BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
BILL WAS OVER PAID AS SHOWN IN ATTACHED SCREENSHOT AND NOT APPLIED TO ELECTRIC BILL, AS A RESULT PENN CREDIT, XXXX XXXX INTENTIONALLY NEGLECTED TO MAKE DUE DILIGENCE TO RECTIFY AND ADD A COLLECTION ONTO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my Suntrust account about 3 years ago. We left about {$200.00} in there for a windfall and the banker said it was a good idea. I assumed everything was fine and did not check my statements. Yesterday I got a letter from Truist stating that my account was overdrawn and was being sent to collections. According to them. I owe {$17.00} with {$30.00} for collection fees. They gave me an XXXX number to call on the sheet to resolve the issue. They let you hold for about 2 minutes then send you to voicemail. I left a message but never heard back. I then went to my local branch and asked to resolve it in person, but was told since my account was closed they cant help. They gave me the customer service line. I waited on hold for over an hour to be told the same thing. I tried to call the number on the collections letter several more times and never got to a representative, nor got a call back. I then double checked my last statement- I had {$3.00} in my account, they took out the XXXX maintenance fee, and then immediately shut down my account. I dont believe I should owe this amount but I cant speak to anyone to resolve. This has been an incredibly frustrating experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
MY XXXX XXXX  ACCOUNT NEED TO UP TO DATE.

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 2023-11-06
Company: EQUIFAX, 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:
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  has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-11-05
Company: LEXISNEXIS
State: OH
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 this creditor has violated my rights. Under the federal guidelines 15 usc 1681 section 602 state I have a right to privacy. Under 15usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written consent. Under 15 usc Section 166b a creditor may not treat a payment on a credit card account, car payment account under a open end consumer credit plan for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Credit Card Acquisitions Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, I received notification by my credit monitoring service with XXXX that an alleged debt by this agency decreased my score.

I was not notified by this company regarding any debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an account on my credit report, reporting to XXXX and Transunion reporting an account with XXXX XXXX XXXX as late then updated to missed payment when I have sent in proof the payment was never late or missed but they are failing to update the account as such ruining my credit when Im trying to start the process of purchasing a home. I contacted the lender the loan is with and they confirmed this was an error on XXXX part not theirs. XXXX is also not updating accounts correctly and in a timely manner. I have accounts on my report that has not updated since XXXX and when I called them advising to update the accounts the next few days the account updated as closed. THis is continuous and ongoing issue with this credit bureau that needs to be corrected as soon as possible as they are ruining peoples credit due to their negligence of updating accounts properly. There are also inquiries that were not made by me that I have disputed but again they will not remove them.

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 2021-03-31
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking over my credit report and saw that Santander Consumer USA Inc. was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is to advise University Accounting Service , LLC, DBA UAS, LLC, that I do not owe and have not owed for over 35 years any student loans whatsoever. Having graduated in 1979 from XXXX University with a XXXX XXXX, all of my student loans to XXXX were satisfied in full back in the XXXX. Given the many years since they were paid, I do not have any written proof. However, as I recall, all student loans were fully satisfied in a 5-year repayment plan under a Chapter XXXX bankruptcy. The plan was satisfied in full and, if any balances on the loans remained, the balances were discharged under the terms of the Chapter XXXX. Therefore, be advised that I have not owed nor have I been billed for any student loans for well over 35 years. 

In conclusion, I believe your current attempt to bill me is a SCAM to dun seniors for loans satisfied years ago anticipating that all paperwork to prove the loan satisfied is no longer available. 

This is to request you desist from your false billing. I am reporting this attempt to collect from me as the SCAM against senior citizens that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. It has been just over 60 days and I still have yet to get a response. I feel as though they are refusing to start an investigation and this is causing me serious financial problems in my life. According to Section 611 ( a ) these accounts need to be deleted immediately!

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 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I try to " Convert Rewards '' over CapitalOne 's website, they try to do a verification with my phone number. Every time their website gives an error saying " We can not verify your phone number '' or " Sorry, we can not match that number to your name ''. I have this number on my name since XXXX  and it is with XXXX. This phone verification is the only option to " Convert Rewards '' to one of their third party partners ( XXXX XXXX XXXX ). They can not do this over phone and they do not provide any alternative verification options on their website. I called their support line multiple times over the week since XX/XX/XXXX and spoke with multiple agents. Nobody was able to solve my issue. They say they are working with a third part service and can not do anything about this. I bought this CapitalOne XXXX card only for this reason, and they are blocking me from using all the miles I had saved so far. I believe this is false advertisement and discrimination since other people can easily " Convert Rewards '' with their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/2023 I received a letter from Chase stating, " thank you for your request for credit. '' Months ago I received a credit card in the mail for a card I did not apply for. I reported this as fraud and had everything closed as a result. I froze my credit on XXXX XXXX and several other sites so my information could no longer be used. This issue seemed to be resolved until recently when I received the request to allow chase to access my credit report. I did not apply for this or request any credit review from chase. I do not have any accounts with Chase and do not wish to open any accounts or credit cards with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: DISCOVER BANK
State: IL
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:
There was a hard credit pull on my credit report that I didn't authorize on XX/XX/2022 from : Discover Financial Services ( Finance ) ( XXXX ) XXXX The number listed a few days ago was ( XXXX ) XXXX and it's an automated call for XXXX  XXXX and ultimately hangs up on you. 
Somehow I called this exact number by accident on XX/XX/XXXX and heard the exact hearing aid message and then there was a hard credit pull on me. 
I have called discover financial and they never heard of me. 
I have frozen my credit and seriously hope that someone hasn't opened a line of credit in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
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:
This is my third times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Balance {$4800.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXXXXXX, MA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: CA
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 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 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with Capital One on XXXX, XXXX, 2020. A consumer credit transaction in which a finance charge was involved. 15 UCS 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One took cash. The finance charge also includes insurance protecting the creditor against loss but Capital One did not include insurance in my consumer credit transaction and made me purchase insurance separately. I also suffered a lapse of my insurance and suspension of my driving privileges due to Capital One negligence. 15 USC 1605 A1 States that a finance charge includes interest, Capital One did not included the interest in the finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I contacted Transunion to dispute hard inquiries on my report! The representative hung up on me and never once tried to call back. So unprofessional! 

Inquires disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries from 2017 was not authorized by me, I was in prison at the time!!

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 2022-06-17
Company: Experian Information Solutions 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:
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 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 the information is inaccurate. 

XXXX XXXX  - account # XXXX XXXX  XXXX XXXX XXXX - account # XXXX XXXX  - account # XXXX Has violated my rights.

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 2019-11-24
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:
ACCOUNTS ON MY CREDIT REPORT ARE INCORRECT AND NOT MINE. THEY ARE UNVERIFIED AND UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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