BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My Regions checking account has been charged overdraft protection fees on several occasions despite my not being enrolled in overdraft protection. I reached out to Regions customer service via the mobile app messaging service and I was told that my account was opted in to overdraft protection when on my end it clearly says I am not. I offered to send the customer service rep a screenshot of this record but unfortunately there was no way to send pictures through the service and she refused to give me another form of communication for the customer service line. I am sick of being charged for fees unknowingly when I am under the impression that Ive opted out of this coverage for this very reason.

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 2022-01-24
Company: SG and Associates
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I received several harrassing calls back to back from this company. The company went on to reach out to family members that I did not use as references and told them that there is a legal complaint filed against me. By doing this the company is tarnishing my name and reputation by making people think I have committed a crime. I called this company back to see what this was all about they claimed to have sent me paperwork in XXXX that I never received. They then threatened to place a lien on my home and vehicle. I would like this collection matter closed out with this company due to their unlawful practices. I would like this company removed from my credit report and I would like them to cease and desist. I am also looking into taking legal action due to defamation and harassment.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives 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 deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2022-10-13
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:
To whom it may concern, Last year around December I decided to take a look at my credit report and saw that there is a XXXX XXXX XXXX being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2023-12-09
Company: EQUIFAX, INC.
State: FL
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:
I am writing to officially dispute information within my consumer report, as provided by your agency. Upon reviewing a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent, potentially violating the provisions outlined in 15 USC 6802. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was not provided with an opportunity to opt-out, as required by law. 

Upon reviewing the report, I noted that certain accounts are being reported without my explicit written consent. I want to clarify that my dispute lies not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization. 

Referring to 15 USC 1681b - Permissible Purpose, which mandates consumer written consent for the reporting of personal information, I have not provided such written consent. I kindly request that you provide evidence of my consent to ensure compliance with this legal requirement. Failure to furnish proof of my consent may be interpreted as a violation of my rights under the FCRA. 

I have also filed a report with the Federal Trade Commission ( FTC ), and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may potentially constitute a violation under 18 USC 1028a, resembling a form of identity theft. 

In accordance with 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I assert my right to a fair and accurate credit reporting process, and I believe the prompt removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records proving that I was provided with the option to opt out of the information being reported in my consumer report. This request is essential to ensure your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiry from XXXX. I contacted Equifax multiple times and informed them of the fraud but they did not remove the inquiry. They requested an FTC report which i have provided and still nothing. Under law, they must remove this one inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX Amount {$350.00} Dates XXXX XXXX, XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent in several letters about the mistakes on my report. I have also called in and have not gotten my issue resolved. Yesterday they told me that some disputes were investigated but they sent a letter to an address that was on my profile that was not mine. I have sent letters in that I never got a response to. I sent my last ones in certified. I will attach a copy on my letters that explains my issues in detail.

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 2023-03-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want you to remove the following inquiries as these are violating the FCRA 605B of the U.S. Code 1681C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XXXX XXXX XXXX a fraudulent transaction in the amount of {$1000.00} was posted to my account with Capital One checking and I called that day to dispute the transaction and shut off my debit card. On XXXX XXXX XXXX Capital One credited my account {$1000.00} while starting the investigation. On XX/XX/XXXX, without any warning or any communication from Capital One on the matter, capital one reversed the credit to my checking account causing my account to go into the negative. I immediately called to see why they reversed the credit only to be told that the investigation proved that I made the transaction. They have still not credited the {$1000.00} back to my account nor have they provided me with any details on their investigation or asked for any supporting information on my part to prove I didn't make the charge. I don't even know what XXXX XXXX ( the transaction name ) is but if it has anything to do with XXXX, I can prove that I have never spent a dime through that site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions 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:
Experian has yet to remove this account from my credit report. It has been deemed as fraud and incorrectly reported as it has inaccuracies, by both XXXX  AND XXXX. I've contacted XXXX XXXX and XXXX XXXX over the phone and they have basically changed the accounts number and balance multiple times as if that would be legal on anyones account. And they've told me due to this fraud account being in their system for at least 2 years, they cant manually remove it and i must reach out to the credit bureaus for removal. Which i did, Both XXXX and XXXX  have removed it, only Experian has been non-compliant and very unprofessional in regards to honoring my credit rights under FCRA. Experian has taken it upon themselves to unlawfully report false information on my credit report and I'm going to file every possible complaint every where until they fix this error. 

XX/XX/2021 XXXX PACIFIC COAST TIME, ON A 41MIN PHONE CALL, I LAST SPOKE TO A LADY NAMED 'XXXX  ' AT THE OHIO LOCATION OF XXXX/XXXX  XXXX, SHE'S FROM THE INVESTIGATIONS DEPARTMENT. SHE TOLD ME WHAT I SAID ABOVE^

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 2023-05-25
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:
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. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : 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 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.

I want all accounts removed 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 non-monetary relief
Consumer complaint received 2022-01-20
Company: Credit Control, LLC
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/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by XXXX XXXX, XXXX. I had no prior knowledge of this alleged debt and I have never given XXXX XXXX, XXXX and other companies who are associated with them such as XXXX XXXX and Credit Control XXXX LLC  my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with XXXX XXXX XXXX No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). XXXX XXXX, XXXX is a third-party debt collector. XXXX XXXX, XXXX has furnished information on my consumer report without my knowledge and permission. I have sent XXXXXXXX XXXX XXXXXXXX and all associated parties such as XXXX XXXX, XXXX and Credit Control LLC a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.

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 2021-01-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Sir, I have a TD card that I used, and I am always making my payment on time. 
I hardly missed a payment. During COVID, I struggle to pay my billed due to covid but I do pay way payment beyond the minimum payment. I was late with one of my payments and TD charge me a late fee of XXXX. I called TD and explain why my payment was late due to COVID but they refuse to listen and refuse to waive the XXXX late fee. 

I am not asking TD to suspended my payment, I am just asking to wave the late fee of XXXX, and they refuse. Please help me get this late fee waive. 

Your assistance will be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : 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. 

XXXX Account Number : XXXX Account ID : XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX I Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXXXXXX XXXX XXXX XXXX/ Account Number : XXXX XXXX XXXX  Account Number : XXXX Account ID : 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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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