BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. Please see the request below. After Experian did not send the verifiable proof in my request for validation in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g, a complaint was filed with the CFPB on XX/XX/2019 requesting deletion of said account from my credit report. 

Experian stated in their response to my complaint as the remedy that the XXXX XXXX Account filed in the complaint does not appear on my credit report any longer, and that an updated version of my credit report would be sent for my review. This statement/remedy reported to CFPB was a lie ( Please see attached complaint filed with the CFPB, as well as Experian 's response highlighted with the statement given to the CFPB ). I received an updated credit report from Experian, report # XXXX dated XX/XX/2019, in which Experian lists in a statement under this XXXX XXXX account which reads, " This item remained unchanged from our processing of your dispute in XXXX, 2019. '' Not only has Experian resorted to reporting false, unvalidated and verifiable information on my credit report, they are also lying to the CFPB stating that the dispute was resolved via non-monetary to the CFPB and is not being reported on my current credit report any longer. ( Please see attached paperwork of highlighted response from Experian ). 

Experian continues to lie and report false and erroneous information on my credit report and lie to the CFPB regarding the resolution that they stated was met. As of this date, XX/XX/2019, Experian still has yet to remove this account, as it is still being reported. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof from 2 months ago, in which the original dispute was filed. The company has yet to comply. 

* All Proof of Correspondence Attached

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 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One has allowed my credit card to be charged in the amount of {$780.00} by third-party seller XXXX. inc as a recurring transaction after my credit card number was changed. Third Party XXXX XXXX did not have my authorization or my new credit card information, they used the " data press '' process. I have disputed the charge and they refused to return my money back to the account. I had to open the second dispute and provide them with all information and confirmations for fraudulent charges including a copy of XXXX XXXX XXXX they refused to revise it and allowed the charge to go through my account. 
From XXXX XXXX : SEC. 4. NEGATIVE OPTION MARKETING ON THE INTERNET. 
It shall be unlawful for any person to charge or attempt to charge any consumer for any goods or services sold in a transaction effected on the Internet through a negative option feature ( as defined in the Federal Trade Commissions Telemarketing Sales Rule in part 310 of title 16, Code of Federal Regulations ), unless the person ( 1 ) provides text that clearly and conspicuously discloses all material terms of the transaction before obtaining the consumers billing information ; ( 2 ) obtains a consumers express informed consent before charging the consumers credit card, debit card, bank account, or other financial account for products or services through such transaction ; and ( 3 ) provides simple mechanisms for a consumer to stop recurring charges from being placed on the consumers credit card, debit card, bank account, or other financial account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To Whom It May Concern May I please request your assistance in resolving a matter regarding a Hard Inquiry on all three of my personal credit reports that is fraudulent activity not requested by me. The company is known as : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX This is for a charge card this inquiry is scheduled to continue on record until XX/XX/XXXX. My personal statement on all three credit reports clearly states that I am a victim of identity theft and that I am to be personally contacted before any credit report is pulled. Furthermore I have a credit freeze on all three credit bureaus. I never initiated any inquiry of any kind for a credit card

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 2021-05-08
Company: NCSPLUS INCORPORATED
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

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 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This loan is over 10 years old and has since been transferred or closed. Trans Union refuses to remove it. 

ACCT # XXXX, No balance reporting.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2022 I XXXX XXXX received a response from all three credit bureaus Transunion, XXXX and XXXX saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4

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 2021-05-17
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my PNC account in XX/XX/XXXX. My account has been messed up from the beginning. They released payments to merchants I do not have an account with nor do I owe money to them. They paid frauds charges to merchants then took money from my savings without my consent placed it into my checking and released that money to fraud charges. I have filed many disputes in which they denied half the claims and the other there was supposed to be a credit that didnt show posted went back and did a reversal of payment basically charging me three times for fraud activity. I, made them aware from the first month. I had seven debit cards reissued each time the same problem happened. All of my savings were illegally transferred and spent on fraud charges this included my stimulus payments and income tax refund for state. I want my money back. I havent touched my account and from XXXX to XXXX over {$7000.00} was illegally removed from my account. Then the bank tried to manipulate me as if it were my problem claiming they wouldn't deal with me anymore when this was their fault. I opted out of overdraft protection it states on each monthly statement therefore they hasd no right to let fraud merchant charges ruin my account, transfer my savings to cover fraudulent charges then refuse to put my money back into the account. I have been without my card for a month since then XXXX was put into my account. I activated the card XX/XX/XXXX and the funds were gone again after going in personally and blocking these merchants they continued to release my money knowing it is fraud. You can tell by thew fact there is 20 charges a day by this merchant. I want my money refunded from the state as well as the fraudulent activity they allowed to occur on my account. You can see where it shows I did a transfer online and phone then it states funds transfer which shows it was on their end and for no reason when the account had money in it. I should have over XXXX in my account that is fraudulently gone and unexplaianable charges and transfers that were not authorized. I can tell it was premedatated by the fact the first months statement came with a notice stating fraud and warning the credit bureaus of my account as if they had this planned. Then told me that was the point of the account. No it is to save money and checking to pay bills. I know what my monthly bills are and never exceed my spending to the point where my savings had to be touched. Yet, the bank did this now I was robbed for all my government benefits and savings. This is fraud and swindles, a breach of contract and should not present insured by FDIC of {$250000.00} and then do not refund my account for theft by deception and fraud. I am livid and do not know who to contact to resolve this matter and get my money refunded as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: MD
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 for my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are 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 will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
InAccurate Reporting to the credit bureau. I have mail letters to this company about their reporting to the credit bureau about an account that's not mine. 
First off the Address is not my I HAVE NEVER EVER HAD THIS P.O.BOX ADDRESS that is in there letter. That they finally sent me as verification. The FCRA stated that If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. And as we all know if you apply for something on credit you have to sign for it. It can be a credit card, cell phone, house, car. so I am asking where is the sign Document with my signature. NEVER GOT THAT DOCUMENT. This is the fourth letter that I have sent this company about this matter. So Can You Please Help me get this inaccurate information removed from my credit report. Also, the rep from ERC said that they don't care if I contract you will not doing anything anyway to help me. Because ERC is above you and your laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
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:
AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE 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 fin fc XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: PA
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:
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 instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, No consent is identity 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 explanation
Consumer complaint received 2022-05-18
Company: CASHCALL, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I filed for XXXX  XXXX Bankruptcy case number XXXX. Cashcall was included in the Bankruptcy. On XXXX of XXXX I had the case dismissed against myself and started calling the creditors to start paying them for the full amount owed prior to going into bankruptcy. On XX/XX/XXXX I called Cashcall to pay the amount of {$2500.00} in full ; however, they referred me to their attorney 's office XXXX XXXX XXXX. I made a payment for the fully amount owed with confirmation number XXXX. Cashcall is now hitting my credit stating that this account was a charge off and no payment was ever made. I have called on multiple occasions and I am not getting any assistance or response back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX  XXXX Not my account Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1988

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 2022-05-18
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX  account # 's XXXX, account number XXXX, account # XXXX, account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

n accordance with Fair Credit Reporting Act, XXXX XXXX account # 's XXXX, XXXX, XXXXXXXX XXXX XXXX  account # 's XXXX, XXXX XXXX account 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 a account without my written instructions

Company response to consumer: Closed with explanation