BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: WV
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 and confidentiality under 15 U.S.C. Sec. 1681. 


I told the Experian, XXXX, and XXXX to reinvestigate these accounts ( 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After doing a forensic investigation and analysis on the three NCRA 's investigation, the three NCRA 's have still failed to conduct a reasonable investigation on the items presented to them by me. Also, I have found that there are inconsistencies in the three reports that might be due to the XXXX XXXX format. I believe XXXX, Transunion, and XXXX use a system called E-Oscar to handle investigations. I have asked the NCRA 's to not rely on this system because it is not 100 % accurate and it is not fair. On XX/XX/2022 I spoke with XXXX 's rep XXXX XXXX about my concerns, XXXX XXXX was very rude and confirmed that XXXX is going to continue to violate my rights under the FCRA, " does not care, and that I am wrong about my privacy rights '' .XXXX XXXX XXXX 

Attachments included. 

Legal action has been taken against the three NCRA 's for noncompliance and damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to Privacy. 
15 U.S.C 1681 Section 604 A section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: KS
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under several U.S. Codes 15 U.S.C 1681 Section 602 A. States I have the right to my privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions 31 U.S. Code 3123 - States I as an Original Creditor, and consumer don't owe debt, Payment of obligations and interest on the " public debt ''. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

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: FL
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 OF XXXX ACCOUNT XXXX XXXX, XXXX OF XXXX ACCOUNT XXXX, XXXX CARD ACCOUNT XXXX, XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 


They also violated my rights under 15 USC 1681 Section 611 ( XXXX ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes. 

They also violated my rights under 15 USC 1681 Section 611 ( XXXX ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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:
I have had a Capital One credit card for a while. In XXXXXXXX XXXX XXXX, I noticed charges that I believed were not made by me. I disputed the charges and a new card was sent to me. I did not activate that card ( no 2 ). I discovered that a number of charges were made to that card when I received a bill. When I realized something was going on, I notified Capital One and locked my account. I filled out and submitted all of the documents that Capital One requested. Ultimately, these charges were determined to be fraudulent. While I was trying to resolve the issues with card no 2, a new card was issued to me. This card was sent to my family post office box. I did not request this card, either. I believe the card was sent to that po box because I had requested the documents I needed to dispute the charges on card no 2 be sent there. At this point, I was concerned that someone was intercepting my mail and had activated card no 2. I did not activate that card No 3. However, it was used to purchase {$7000.00} in product from one vendor. Initially, without my requesting, Capital One reversed that charge, but then reinstated. At the time of the transaction, I had received an email notification indicating the possibility of a fraudulent charge and I acknowledged that the charge was fraudulent. I have notified Capital One that I believe I am a victim of identity theft and fraud. There were several strange incidents around this charge. 1. the fraud alert, 2. there was an effort to pay the bill from a bank that is not mine, ( this was reversed ), XXXX there have been attempts to log into the account which were not made my me ( I have tried calling about this but was told there was no way to trace it ), 4. once when I tried to log in, another person 's name came up although I had saved my log in information. I have tried to resolve this with Capital One, i have called many many time and have not been able to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a consumer and by law i feel i am being violated and ignored because my information is constantly being misused and misrepresented and i have many false and inaccurate accounts on my credit report and i am making a formal complaint about the Unauthorized use of my credit report and personal information.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently reviewed a copy of my credit report and I was shocked to learn that this account on my credit report was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Skopos Financial, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I obtained a loan through skopos financial XX/XX/XXXXXXXX  .I began experiencing financial hardship due to being out of work because of my high risk XXXX and right after COVID which lead to falling behind in my car loan payments.I reported this hardship to SKOPOS Financial however they charged off/ wrote off my loan as bad debt XX/XX/XXXX, and Sold my vehicle in a private auction XX/XX/XXXX with out written notice. In XX/XX/XXXX my account was sold to XXXX XXXX I disputed the account with XXXX XXXX  and got it removed my credit report shortly after the debt was sold. XX/XX/XXXX SKOPOS financial bought back the debt and continued to report each month as charged off as well as reporting a balance, and monthly payment amount as if the account is still open. XX/XX/XXXX I called SKOPOS and spoke with XXXX from the customer advocacy department and requested for the false information to accurately updated to all 3 credit bureaus. I also spoke with XXXX in the kids mitigations department and requested a copy of the written notice of sale, deficiency letters, and bill of sale for my vehicle that was auctioned off. I was provided a false written notice of sale because it was never received and 2 different deficiency letters which initialed 2 different amount my vehicle was sold for and 2 different balances owed. XX/XX/XXXX the information still hadnt been updated so I disputed the account with all 3 credit bureaus and requested for the account to be deleted due to SKOPOS continuing to report inaccurate information. After the disputes were completed the credit bureaus verified the information as accurate and are continuing to report inaccurate information even though when I spoke to XXXX from SKOPOS she agreed that she would update the inaccurate information. This inaccurate reporting has traumatically affected my credit preventing me from being able to obtain any new lines of credit, car loans, open ended loans, and rental properties. This completely goes again and violates my FCRA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TOO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1663A CREDITOR MAY NOT TREAT PAYMENT PN A CREDIT CARD UNDER ANY OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: FL
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

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 explanation
Consumer complaint received 2023-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received a letter from Capital One Auto Finance dated XX/XX/2023. Reference number : XXXX. This serves as notice of discrimination and violation of the Equal Credit Opportunity Act. I am an injured consumer to whom you discriminated against and did not approve my application requesting to extend credit. Specifically, it states : " we're unable to provide you with a pre-qualified offer for auto financing. '' Capital One failed/never tried to make me a counter offer. I've submitted an application, pursuant to 12 CFR 1002.2f, to extend my credit to me. To my understanding, you are a corporation doing business with a living entity, a consumer. My personal information was given and used, including my credit card as defined by law : " any card, plate, or other like credit device existing for the purpose of obtaining money, property, labor or services on credit. '' This, to my understanding, was to be treated as a consumer credit transaction ( 15 USC 1679a ( 2 ). Being that I am an applicant pursuant to 12 CFR 1002.2 ( E ) I'm requesting an extension of my credit. How can I lawfully be denied extension of my own credit? 12 CFR 1002.2 ( h ) defines Consumer credit as credit EXTENDED to a natural person primarily for personal, family, or household purposes, in this case a car. Pursuant to 15 USC 1611 CAPITAL ONE AUTO FINANCE gave me false information. You are willingly and knowingly denying me an extension of my own credit. CAPITAL ONE AUTO FINANCE has discriminated against a consumer with an adverse action. Credit is the right granted to me under law, pursuant to 15 USC 1602 which Congress has set into place to protect the consumer. 15 USC 1681a, 12 CFR 1002.7 denial is an adverse action according to Congress ; it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. Also according to15 USC 1691 ( a ) 3 : activities constituting discrimination also include : " because the applicant has in good faith exercised any right under this chapter. '' Corporate policies do not supersede law. I extended my credit in good faith, meaning a transaction has taken place and I, the consumer, have not received an equal benefit. I being the card holder as defined by 15 USC 1602 have received no benefit from this matter which under 15 USC 1602 ( p ) you have unauthorized use of this card. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 USC 1692 and is pursuant to civil liability under 15 USC 1692k. The letter you sent is deceptive and clear proof of such willful negligence under law. I expect that you will rectify this matter accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: PA
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.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: UBS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This was my mother 's XXXX XXXX XXXX account where I'm listed as the beneficiary. She passed away inXX/XX/XXXX. I  contacted UBS many times ( three times just in the last two weeks ) and every time they told me that they received the paperwork and someone in charge of the account will contact me later that day or the next day. 
The failed to call me every single time. The last contact was on XX/XX/XXXX when a representative called XXXX said they'll call me the same day but they never did. 

I submitted my mother 's death certificate weeks ago and also a UBS statement showing that I'm the beneficiary but they keep passing me around reps and making me hold on the phone for long periods each time. I'm attaching these documents to the complaint. 

Prior to my mother 's passing I submitted a power of attorney and letters from her doctors explaining she was incapacitated ( she was XXXX years old suffering from XXXX XXXX XXXX and unable to XXXX XXXX XXXX ) and I needed to access her account to pay for her assisted living expenses but UBS played the same game and never gave me access. As you can imagine this caused a lot of problems for me, I have spent hours dealing with this corrupt institution. 

There are similar complaints for UBS with CFPB, some exactly the same as mine such as # XXXX. I believe this is standard practice for UBS and they should be held accountable for deceiving their clients and try to keep our money as long as possible regardless of the hardship this may cause us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : VIN # : XXXX REQUEST FOR INFORMATION This letter is simply a request for information in regards to the XXXX XXXX XXXX. 
I bought this vehicle on or around XXXX from your dealership. I was hoping that you would be able to provide a copy of the following information for my records : -Copy of the Retail Installment Contract -Copy of the Arbitration Agreement -Copy of any other documents I signed that day -Down Payment Receipt My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

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