BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
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:
A collection account listed under XXXX in the amount of {$310.00} is currently on credit report. I have no knowledge of such debt owed. My dispute is based on the fact that I have never received a legally required debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809, 15 U.S.C. 1692g. The FDCPA mandates that within five days of the initial communication with a consumer regarding a debt, a debt collector must send a written notice that includes : The amount of the debt.

The name of the creditor to whom the debt is owed. 
A statement that the consumer has 30 days to dispute the debt 's validity in writing. 
A statement that, upon receiving a written dispute, the debt collector will obtain and provide verification of the debt. 
A statement that, if the consumer requests the name and address of the original creditor, the debt collector will provide that information upon request. 

I wish to inform you that I have not received such a debt validation notice via mail or electronically from the collection company or any other entity. As a consumer, I have the right to request and receive this information to verify the validity of the debt in question.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my and instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX transunion I am writing to dispute several items on my consumer credit report that I believe are inaccurate and should be removed immediately. I am invoking my rights under the Fair Debt Collection Practices Act ( 15 USC 1692 ), specifically sections 15 USC 1692 G, 15 USC 1692 I, and 15 USC 1692 E. 

Upon reviewing my consumer credit report, I have noticed the following items that are listed as negative and not accurate : - 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 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 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 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  have evidence to support my dispute and request that you investigate these items and remove them from my consumer credit report as soon as possible. I am also requesting that you provide me with a copy of my updated consumer credit report once these items have been removed. 

I would like to remind you that as a credit reporting agency, you have a legal obligation to ensure that the information on my consumer credit report is accurate and up-to-date. The Fair Debt Collection Practices Act ( 15 USC 1692 ) provides me with certain rights to dispute and remove inaccurate information from my consumer credit report. 

I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, 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 2023-08-07
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:
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 2023-08-07
Company: Experian Information Solutions Inc.
State: MI
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/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

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 2023-08-15
Company: Experian Information Solutions 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:
THEY CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: CA
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:
Act # XXXX with XXXX  has been settled no balance due. Credit report needs to be updated and its not getting updated with agencys.

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 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/2021 I used my Capital One credit card to send funds to pay for some airline tickets to a travel agent in XXXX. The travel agent required the XXXX service for this transaction. I was unaware that this is treated by Capital One as a Cash Advance, for which I was charged a substantial fee of {$100.00} ( {$53.00} + XXXX ). I was already charged an initial fee by XXXX for using the Credit Card and I did not expect for these additional fees to be charged to my account. I have always paid my bills on time and avoid paying interest and fees as a general rule. I would have used another method of payment if I was aware that these charges would be imposed. Furthermore, in addition to the Cash Advance fees, I am also getting charged interest because of the Cash Advance. The interest rate for Cash Advance is 24.90 %, while I have pretty much always avoided interest by paying my previous statement balance in full every month. I did not receive any type of notice before proceeding with my transaction that Capital One would process this as a Cash Advance. I DID NOT go to an ATM and use my credit card to withdraw cash. I have already spoken with Capital One and they claimed they could do nothing for me. I feel that this is a UDAAP violation as a Deceptive practice, as well as Abusive. I am getting pummeled with a huge interest rate and will now continue to do so until I can pay my card completely down to {$0.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
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:
In accordance with the Fair Credit Reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXN # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish 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 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable 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 2019-04-29
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a line of credit at XXXX XXXX for services. I only intended to spend around {$400.00} dollars, but the company pre-approved me for {$7000.00} and ended up receiving around {$1500.00} in services. The credit was through XXXX XXXX. When I received my first statement, XXXX tried to collect over {$5300.00} from me. 

It turned out XXXX XXXX submitted charges for services never received for commission purposes. It took months to get my account corrected. I also filed a complaint with the MO Attorney General 's office and the XXXX  because the agreement I signed was NOT for {$5300.00}, but the {$1500.00} I actually spent. That means they copied my signature to another contract ILLEGALLY! After communication between those parties, I was advised that my bill would be corrected. Additionally, they agreed to removing the promotional financing and allow me to pay my bill at my leisure ; as long as I never missed a minimum, required payment. Which I never did. 

When my bill was down at {$300.00}, they tacked on promotional interest based on the initial, fraudulent, $ 5300+ bill! Again, I contacted them alerting them to the error and reminded them of the previous agreement. Instead, they only adjusted the amount of the promo interest to $ 500+. Again, I called to remind them that I was not subject to the promo interest based on the original agreement. They plead NOLO. The paperwork they provided to verify I owed this money was the fraudulent contract showing I owed $ 5000+. 

My portion of the charges are likely paid in full and my min. payments are going towards promo interest I should not be paying. I just want them to honor the original resolution to the shady business they pulled! I guarantee you I am NOT the only one this happened to. I understand that the Manager and the Sales person were fired due to my situation at the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I hired an independent contractor to build a porch. We communicated both in person and via email. He said he required no $ down until the job was finished but I then received an email from him requesting 50 %, {$2100.00}, due to the high cost of supplies. I sent it via XXXX to the link he provided. When the job was completed, I said that I had paid him 50 % and he said he had never requested that. I showed him the email and he said it was not him. I contacted BOA immediately and filed a complaint. They temporarily refunded the # but took it back on XXXX after they sent a letter saying they were unable to approve the claim. They furnished the recipient providers name, XXXX, their email, XXXX, and their phone #, XXXX. I went to the XXXX, NY office and spoke with XXXX, who put me on the phone with XXXX from their fraud dept. She said it did not fit their definition of fraud and there was nothing more they could do. I then spoke to one of her supervisors, XXXX, who also said the same thing. He said he was giving it to their scam tracker dept. but that there was no way I could speak with them. IF they recover the XXXX I will get it back. I told him that I was reporting this to the XXXX XXXX XXXX XXXX XXXX who has now forwarded it to you, I believe, and the BOA and also suggested that I file a complaint with your dept who has jurisdiction over the subject matter of my complaint. I do not understand why the BOA is not more persistent in recovering the XXXX We have been with BOA for decades. I am hoping that you can be more affective that the BOA. Sincerely, l 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 2023-05-06
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:
This is my sixth endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}

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 non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance XXXX {$330.00} ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC 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 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive been in contact with Transunion over the last several months regarding identity theft. I notified them about my case and they have deleted some of the fraud accounts but others still remain. Most recently I sent them a copy of the police report I filed as well as a copy of my credentials proving my identity, and a copy of the 605B law stating they must remove the accounts. Transunion failed to remove 3 accounts and then then sent me a letter on XX/XX/XXXX stating they want to start an investigation instead of removing the accounts. XXXX  and XXXX has already removed the accounts in question after they determined they are due to fraud. This morning ( XX/XX/2019 ) I called Transunion and the agent couldnt find any documents in their system that I sent to them. They are extremely unorganized and this is very unfair as my life is at stake here. I am displeased at the poor job they are doing to protect consumers.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/. I noticed some activities on my credit report that werent mine. So I contacted Experian XXXX, XXXX XXXX and XXXX XXXX and disputed all the inquiries credit cards and auto loans that I didnt recognize and did not authorize. When I filed a dispute, I furnished a police report for identity theft with a list of all the fraudulent accounts. 
A year later, some of the inquiries have been removed. None of the credit cards or auto loan has been removed yet regardless to the fact that Ive disputed these accounts numerous times since then, informing the credit reporting agencies that they are reporting inaccurate and fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was and currently a Wells Fargo account holder and I was not notified by Wells Fargo bank about the illegal charges or fees that was charged on the accounts in the years from 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 2019-11-15
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair 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 explanation
Consumer complaint received 2023-12-30
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
MY CARD WAS LOST AND THERE WAS CHARGES ON THE ACCOUNT I DID NOT AUTHORIZE BY SOMEONE ELS, I CALLED THE BANK AND TOLD THEM ALSO MY PHONE NUMBER WAS NOT UPDATED ON THE ACCOUNT AND SOMEONE VERIFIED THE CODE SAYING IT WAS ME MAKING THE TRANSACTION AND IT WAS NOT ME OR ANYONE I KNOW. THE TOTAL WAS {$6600.00} ON THE FRAUDULENT CHARGES ON THE ACCOUNT.

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