BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: AZ
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2018-12-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that  the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: First Advantage LNS Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX Regional Manager at XXXX XXXX wrote me in response to my inquiry about the {$280.00} NCAC Debt Collections : That she couldn't see where XXXX XXXX ever sent my account to Collections ; and, did not see any judgment entered against me. 
I made the inquiry to XXXX XXXX because XXXX XXXX, XXXX XXXX told me about the debt being an obstacle as far as my name being added as Lease Holder at XXXX XXXX XXXX, XXXX, XXXX, Delaware XXXX. 
No one at XXXX XXXX, XXXX XXXX and NCAC COLLECTIONS has contacted me about the alleged debt before I emailed them after hearing about this alleged debt from XXXX XXXX. I have not received any written communications by U.S. MAIL from XXXX XXXX or NCAC Collections regarding this debt. 
I received a copy of my XXXX credit report today in the mail and indeed it has been on my report since XXXX. And, it is noted that XXXX XXXX XXXX is last recorded for checking my report. My application for an apartment there in mid XXXX was denied. 
XXXX XXXX, after consult with NCAC XXXX XXXX changed her story. Then referred me back to NCAC. To this date, I've not received any correspondences by U.S. Mail for XXXX XXXX and NCAC Collections. I want to see what documentation they provided to Credit Bureaus to support " Fair Credit Reporting '' other than their ledger. I want to their proof that I was notified in writing by XXXX XXXX XXXX  or certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: AZ
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy Discharged 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 2018-04-29
Company: Diversified Consultants, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor is from XXXX XXXX XXXX opened XX/XX/2017. They are attempting to collect {$110.00}. I have no knowledge of this account because I did not use this cable company during that time ( I had a XXXX XXXX ) I didnt even know about the debt until I looked at my credit report. I received no calls nor letters. I asked if I paid it ( even though its not mine ) would they delete it off my report and they declined. I do not appreciate this company tarnishing my credit and would like this to be removed as soon as possible. Thanks in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 asked the credit bureaus to validate accounts and verified inquiries on my credit report that I didn't authorize. They didn't fix anything. Please help and see attached documents.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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 Fir Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is not mine and it came back verified. 

15 U.S c 1681 Section 602 A states I have right to privacy 15 U.S c 1681 Section 604 A section 2 It also says a consumer agency can not furnish an 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 2021-03-22
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: Reporting company used your report improperly

Complaint:
I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! 

XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW 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 explanation
Consumer complaint received 2019-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Around XXXX, XXXX XXXX, I have opened a checking account with HSBC bank an " Advance checking account '' after I have received an offer in my mail from HSBC with a personalized code which i have used that advertised the following : " you will receive {$400.00} bonus after you meet certain requirements .... ". I have used the code and met all requirements and one year later I did not receive nothing. I have sent a previous complaint regarding this issue and the bank responded to me by a letter on XX/XX/XXXX that claims that I was ineligible for the offer because I did not use the personalized code. 
Indeed, that is not true, they are clearly lying because I have used that personalized code and I have proof of doing so. The personalized code is " XXXX '' on my online application! and I have also mailed the code to the bank along with a check of {$10000.00} around XX/XX/XXXX. I also still have a copy of the code which I have attached to this complaint along with the bank 's response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Lendmark Financial Services
State: VA
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 called Lendmark Financial Services via phone, spoke to XXXX at the Credit Bureau Information desk. Lendmark was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at Lendmark, submitted supporting documentation that proved all payments to Lendmark were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, XXXX is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my XXXX report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove fraud alert from all XXXX credit bureaus ( XXXX, XXXX, & Transunion ) account in order to obtain funding for homebuying shopping.

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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
XXXXXXXX XXXX Never notified me of there investigation related to my checking account ending with XXXX. When the account was charge off no notice. I found out by chexsystem a year and half ago. I don't agree with the debt. This doesn't extend or re age 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
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report 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 explanation
Consumer complaint received 2021-04-12
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: Information is missing that should be on the report

Complaint:
There is NO WAY XXXX XXXX, XXXX  or Experian can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between XXXX and XXXX, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held hostage by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/

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 2023-12-13
Company: Experian Information Solutions Inc.
State: IL
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 explanation
Consumer complaint received 2023-01-07
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: Account status incorrect

Complaint:
My XXXX XXXX XXXX card previously reported my account 30 days delinquent for XXXX XXXX XXXX. I filed a complaint, and demonstrated that I was not delinquent for XX/XX/ and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent for XX/XX/. I filed a complaint and demonstrated that I was not delinquent for XX/XX/. They removed the XX/XX/ delinquency from my report, then a week later they reported me 30 days delinquent for XXXX again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XXXX XXXX XXXX XXXX XXXX payments

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 2022-09-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid 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:
XX/XX/XXXX XXXX contract signed and {$400.00} paid to merchant on Chase credit card ending in XXXX. 

XX/XX/XXXX Merchant refund {$400.00} to card ending in XXXX because she wanted deposit paid via XXXX. 

XX/XX/XXXX {$400.00} payment made via XXXX connected to chase debit account. This is our nonrefundable deposit that was never refunded. 

XX/XX/XXXX Second payment made of {$420.00} paid to merchant on Chase credit card ending in XXXX. This was never refunded, this is the dispute in question. This {$420.00} was {$400.00} plus {$12.00} taxes and {$12.00} credit card fees. Invoice provided. This is the payment that should be refunded based on cancellation contract. 

XX/XX/XXXX Cancellation contract signed stating merchant owes customer {$400.00} refund. Merchant states in email as well that she will refund {$400.00}. 

After disputing the {$420.00} payment with Chase, their dispute department waited too long to act and then refused to refund the payment. Their internal " audit '' found no wrongdoing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Capital One QUICKSILVER Credited My What Have Should Been An Open End Account XXXX XXXX XXXXXXXX But Now Are Attacking My Credit For Almost Double The Amount. Its Very Unfair The Tactics They Performing Against Me. I Have Tendered My Payment In Good Faith No Response Means They Have Accepted My Payment In Tender But Closed My Account & I Still Owe How Is That Possible. I Called Before XXXX  & Before The XXXX XXXX XXXX XXXX XXXX New York To Pay In Good Faith & They Refused My Payment Numerous Of Times.the APR is way of New York States Requirements which is XXXX  %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

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