BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reporting act the list of the accounts below have 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602 A 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 an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Dynamic Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company DYNAMIC RECOVERY SOLUT XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DYNAMIC RECOVERY SOLUT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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:
This is in reference to complaint submitted to the CFPB : XXXX. This company has failed to provide specific documents and is still within violation of the federal law that governs them as a debt collector. As a natural living person and consumer I am writing in regards to the alleged debt associated with XXXX XXXX account number ending in : XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide evidence of a forward flow agreement between your agency and the original creditor, and not merely a bill of sale, to establish the validity and legality of the debt in question. This includes documentation that clearly demonstrates that I have knowingly and willingly entered into a contractual agreement with your agency, outlining the terms and conditions of the debt. I have sent multiple complaints about this company violation of federal law. This company is complicit at this point in the federal law that governs and regulate them. They responded with false documents and did not provide proper proof per the law and regulations. As per the Uniform Commercial Code ( UCC ), a credit card is not a negotiable instrument that can be used to collect on a debt. Furthermore, the charge-off of a debt is considered income and reporting it as a debt is a violation of the FDCPA. I am also aware if there is a 1099-C for this alleged debt, it will be illegal for you to continue collecting on it. Therefore, I demand that you delete the account from my credit report and cease all collection efforts immediately. Please provide documentation to confirm that you have ceased all collection efforts and have deleted the account from my credit report. Please note that any failure to comply with this request may result in legal action being taken against your agency. Thank you for your attention to this matter.

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 2021-11-24
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, I sent written correspondence via Certified U.S. mail to TD Auto Finance requesting that they delete inquiries on my credit reports ( XXXX, XXXX, and XXXX ) dated XX/XX/2021, considering that I did not authorize anyone employed at TD Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to TD Auto Finance bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Received letter dated XX/XX/19 closing account to dishonored payments. Upon inspection I have made several calls and payments in the last 3 months since Synchrony Bank has taken over this account for Sams Club. I have also received two refunds for late fees. I have made over a dozen calls to Synchrony Bank to get this corrected as it may effect my credit and we are looking at buying a new car. I pay my bills.

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 2023-08-14
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have contacted FNBO several times in the past in regards to a dispute on my credit card for services not rendered. I also indicated, if there was any questions and/or clarification to please contact me. On XX/XX/2023, I received a letter from FNBO stating that they sided with the merchant due to the contract that was provided from the merchant. I contacted FNBO customer service at XXXXXXXX XXXX to inform them that the contract provided to them was not signed by me ( fraudulent ) and I was informed by customer representative, XXXX after a lengthy hold that a supervisor is not available. I called back at XXXX and once again requested a supervisor with customer representative XXXX XXXX After a lengthy hold with no supervisor, I disconnected. After working in management in a call center, I find it extremely difficult for no supervisors and/or managers to be available! I see that FNBO has a 1 star on the XXXX website from multiple consumers, now I clearly understand as to why that is!! 

As of XX/XX/2023 my complaint with the BBB has been ignored from FNBO.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: MI
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:
I filled a dispute with Experian and was unable to get XXXXXXXX XXXX # XXXX removed from my credit report 1.This account was included in my bankruptcy 2.The account was paid in full before I filled bankruptcy I would like to have this account Removed Or be paid {$1000.00} for having my right to privacy violated because I did not give consent to have my information shared

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, Transunion, XXXX, XXXX, and XXXX and they refuse to remove the invalid bankruptcy on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, XXXX can not explain why there is a fee of {$1500.00} that no one can explain to me. This amount just showed up my latest statement. Please see attached. 
I have a serious problem because I have been approved for the Lead program, Weatherization program, and a grant to assist me with repairs. 
The XXXXXXXX XXXX XXXXXXXX will not continue with my application because of these fees assessed on my statement. The weatherization folks came out and determined that I need a new heating system but can not do the work until the City signs off on my application. 
Your immediate attention regarding this matter is greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: LA
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 have notified XXXX, XXXX, & Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX CARD, XX/XX/XXXX XXXX XXXXS XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX BANK XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX CARD, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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: Experian Information Solutions Inc.
State: NE
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 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 explanation
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
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 my 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an issue with my experian credit report, it's showing that my closed account with XXXX is paid but foreclosure procedures started in XX/XX/XXXX. This is incorrect information as the account was paid in full in XX/XX/XXXX. I have disputed this information for the first time in XX/XX/XXXX. I have a letter from XXXX supporting this information and I have presented this to experian. The dispute results states that they contacted XXXX and they said the report is correct despite the legal document that I have, signed by XXXX and issued on XX/XX/XXXX stating the contrary. 

I have contacted experian multiple times to get help on this issue but they won't change the report affecting and damaging my ability to get any type of credit due to incorrect information in their report. In my last call to experian ( XX/XX/XXXX ) the operator told me that i have to contact XXXX as they can not change my reporting even with the legal documentation i have provided showing the opposite.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late regardless of the fact that I am always on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I inadvertently ordered two " samples '' from a pop up ( XXXX XXXX AKA XXXX XXXX ) which apparently automatically registered me for recurring expensive monthly orders. I tried to deal with XXXX XXXX/XXXX but they refused to issue credit for the orders that they sent and I refused. They did agree to stop the recurring deliveries. I called Capital One and the agent I spoke with said he was very aware of this company 's bad practices and when he called them they refused to deal with him. He told me I would have to speak with " Transaction Support Team ''. After speaking with them they must have called AXXXX XXXX because a credit appeared on my statement. But then two days later, XXXX XXXX billed me for even more money. 
I contacted Capital One who kept issuing temporary credits, then debiting them perhaps because the pop up company wouldn't deal with them either or they thought they were duplicates, who knows. Each time I spoke with a Capital One rep they would finally say they understood the issue ( it was complicated because of all the credits and debits, rebills, etc. ) but they would direct me to their " Transaction Support Team '' : who, again, would eventually say they understood the issue but I would have to write a letter. 

The response to each of my letters was a similar form letter saying they had already taken care of it when they had not taken care of anything. I doubt they took the time to even understand the issues since their assumptions about the problem were incorrect. 
The last time I spoke with someone on this " support team '' he assured me that we understood each other ( after over an hour on the phone ) and that all I had to do is write one more letter. He even told me exactly how to phrase my request. I did as he directed and only received a copy of the same form letter in response. I give up trying to work this out with the Capital One " support team ''. I want to cancel the credit card but think it's better that I don't until this is settled and I will not give up until this is resolved properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello and been trying to get a loan from my bank to get a new car but they told me that I have some inquiries on my credit that I have no clue about. it says I got hard inquiries I dont know how I owe I pay all my bills on time so I feel as though someone must of used my information to apply for something I supposedly owe {$1600.00} for something I dont even know about. I just want it off of my records please so i can get a new home for my daughter and myself a new truck but according to my bank records they told me thats why I didnt get approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation