BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
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. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2023-05-04
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 belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-09-27
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Thursday XX/XX/XXXX at XXXX PM CT, I was contacted by a number ( XXXX ) that promptly went to voicemail, wherein a XXXX XXXX was attempting to contact me about a " pending legal matter scheduled to be filed against [ me ]. '' XXXX XXXX than proceeded to call and leave voicemail messages with several friends and family members, threatening that if I did not call back in a timely manner, actions may be filed against me and that by calling, I could " prevent this from taking place. '' I was given a number to call ( XXXX ) and a reference number. On Friday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I was contacted by a similar number ( XXXX ) with the same message verbatim. Once again, XXXX XXXX contacted me and my friends and family, leaving a threatening voicemail with the same threats and instructions. I did not hear anything on Saturday XX/XX/XXXX and Sunday XX/XX/XXXX. I assumed this was a scammer. On Monday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I received a threatening text message from XXXX, made to appear to be an automated message threatening to file a complaint against me in my county court. This text message told me to contact XXXX with my reference number of the filing would be done without my participation. Once again, my friends and family were contacted with the same text message. On Monday XX/XX/XXXX at roughly XXXXXXXX XXXX XXXX, I contacted the XXXX number and was greeted by a receptionist at " XXXX XXXX XXXX XXXX XXXX. '' I provided my case number, and after a hold, was told that this was a civil complaint to be levied against me. Title 15 was referenced. This civil complaint was in regards to an alleged debt accrued in XXXX and owed to CitiBank. This alleged debt was turned over to a collections agency. Frankly, there is no such alleged debt as I've never had a CitiBank credit card and I believe that XXXX XXXX XXXX is attempting to threaten and harass me and my family to collect an alleged XXXX XXXX XXXX debt. I believe that XXXX XXXX XXXX are acting in bad faith and are likely being used as a front to attempt to threat and scam people. I requested the address for XXXX XXXX XXXX to file a cease & desist against them and to file a complaint with the FTC.

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 2023-02-24
Company: EQUIFAX, INC.
State: NC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and incorrect addresses. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # 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

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 2021-08-05
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1. In XX/XX/XXXX ; Discover Card gave me an option to setup a " Hardship Payment Plan '' with low interest rate on my closed account. I signed up and setup to make payment with " Auto Pay '' on the XXXX of each month ( An email confirmation is attached ). Since the account was closed and setup for Auto Pay ; I did not see a reason to monitor activities as I was XXXX outside the United States. 
Last week ; I received email from credit monitoring that my Discover account was reported " Late '' and my credit score dropped by XXXX points. I checked my account online and noticed that Discover stopped using " Auto Pay '' for payments in XX/XX/XXXX but never notified me about that. I contacted Discover but they were not able to answer my question and instead transferred me to several different departments. 
MY MORTGAGE REFINANCE APPLICATION HAS BEEN DENIED SINCE MY CREDIT SCORE DROPPED FROM XXXX TO BELOW XXXX. 

2. Again, I contacted Discover several times and they continued to provide incorrect and misleading information to me. 
I asked Discover the date when I signed up for the " Hardship payment Plan ''. Discover provided incorrect date over and over again and insisted that I signed up in XXXX and I was not setup for Auto Pay ; which is not true. I actually signed up in late ( XXXX ) XXXX with " Auto Pay '' from my bank account. 

I contacted Discover several times and they continued to provide incorrect and misleading information to me and I was not setup for Auto Pay. 


A similar complaint was filed with CFPB in XXXX of XXXX when account was in COVID-19 relief but Discover still charged Late Fees ; eventually they revered the Late Fees after receiving a copy of the complaint from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Checkr, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I just tried to dispute inaccuracy on my background report with checkr agency for " failure to post bond '' on the background report from XX/XX/2017 ; I was totally unaware of this inaccuracy and have no idea where this inaccuracy came from. between XXXX I was rejected for multiple job positions in truck driving companies and in delivery services as well, checkr placed someone's record on my report and that damaged my reputation and took a lot of opportunity from my life within these XXXX  years I'm devastated I was never in prison and have nothing to do with the bond when I disputed this information with them two months later they removed this information from my record ( I have both reports before and after ) ; after this harm to my background and identity I believe I'm entitled to some sort of compensation for lost life opportunities due to your inaccurate reporting, it is a violation of FCRA ( Fair Credit Reporting Act ) and I'm asking CFPB take appropriate actions and measures to avoid this happening to someone else in future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 @ around XXXX XXXX a representative of capital one bank showed up to my residence and discussed my debt with neighbors. First he started banging on the door and it woke up the neighbors. Once the neighbor came out, he extensively discussed and showed legal documents to him. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: MN
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:
on XX/XX/XXXX i sent documents to experian pertaining to fraud. experian recieved my documents a nd i verified by phone. 30 days later after the investigation they dont have records anymore my documents. collection agency responded back stating that account was verified. i would like to have these accounts removed as quickly as possible. as they are hendering my credit.

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 2023-07-12
Company: EQUIFAX, 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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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 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 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 accurate.

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 2018-08-21
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Pre employment company requested my background check. The crime was committed in XXXX but what First Advantage is showing is XXXX which is when I served time not when the crime was committed. The way First Advantage is displaying my background is showing that date as XX/XX/XXXX which gives the company the thought that the crime was committed in XXXX which is false. This needs to be clearly stated as to when the crime was committed verses when time was served.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
There has been a copious amount of hard inquiries placed on my credit report that I did not authorize. I have tried rectifying these issues with the reporting credit bureau agencies and directly with the listed agencies. These issues have not been rectified. I have attempted to contact these agencies via certified US Mail and telephone calls, but to no avail. 
XXXX  XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX, Credit Bureau Disputes, XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: U.S. BANCORP
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
VIOLATION OF THE FINANCIAL PRIVACY ACT : On XXXX at approx. XXXX XXXX CST XXXX XXXX inquired with US BANK about her student account not having any money within it. It seems that US BANK pulled {$630.00} from her account and paid off my * ( XXXX XXXX XXXX ) XXXX XXXX  XXXX account ending in XXXX. 

XXXX called to ask what happened to the money and to see if they would refund it back into her account, and spoke to XXXX. She kept telling XXXX that " your mom is behind on her payments '' and " it's legal for them to remove the money from your account, since your mom is a signer on your account. 

When XXXX let her know that she wanted to close the account and expressed the huge disappointment that he account was now - {$21.00}, saying that US BANK hurt her by removing ALL of her money. XXXX VIOLATED the FINANCIAL PRIVACY ACT divulging to XXXX her mom 's PERSONAL BANKING INFORMATION. 

She told XXXX that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. XXXX knew that I was in a Debt Settlement program, but I want to KEEP IT CONFIDENTIAL the amount that I owed. XXXX VIOLATED MY PRIVACY RIGHTS by letting my daughter know that I am behind over {$21000.00}. 

This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK< letting him know that I wanted to speak with their legal department about this breach of information. He told me that " XXXX '' was XXXX XXXX Supervisor. They let me know that the conversation was recorded and action would be taken to review the tape and discipline XXXX. 

I asked to have the legal department get in touch with me, to settle this matter. I am going to consult with my attorney about the breach of my rights away. 

Please help me in filing a formal complaint in this matter. 

Sincerely, 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 2018-11-16
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is completely unresposive when responding to complaints and inquiries about their reporting. After filing a complaint about false information they were giving out to creditors, they eventually issued a confirmation number to be used in viewing the resulting findings. However, in order to view the results, a questionaire must be filled out that asks about various accounts the inquirer may or may not have, and the answers must match what Equifax has on file. Since the information that Equifax has on file is false and inaccurate to begin with, their is no way to correctly answer the questions and the complaint findings can not be viewed. 
Equifax is committing fraud with this system ; they obviously have no intent of invesitgating or correcting the false infomation they provide to lenders. And they are equally unresponsive to phone inquiries ; demanding that the caller provide irrelevent and non-existant information before processing the complaint. 
Equifax if violating the rights of consumers and should be stopped or put out of buisness!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: MD
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 have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX XXXX and XXXX reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX XXXX XXXX reporting 60 days late EQUIFAX reporting 30 days late, XX/XX/XXXX XXXX and XXXX reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX  According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Cottonwood Financial Ltd.
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: Old information reappears or never goes away

Complaint:
I had a Debt with The Cash Store that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 

I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, The Cash Store.

I called The Cash Store and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 

I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 

I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why The Cash Store and/or XXXX will not remove this last account but I would like it either done, or explained. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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