BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: EQUIFAX, 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 belongs to someone else

Complaint:
XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX   Inquiry from XXXX  XXXX, 2016 + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX. XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX XXXX.

To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Thank you.

Sincerely, XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have used the CFPB to complain, dispute and ask Capital One NA to validate/Verify this debt. I accept and am willing to pay this debt if COAF can provide me the instrument, promissory note, Note, XXXX XXXX, the instrument that was securitize my signature and gave them the right to the security interest that I was not told I would be giving them. I sent XXXX XXXX ( indenture trustee ) my notarized affidavit of truth via certified mail I also sent Capital One the same affidavit and XXXX None has rebutted in fact Capital One stated they dont have to and the are correct but that means what I stated stands as Truth. Capital One has a fraudulent lien on my property the did not file a XXXX because they cant. Without a court order they can not repossess my property. I have ask the if they have a license to do business in DELAWARE the Sec of State say they do not. They are also reporting inaccurate information to the CRAs. I have sent in my Rescission and they have yet to send my money order XXXX hasnt either. Attached is the proof that the NOTE Im asking for has provided cash to different Banks that has not paid XXXX XXXX to IRS this NOTE provided Im not in a bonding contract because this Note only has my Signature and Capital one has Broken the law and is committing fraud Identity Theft and Tax evasion and fraud as well. I have contacted IRS. Im asking for what the required!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need help.

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 2018-08-27
Company: Global Credit & Collection Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Friday, XX/XX/2018, XXXX XXXX called my place of employment ( XXXX XXXX  ) and demanded to speak to me. Our receptionist told XXXX that I was teaching and could not leave my class to answer the call. Our receptionist said that XXXX went " crazy '' on him because she didn't like his answer. Our receptionist said that XXXX was rude, unprofessional and would not stop yelling at him. XXXX told our receptionist that she was on her way to serve me papers, and that everyone should be prepared. Our receptionist gave me the following contact information : XXXX XXXX, ( XXXX ) XXXX, and my case number. Note : XXXX would not release the name of her company. 

XXXX called back a few minutes later and got the second receptionist at the school office. Yelling again, XXXX told the receptionist that she needed to make sure that someone was there because she was coming to serve me papers that afternoon. In fear, this receptionist transferred the call to my supervisor ( school principal ). The principal told XXXX that she would take a message. 

Given XXXX 's aggressive nature and potential hostile situation, the Principal summoned the city police to the school office!!! 

When I was called to the Principal 's office, I was met with the school principal, our Superintendent, and the city police - not to mention a few other building teachers who walked in to see what was going on. 

XXXX 's unlawful behavior caused me a great deal of humiliation and scarred my reputation that I have established in the past 22 years at the school. 

Please help me close down this unlawful company so they can not continue to ruin one 's employment, character and livelihood!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Specialized Loan Servicing Holdings LLC
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:
So Im submitting it again hopefully for the last time. XXXX and XXXX been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, SPEC LOAN SV XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 explanation
Consumer complaint received 2021-12-05
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: Information belongs to someone else

Complaint:
AS I REVIEW MY CREDIT REPORT TODAY I NOTICE THAT THERE WERE SEVERAL INACCURATE ITEMS THINGS FROM 7 YEARS AGO AND NONE OF THE BIG 3 WILL CORRECT THEM THERE ARE ITEMS ON MY REPORT THAT I NEVER HAD ANYTHING TO DO WITH I HAVE BEEN ASKING FOR HELP NOW FOR 5 YEARS AND IT SEEMS NO ONE WILL HELP ME WITH THESE 3 COMPANIES THERE ARE ITEMS FROM XXXX SHOWING ON MY REPORT WHICH ARE PASS THE 7 YEARS BUT WHEN I CONTACT THEM THEY SAY THE DATE START OVER. I HAVE NOW NOTICE HOSPITAL BILL ON MY REPORT I HAVE NOT BEEN TO THE HOSPITAL IN YEARS ABOUT 20 SO HOW DO I OWE A BILL MY WHOLE REORT IS BEING REPORTED INACCURATE I DONT KNOW WHAT ELSE TO DO BUT TRY AND GET A LAWYER I PRAY THAT THE CFPB CAN HELP WITH THIS PROBLEM. 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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXXXXXX

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 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 completely ignored my concerns.

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 2021-12-22
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 I attempted to view my account information at XXXX XXXX. My wife passed away recently so they restricted my access to our joint accounts. First call 39 minutes and no resolution. Second call 39 minutes managed to open an account to transfer all funds to since the joint accounts are no longer valid. Third call 50 minutes and still they can not provide even view access. I tried to escalate up their management change and got ran in circles and put on long holds. The automated system to direct calls is maddening. Around in circles before a human can be reached. I finally got them to update beneficiaries properly as they did not even ask as I opened the account with them today over the phone ( due to lack of on line access to any information or functionality ). They still have not given me access and stated they will call me later today with an update. Virtually all day without system access. Big problem when your business model is self service on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, this Creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says have the right to Privacy. 15 U.S.C 1681 section 604 A section 1 t also states a consumer reporting agency can not furnish an account without instruction. Under U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: U.S. BANCORP
State: MO
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:
I was approved for a U.S. Bank XXXX XXXX credit card. 
This credit card has been a nightmare. 
At no point and time was I alerted or instructed to set up a " Central Billing Account. '' Every time I logged into my account it showed no balance due. 
No payment is due for months. Then I get a letter in the mail with a different account number saying my payment is late. 
I call and an hour + six customer service representatives later, they said that when I was approved for the card, someone should have setup my Central Billing Account. No one did that. I didnt do it because I didnt know it was a thing. 
This is my fifth biz card with U.S. Bank and no other card has this. I have literally never done this with any other business card, and even with U.S. Bank. 

I tried to setup the new Central Billing Account but it says my account doesnt exist. 

Ive called and emailed U.S. Bank. Theres one person whos been handling my issue. Her name is XXXX XXXX XXXX had 29 emails and multiple phone calls. No joke. 
She said my bonus has been posted but its not showing up in my rewards section. 
Shes called multiple times, shes contacted the business department, and she has worked her tail off to find out : why cant the central billing account be set up, why its erroring out when I try to do it and most importantly to me where is my {$500.00} bonus AS WELL AS I over paid while with a customer service representative and I have a {$40.00} credit on my account, that I can't open or use. XXXX XXXX, reached out to someone in business credit card department and he said he had to contact one of his supervisors.

This has been going round and round and round and round. Literally, who should have to email 29 times? 

I got my statements but they were only from my credit card account number, never through a central billing account. 
Mine always saying, New Balance {$0.00} Minimum Payment Due {$0.00} Payment Due Date XX/XX/2022 ( etc ) How I found out, was receiving a past due notice about my Central Billing Account ( one I didnt set up NOR anyone from U.S. Bank setup ). 

I should have my {$500.00} + my {$40.00} credit and access to my account. 

This is ridiculous. No other bank would have done this. 

There is so much to send here and unpack. I'll forward you every email I've received in trying to handle this mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
USAA has ceased response to claim XXXX. They continue to NOT address any questions I have. Also, they promised to send a payment to the financing company to pay off the vehicle, which is deemed a total loss. So far, they have not taken any action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Accordingly, as per the fcra you were required to conduct a reasonable investigation and delete the disputed information as requested XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX before the end of the 30 day period of the day.You received my dispute letter on XXXX XXXX thetefore are response was due XXXX XXXX. instead of sending me a response letter within a result of a instigation of the disputed information you mail me a letter daily claimant whatever verbiage Verified. 
clearly you have willfully fell to delete the disputed information requested.In lieu fully fail to conduct a reason above this concerns me as i do not understand how you arrived at this conclusion since the information is indeed incorrect. 
this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditors associated with my earlier dispute under fcra 611 ( a ) filled with on ( XXXX XXXX ) to be more specific, based on fcra 611 ( a ) ( 2 ) ( b ) you were required to forward all of the relevant information i provided by you to the creditor for their investigation of my dispute .please provide me with all the information you used for your investigation of my dispute. please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
please reply withn 15 days or delete the negative items, as originally requested. below are the items that do not belong to me that you continue to report erroneously. 
cellphone, Account # please note that i am taking this matter very seriously and demand that you follow the law, in it entirely, and send me detailed information of how you arrived at your conclusion, or else remove these items.

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 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX XXXXXXXX XXXX, ACCOUNT NO . XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as XXXX XXXXXXXX XXXX  XXXX 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXXXXXX XXXX has provided me, and I am grateful for the positive experiences I have had as an authorized user.

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.

Company response to consumer: Closed with non-monetary relief