, but XXXX continued to send bills. I contacted my insurance company and was informed that XXXX had not submitted a bill they could pay. 

Beginning in the fall, I began to receive repeated letters and harassing phone calls from Medicredit, a debt collection agency. I informed Medicredit that I have insurance, which they promised to bill. I also followed up with XXXX and was told that the bill would be removed from collections. I have received multiple harassing phone calls from Medicredit since XXXX informed me they would take the bill out of collections. 

Therefore, I have XXXX  complaints : ( XXXX  ) Harassing phone calls; and ( XXXX  ) This is not my debt -- this debt should be sent to my insurer. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in XXXX from a company called XXXX. This letter stated that I had a collection from XXXX XXXX in the amount of {$100.00}. I am not sure if they got my account confused with someone elses but I did not or do not owe that business any money as I had paid my balance with them the last time I visited. I also know this because I had no insurance at the time and per their policy they make you pay the amount due before they will see you. At the time service is rendered. I reached out to XXXX via a letter which I will attach below and sent that certified mail well within the 30 days. In the letter they asked me to respond within 30 days and it says plus I quote if you request to this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor. The letter date on XXXX was XX/XX/21. In my letter I stated that I would like an itemized bill because the amount is unrecognizable as I have paid my account with XXXX. My certified mail XXXX XXXX  was sent back to me with no other letter attached and was by itself in the mailbox. It was signed off as a date of delivery being XX/XX/21. Well within the 30 days of me asking for them to provide me with information on this so called debt. I sent another letter to them and after several months I only got a single letter back from them with no proof of said debt and what this debt collection was a result of in this medical office. XXXX also reported this to the credit bureaus illegally since they did not respond to me with any valid evidence as I requested and this debt was also reported to the bureaus on XX/XX/21. Which was before I even received the very first letter from them and was also reported before my 30 days I had to respond to this letter. Id like to make this complaint in hopes of this f debt that I do not owe, to fall off. I did send in a dispute letter to all credit bureaus and they agreed with me and deleted the collection from my credit. All but one which was Equifax. I XXXX also like to add Equifax to this complaint as well as XXXX. I have not been supplied the demanded proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have attached a copy of all letters that I have sent to XXXX. XXXX did not indeed supply any proof like I have stated above. I have tried to contact Equifax several times with this issue showing that the attempt from collection was not verified as I have asked. When I have contacted Equifax they have opened my dispute several times and denied it each time. However with all other bureaus they have deleted this collection off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Someone claiming to be with " XXXX XXXX '' called my work number asking for " the protocol when locating an employee. '' When I told the caller I was that person, he would only say he is asking about protocol when locating an employee and gave me the number XXXX to call, along with a " reference number. '' When I called the number, some fast-talking woman used every possible word in the English language to make it sound like she was filing a court case ( like investigators and warrant officers ) but would never commit to anything certain. Told me the amount due was over {$1400.00} if she " took this case to court '' but only {$450.00} if paid immediately via a " bond instrument ''. I offered to mail a cashier 's check but was told they only accept " bond instruments. '' Finally, after much more threatening-type nonsense/double-speak from her, she said she can not give out her address due to " her employee 's safety '' and a " bond instrument '' is actually a VISA or MasterCard in her definition. So, she'd rather have a credit card payment ( that can be disputed or recalled ) as opposed to a certified-funds cashier 's check? How can people like this get away with this type " collection activity? '' Such a waste of time. She even said I was " interrupting her '' even though I sat silently and listened to this spiel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: AR
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:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX I sent a dispute that several items on my Transunion credit report were incorrect concerning XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX and Transunion 's response, the identical form letter occur the month prior when I tried to tell them they were reporting incorrect information against federal law, was to say they don't think I sent the letter. I guess having all the information regarding my accounts and my signature and address is not enough for them to act properly, so instead of researching the disputed matter like they are supposed to do, Transunion simply made believe I never sent the letter disputing the errors and they do nothing to protect the rights I am entitled 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 non-monetary relief
Consumer complaint received 2021-03-07
Company: Google Compare Credit Cards Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have contacted google multiple times and told them that I don't remember applying for different recurring accounts with them. I also believe that a family member has used my info to get recurring accounts and I didn't realize this until charges from different recurring companies started posting to my credit/debit accounts. I have reached out to google to ask them to stop charging me and I told them these are not charges that I recognize but they are not corresponding back to me. I also believe that the charges were fraud on my XXXX and I changed my XXXX password.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2022-01-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I checked my online account three times XX/XX/2022 my water bill payment wasnt processed yet so I was going to deposit the funds XX/XX/2022 in the morning. I checked my account at XXXX and the payment was processed and a overdraft fee charged. It showed XX/XX/2022. I believe regions processed the payment at XXXX XX/XX/2022 and charged a fee the same time. Giving me the consumer no opportunity to deposit cash to avoid the fee associated. I spoke with the assistant manager at the XXXX office in Florida and she said I could come in and she would review the account because regions can waive one fee a year. I went in and she tells me its a rolling calendar year. She has no access to override it. I have an account with XXXX and this never Happens ever.

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 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 precisely, I got alert from American Express credit card that I made purchased of American Express gift card of about {$34000.00}. Immediately, I called American Express to cancel the transaction that I wasn't the one making that transaction of huge amount. Thereafter, they credited part of the money and balanced {$14000.00}. I have called them several time to credit the balanced, but they are adamant to do so. The said amount is hurting my credit. Please, I want this amount credited to my card and remove from my credit report. 
I am looking forward to hearing from you soonest. 

Sincerely XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX date breach and may have gotten into the hands of the wrong person

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 2019-09-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX made a purchase on my XXXX XXXX credit card of XXXX with 6 mo no interest promo plan. On XX/XX/XXXX I made XXXX $ payment to pay regular payment and the entire promo purchase At no time was I ever informed I had to contact them to split payment and I was currently an assistant manager for XXXX XXXX at the time and we were never instructed to inform consumers of that either We were trained the regular payment would be applied and rest to deferred/promo purchase so therefore I had paid it on XX/XX/XXXX they applied the entire deferred interest of XXXX to the account

Company response to consumer: Closed with explanation