BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 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 that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2022-02-11
Company: EQUIFAX, 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:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 previously submitted CFPB complaint XXXX-XXXX  and XXXX-XXXX to which XXXX with the executive resolution dept was assigned. For the initial complaint, she failed to contact me to even discuss the dispute. I only later found out by one of her colleagues that she had attempted a single phone call but neglected to leave a voicemail for me alerting me to her call. XXXX then proceeded to close out the initial dispute without ever having spoken with me. As a result, her response had many false and misleading statements with many serious omissions. XXXX 's response also failed to address all the concerns raised. In order to answer the flawed and false response by XXXX for Capital One, I filed the second complaint XXXX-XXXX. I called her number and unable to reach her left her voicemails on XX/XX/XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX, XX/XX/XXXX and twice on XX/XX/XXXX. In my attempts to reach her on XX/XX/XXXX after leaving XXXX a voicemail, I called to speak with the executive resolution dept where I spoke with XXXX who stated XXXX was unavailable but would call me back before the EOB and at the latest by XX/XX/XXXX. XXXX and I finally spoke on XX/XX/XXXX where she stated she was unsure why the previous agent didn't do any research and closed the case prior to speaking with me. She would research all the provided documents and get back to me. She kept trying to make excuses as to the reason XXXX refused to accept my return. She didn't seem to understand it didn't matter why the merchant refused to accept the return. The fact was the merchant refused the return in violation of their return agreement provided at the point of sale. By doing so the merchant violated the terms of sale and was also guilty of misrepresentation. Either account is a valid chargeback. 
I find the need to once again bring up federal statues and reference the summary of XXXX v. XXXX XXXX, XXXX, XXXX. Stating that pursuant to 1666 ( c ), the cardholder " need not pay the amount in dispute until the card issuer has complied with 1666, '' and that pursuant to 1666 ( d ), the card issuer " may not restrict or close an account due to a [ cardholder 's ] failure to pay a disputed amount until the [ card issuer ] has sent the written explanation required by [ 1666 ( a ) ] '' I have reasserted my dispute multiple times, and even asserted my dispute under the claims and defenses argument which allows up to a year to assert my dispute. 
Despite this single charge being the only remaining balance on the card Capital One has continued attempts to collect and negatively report this disputed debt without informing the CRA 's the account is in dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08
Company: Alorica Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a credit builder loan with XXXX around XXXX of 2022. Its a loan that was $4000, I received 1500 of it up front and the rest was locked In a savings account held by XXXX XXXX I liked the idea for someone like me rebuilding my credit and XXXX was a reliable company with a great reputation so I I felt at ease borrowing from them. Also one of the biggest draws for me was the automatic payments that happened every pay day so that I didnt even have to worry about making payments and they just came out every time I got paid. I wouldnt even notice it. It was going very smoothly. Until XXXX 2022 I got an email from XXXX  saying they sold my loan to a company called SST (systems and services technologies )Which ok, it happens but I had only really heard of that with mortgage loans not with a loan like this. However XXXX assured me in the email that nothing would change, terms were still the same, auto payments would carry over and that my savings would be safe and I didnt have to worry about a thing. 
Well I should have known when I went to create an account on the new companies site and couldnt see any of my past payments made or any other info on my loan (and still cant) that something wasnt right. 
Fast forward to last Tuesday I get a call at work from someone at SST saying Im THREE payments behind on my loan and I owe them almost $300 immediately. What? I explained the email I got that said my auto payments were supposed to be transferred and that I had assumed they had, because silly me why would a bank lie to me? The man who called from SST looked this up and said oh youre right. I am so sorry about that. But they didnt get set up on our end so now youre behind and we are reporting this to the credit bureau

Lovely. I made one payment like I told them I would right away when I got paid but that I cant pay all three at once. That is NOT what I signed up for. I also didnt sign up for a loan at a shady company that calls and harassed me several times a day over THEIR mistake. I never ever ever would have taken out a loan with a company that operates with a website that has about two features , doesnt show me where my savings account is, what payments have been made, nothing.. and that cant get auto payments set up correctly and that just doesnt care and calls and harasses me over THEIR MISTAKE. And XXXX XXXX .. Im sure they knew in XXXX they were going to sell my loan, I should have been made aware so I could have opted out. 
Im not the only one that feels this way. Theres a whole XXXX  devoted to this topic and people talking about forming class action lawsuits. Two companies took advantage of people who already dont have good credit and are trying to rebuild. Shame on XXXX and sst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to 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

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 2021-06-27
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from a debt collector who did not identify themselves saying they were collecting a debt on behalf of XXXX around XX/XX/XXXX. I did not recognize the charge and pressed for more details. They said I owed XXXX for a trade in that did not happen. When I pressed for more details the collector said they had mailed a letter out explaining it the day before they had called me. I informed the person on the line that I would take no action until I received something in writing. They then hung up on me. I immediately called the financial institution that houses my XXXX financing account. They had no clue what the XXXX debt was and had no records of selling a XXXX dollar debt or sending it to a collection agency. And I have received no written communications or phone calls from XXXX itself to communicate any sort of outstanding debt. 

After, I verified my account was up to date and paid. 

I received a letter in the mail from a company called " Convergent Outsourcing on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX '' charging the XXXX. Dated for XX/XX/XXXX. On the back of the letter it says that unless the office is notified in 30 days, that you are disputing the charge, that they will consider the debt valid. 

A quick search shows many upset consumers are saying that this company has fraudulently charged them and negatively impacted their credit reports. Many other people have been charged for accounts that they do not own. I will not pay this collections notice until I receive verification from XXXX or my financing institution that this debt is legitimate.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-09-03
Company: Experian Information Solutions Inc.
State: ID
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:
I have reached out to all three credit bureaus to fix the accuracy of my reports. they have had over 60 days to do so and have done nothing. a lot of the inquiries were not made by me and I had to go through a long drawn out identity theft process. I have also done my own research and these reports are not accurate. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
In accordance with the fair credit reporting act, the inaccurate non validated information 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 an account without my written instructions. 

Name of Account Account Number Verification 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 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 Validate Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, 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 2022-11-09
Company: Bread Financial Holdings, 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:
Upon checking my credit report, I notice an account from Comenity BankXXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank/XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-11-29
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The accounts that does not belong to me, are constantly reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXX XXXX - Balance : {$450.00} XXXX XXXXXXXXXXXXXXXXX XXXX Balance : {$11000.00} Collection : XXXX - Balance : {$450.00} XXXX XXXX XXXX - Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX - Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX SERVICES XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX - Balance : {$120.00} ( Original Creditor : XXXX ) XXXX - Balance : {$25.00} ( Original Creditor : XXXX  ) XXXX - Balance : {$25.00} ( Original Creditor : XXXX ) XXXX - Balance : {$25.00}

Company response to consumer: Closed with explanation