BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CT
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. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter to Transunion on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Transunion had 30 days to respond to my dispute.

This is a violation of my rights.

When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified

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 2019-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX & XXXX & & XX/XX/XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account had multiple withdrawals by a company named XXXX that withdrew money and then modified the amount of money that was withdrawn. It also stopped me from withdrawing my own money when it said I was allowed to do so at any time. 

The company violated the rules of the ACH Network by fraudulently withdrawing funds and then altering the amount withdrawn. It also performed false advertising all of which was in violation of ACH Network rules. When contacting Capital One to resolve the issue and filing multiple complaints with them, Capital One always responded on the last day of the allowed time and declined to resolve the issue. Capital One took fraudulent paperwork provided by the company XXXX to call these transactions authorized and refused to look at any of the documentation I provided in my rebuttal that clearly show a violation of the ACH Network rules. 

Several banks have come to the conclusion that XXXX fraudulently withdrew money from customers accounts including Capital One in certain cases. However, even after proof was provided of other banks refunding money to their customers because of the same issue, Capital One has not refunded my money and consistently denied my claim. 

I also filed XXXX complaints and provided these to Capital One but all of these were completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M STILL HAVING ISSUES GETTING THESE ACCOUNTS REPORTING ON MY CREDIT REPORT REMOVED THAT ARE DUE TO IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/2020 I discovered several fraudulent accounts reporting on my XX/XX/XXXX & Transunion Credit Report. I have alerted XX/XX/XXXX of the fraud by submitting Identity Theft documentation.

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 2022-04-16
Company: EQUIFAX, 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 never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A companie called XXXX XXXX XXXX call me and my family threatened my to suit me and saying that I have a court date and a amount of almost XXXX $ to pay if I dont do a payment of XXXX so out of fear I did an arrangement of 10 mount payment. Contact the bank that I own money they dont have any information also they give me there number and no one pick up. After making the arrangements to the payment I have a notification that my email and some of my password has been exposed on different side without my authorization. Also I have no documentation provided by that company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Credit bureaus stated my account was properly investigation 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 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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The Credit bureaus stated my account was properly investigation 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 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 2023-10-10
Company: Experian Information Solutions 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXXXXXX BalanceOwed : {$120.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00}.

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 explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Chapter XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-10-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection account was first bought by XXXX XXXX, and I paid that account with them. Now I see that XXXX XXXX has the account, and I have tried to get them to take it off, since I paid the account in full already. They are refusing to help me, and will not take the collection account off. This was for a JC Penny account that I had.

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 2023-10-10
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: Account status incorrect

Complaint:
This creditor XXXX XXXX is reporting inaccurate information.I reached out to the creditor to rectify the situation but got no response or resolution. I disputed this late payment from XX/XX/2022 with the Credit Reporting Agencies, XXXX, XXXX and Experian. XXXX has removed the late payment. But XXXX and Experian has not. I ask that XXXX and Experian remove the late payment as well. As I was never delinquent on this account. Its set on autopay. Also, the monthly payment date is incorrect on all three bureaus.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-17
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I received a phone call from a Kentucky phone number and turns out it was XXXX Collections. They informed me they were trying to collect a debt that was made XX/XX/XXXX in XXXX Tn made by a XXXX XXXX with birthdate of XX/XX/XXXX. They also tell me the name of the ambulance service ( XXXX XXXX XXXX and the hospital XXXX XXXX XXXX which this person was taken. I told them they had the wrong XXXX XXXX and I had never been in XXXX Tn and had no idea where it was. They then asked if my name was XXXX XXXX and if my birthdate was XX/XX/XXXX and I said yes. They then, very rudely, tell me they have the right person and I have to pay this debt. They would not listen to anything I had to say so I hang up. 

I go online looking for a phone number for the ambulance service but had no luck, so I look up a number for the hospital. Talked to a very nice lady, XXXX  XXXX. I explained the situation and she looks up if they had a patient on that date. They did have a patient brought in to ER with the name XXXX XXXX XXXX, birthdate XX/XX/XXXX, last XXXX of XXXX XXXX and her address was XXXX XXXX XXXX XXXX, XXXX Tn. XXXX XXXX called the ambulance service ( XXXX XXXX XXXX and then called me back. She told me she informed XXXX the collection agency they turned debt over to was trying to collect from the wrong XXXX XXXX. I didn't get if they had typed in the wrong middle initial or left it out completely. XXXX XXXX gives me the phone number for XXXX XXXX so I can call. I call XXXX XXXX and speak to some named XXXX and explain everything again. All they tell me is a report will be filed so it can be investigated. 

Somewhere along the way XXXX XXXX bought XXXX and then XXXX XXXX sold all debts to XXXX XXXX in XXXX and XXXX XXXX turned this debt over to Phoenix Collections. I have spoken to people from all these groups/agencies and no one will take responsibility for this error so I am forced to filing reports for Identify theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I was on active orders during XXXX XX/XX/2023 and XXXX XXXX bank during this time reported my account as past 30 days due. I was financially restricted however I did have a payment setup as they would call me and I would make the payment. They never called or notified however they knew I was on active orders during this time. The next week I called and paid the balance in full, that same month they reported my account as 30 days past due. Afterwards I reached out to them on XX/XX/XXXX regarding it to be removed, then again XXXX XXXX. Nothing has been done and no fix was made.

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 2022-02-27
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: Their investigation did not fix an error on your report

Complaint:
I sent several letters to Transunion regarding account with XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. I first let Transunion know that I never had an account with them. XXXX said that they verified the information. I sent another letter asking Transunion to re-investigate my claim. They sent me a letter stating that they reinvestigated and verified the information with XXXX  XXXX. I then sent another letter to TransUnion asking them to show me the process they used to verify this information and who at XXXX  XXXX  they spoke with to reach the conclusion that the information is verified, what documentation they received showing them that I was legally liable for this account, instead of showing me the information I requested Transunion sent me letters saying that the information was verified and other details to the account were UPDATED. As a consumer I have the right to a credit report that is 100 % accurate. The problem I have with Transunion is when I called XXXX XXXX myself and asked them about this account they told me that they dont know whats going on with the account and that they have never seen anything like this and gave me a different number for a different company and when I called them, they also gave me a different number and a different company. I then, at the same time I asked XXXX to verify my account, sent a CERTIFIED LETTER with a return receipt to XXXX. According to the letter I received and will be attaching with this complaint from XXXX, they also reached out to the supposed original creditor, XXXX XXXX, and : the creditor has NOT provided validation ... XXXX XXXX  company has submitted a record of deletion to the Bureau. This is evidence that Transunion has not verified the account with XXXX nor with the original creditor. Instead, they didnt do their job and continued to allow an inaccurate account to remain on my report. I expect this account to be deleted IMMDEIATLEY!

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX please 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 non-monetary relief