BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: SELECT PORTFOLIO SERVICING, 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:
XXXX was sued for FCRA violation in 2021. XXXX still engaged in willful FCRA violations even after the lawsuit. As part of the Settlement XXXX will not allow any fraudster or promoter to look into my credit without my permission. XXXX violated the Terms of the Settlement in 2021.

( 1 ) XXXX allowed the following fraudster to look into my credit without my permission. 
Date of request ( s ) XX/XX/2021 SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX This fraudster and its CEO were also warned NOT to look into my credit report in 2021. But their criminality continued ( 2 ) XXXX reports wrong address ( below ) in my credit report XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. This has been going on for last 2 years and it was resolved in the Settlement. XXXX breached settlement ( 3 ) XXXX did not correct the balance as of my XXXX XXXX XXXX, as of the date it was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
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:
Ordered a PC from XXXX XXXX XXXX Order # XXXX. 

They applied with XXXX with partial of the cost to their " payment system '' to pay off over time. While I put some upfront, the rest I applied for credit for. 

Upon having issues with XXXX filing several complaints and dealing with fraud on their side since I didn't receive the item I purchased. Rather I receive a fraudulent computer with removed serial numbers. Which is against the law. I called up XXXX to let them know that the item was counterfeit. They couldn't find any account information, only that it was attached to my social security number. 

EVERY XXXX attempt I made to get it changed for my personal information, I would have to talk to some XXXX who can't speak english and then deal with their nonsense of NOT UNDERSTANDING ANYTHING. I am saying. Then told me they couldn't access or " Prove '' who I was. When I was literally sending them multiple ID 's. 

I finally reached a manager at one point and sent over the information of the missing parts and PC with the FTC complaint and the PC being junk. The XXXX company also claimed that they wouldn't give me the serial numbers and " didn't have them ''. 

I was told that they would handle it with their fraud team. I was called from their fraud team a few weeks later. We settled the issue, as I thought. Because I dictated to them the penal codes and XXXX  XXXX that was going on. They claimed the issues was resolved. Here I am several months later seeing that it wasn't. AGAIN, calling their XXXX office up to deal with the same XXXX. Only to get the same runaround. They can't prove who I am. 

SO OBVIOUSLY. It's not my debt, if they have no idea who I am and someone used my Social Security number to make the account. If I can't pay the XXXX bill or am allowed to discuss it. THEN ITS FRAUD. The company supported the fraud and is continuously supporting it by not allowing me to do anything with it. Catch 22 fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: PNC Bank N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
PNC purchased the bank I had an account with. 

After reviewing several consumer complaints against PNC, and experience egregiously long hold items and poor communications from PNC, I closed my account and transferred 100 % of the funds to the XXXX XXXX XXXX XXXX several months ago. 

Any fees charged for closing or for a closed account are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
criminal record was added to my credit report and has violated my rights. 
XX/XX/2022 this is in accurate 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 2022-05-23
Company: EQUIFAX, 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:
criminal record was added to my credit report and has violated my rights. 
XX/XX/2022 this is in accurate 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 2022-07-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
IN XXXX OF 2021 I DISCOVERED THAT A FRAUDULENT CREDIT CARD WITH CHASE BANK HAD BEEN OPENED UNDER MY NAME. THE BALANCE WAS XXXX USD AND ALL OF THE TRANSACTIONS WERE MADE ON XX/XX/2021 IN XXXX, ARIZONA. 
I IMMEDIATELY CALLED THE BANK AND THEY CANCELED THE CREDIT CARD. I ALSO WENT TO THE POLICE TO FILE A REPORT AND CALLED THE XXXX CREDIT BUREAUS TO INFORM THEM THAT I HAD BEEN A VICTIM OF IDENTITY THEFT AND PUT A FREEZE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
n 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 list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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:
The companies listed in this complaint are indeed financial institutions defined under Federal LAW which they should know.

Title 15 USC 6802 6803, 6804 The Gramm-Leach -Billey Act ( GLBA ).

Congress wrote into LAW Financial Institutions MUST provide federally protected consumers like myself a NOTICE giving me the right to OPT -OUT of credit reporting and they DID NOT. 

The Law also states that they can not transport My non public personal information without my CONSENT/ PERMISSION! And if they do then this is ID Theft!!!!! 

Additionally, these XXXX companies continue to illegally VERIFY with your consumer reporting agency when my dispute is based Solely upon information that they are illegally reporting when Federal Law says they must provide NOTICE before reporting my PRIVATE information. 

How can these companies report then ILLEGALLY verify information that shuld not be reporting on my consumer reports in the first place? 

Delete these accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX - # XXXX XXXX XXXX  - # XXXXXXXX XXXX XXXX- # XXXX XXXX XXXX - # XXXXXXXX XXXX XXXX - # XXXX I never did business or signed any contracts, notices. They have NO right to report my NON PUBLIC 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 non-monetary relief
Consumer complaint received 2023-06-05
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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2022-05-23
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid 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:
Unknown to me, my Capital One  XXXX card, with a reward balance of XXXX was closed. Details below. 

At some point in mid XXXX XXXX XXXX  I attempted to make a purchase with my Capital One XXXX card. It was declined. I called the company and was asked to send in proof that I was the account holder. Capital One sent me a link to upload pictures of the front and back of my drivers license. Which I did. 

After not hearing from them for about a week I called back. The representative said the bar code on the back of my drivers license was not clear enough and asked that I go through the upload procedure another time. Which I did. 

Again I called them back after a week or so. Still they could not verify account. 

Next, my wife, who is on the account and I went to the local branch office with our IDs in hand and they still were unwilling to verify that I was indeed the account holder. 

The next correspondence I receive from Capital One is a letter stating my account has been closed. 

I called them and asked what happened. The representative stated I was sent notice that I had 45 days to rectify my issue or they would close the card out. I never received such a notification. Ive attached a screenshot showing only one document from Capital One sent to me in 2023 and this was the closure notice. 

Attached is the closure letter, my last credit card statement showing my reward balance and a screenshot showing all correspondence from Capital One in 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: IL
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:
Dear Sir or Ma'am : I have made several attempts to have an item on my credit report reinvestigated to no avil, not only did XXXX take longer than 30 days to respond to my initial request, they also failed to send me any documentation verifying the accout. I have sent out 3 letters and they have refused to remove the infomations of varify it as accurate. I had the same issue with Experian, they didn't even give me the courtesy of responding to my letter with a return letter.

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 2019-06-24
Company: Experian Information Solutions Inc.
State: OH
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 TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.

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 2023-05-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Name : XXXX XXXX XXXX : XX/XX/1979 Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Credit Bureau Name : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX I Need These list of Incorrect/Misspelled NAMES, ADDRESSES & EMPLOYMENT INFO Removed & Deleted off my Report Because they Are Inaccurate! 

Incorrect Names : XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX Incorrect Addresses : XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Employment info : XXXX. ) XXXX Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Transunion about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$670.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00}, XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ). Its been over XXXX days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: NY
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-05-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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