BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was given a check that was not good and soon i deposited into my account a few times XXXX the us bank informed me of the checks but i dont why they never informed methat the check was no good when it happened

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 2022-12-15
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:
In XXXX of this year I shopped for my XXXX XXXX XXXX XXXX XXXX XXXX Saks 5thh Avenue. Since the merchandise was low in the store, the sales person suggested opening up a credit card through Saks which is Capital One.. I was given a large credit line as my XXXX XXXX is excellent. I purchased XXXX dress, alternations for it, shoes, purse and a purse from Saks off 5th- I returned everything else. For several months I did not receive any statements and was alerted that I was late on payment - my assumption was all the credits offset charges. I spoke live with my XXXX contact who said they were having problems with many not receiving their statements. He waived late fees. The statements continued to come to me and I noticed the amount owed exceeded my purchases. I requested they provide me a description of any charged/purchased item I did not return. They were unable to do so!! They have set up a horrible accounting situation with Saks. No itemization and could not provide me ANY proof. They suggested I go to the store which does not have any billing employees!! I then was connected with fraud who promised me they would resolved this. Please note I have XXXX  ( Icon membr ) as well as Platinum XXXX- they can ALWAYS provide me proof of charge, items, etc.and will do the research if necessary. I have continued to pay in excess of what I purchased to keep my XXXX XXXX good. {$2300.00} The last convo with them they now say it's beyond 60 days and they can not help any more. They are holding me XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-11
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 sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. These letters were sent XX/XX/XXXX for which I have certified mail receipts. It has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature. 

This complaint was originally sent and received by EQUIFAX on XX/XX/2023 to which the Company failed to respond with proper verification or presentation of permissible purpose for any of the alleged inquiries to be furnished upon my consumer report within 30 days. They responded on XX/XX/2023, which is well after the 30 days response timeframe. They also completely failed to present " My WRITTEN CONSENT/PERMISSION '' to furnish such alleged information. An identity theft report was also filed for they assume " My IDENTITY '' for they openly violate my rights to privacy and continue to do report information in my name that I have NOT given WRITTEN/PERMISSION for. 

This is clear violation of 15 USC 1681b ( 2 ) and has resulted in several months now of violations concerning consumer 's ( XXXX XXXX ) RIGHT TO PRIVACY and also DEFAMATION OF CHARACTER. 

Each of the illegally furnished inquiries result in a violation that is equal to {$1000.00} violation per 15 USC 1681o Civil Liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX IS NOT REPORTING THE COMPLETE AND ACCURATE INFORMATION TO MY CREDIT 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 2023-01-13
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2022-12-01
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:
These accounts are all reporting inaccurate information on my credit profile. Have tried many times to get these accounts off and yet these still remain. Please remove these accounts from my credit profile. Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous items which are being indicated in my report. 
Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Owed : {$160.00} XXXXXXXX XXXX XXXX Balance Owed : {$21000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX closed it's business on XX/XX/2023 without a notice. I have not received a notice on who bought my loan. I reach out to Westlake Management but this is a debt collector. After speaking with another person who bought a car from XXXX XXXX. She stated that Westlake contacted her for a payment. I went online and I saw that XXXX doesn't have a record of my payments for the two years I have lease my car. Please tell me what to do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-21
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a title Loan with Mariner Finance in XXXX of 2021, it was a loan for {$5000.00} dollars. 
I was under the impression that my vehicle would be used as collateral if the loan wasnt paid off. But this company has put themselves on my auto as a second lender! Also, I was told that the payback amount on this {$5000.00} loan would be {$6000.00} by paying {$190.00} by weekly! I committed to my payback obligations for over a year and was making my payments on time. I even made a lump sum pay of {$1800.00} dollars to get the loan down. I then contacted the company because I could not access my payments or balance amount on their website. At which time I was told I had a {$4000.00} dollar Balance!! HOW I asked, and thats when I was told this is an interest based loan and the amount increased over time due to interest. I have since stopped making payments on this scam and I am constantly being harassed by the company. I have attempted to make a deal with these people and showed them that the debt is actually satisfied. I need help with this Matter because I truly feel it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Many Years Ago, Back in XXXX I Was a Victim of Identity Theft and They Stole My Bank Cards, ID, and Social Security Card was all Compromised. 
Since then I Have XXXX XXXX XXXX to Protect My Life From Identity Theft Happening Again. 
I Have Reported This To The Federal Trade Commissions By Letter Years Ago. 
I Never Take Out XXXX XXXX Loans and I Never Had Any XXXX  Loans of Any kind Never. 

Here This Year, in XXXX of XXXX I am Getting Harassments From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These People Had To Gone and Purchased an Account Somewhere Online or XXXX XXXX Party For Sure and Now Texting, Calling, and Sending Me Mail That Has Nothing To Do With Me. 
I Believe It's a Scam, and I Have Been Targeted Again With Identity Theft Once Again. 
I am Reporting This Because It Is Not Me. 
Please Help Assist Me, I Need To Know What To Do. 

Respectfully, 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 2023-09-11
Company: Resurgent Capital Services L.P.
State: MI
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: Problem with personal statement of dispute

Complaint:
Yes ... I am disputing an collection account on my consumer report ... that has not verify the debt as belonging to me FCRA 15 us 1681 a ( 2 ) 15 US 1681 B ( A ) 1 2 15 US 6802 XXXX Should not be reporting until it verify the debt, inaccurate information is reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Mailed Check was stolen and altered amount, payee and written amount. Original amount was {$120.00}, altered to {$820.00}. Money not returned to our account since we filed fraudulent affidavit with US Bank in XXXX CA, XX/XX/XXXX, XXXX Bank has since closed in our area. 
Numerous calls to US Bank Fraud Department with many promises and no results.

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 2024-01-11
Company: Park Hill Holdings
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my SafeRent report sent to me via mail.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

In accordance with the Fair credit Reporting act XXXX  account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right ton 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 2023-06-03
Company: LEXISNEXIS
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: Problem with personal statement of dispute

Complaint:
I have asked Lexius Nexis to update the Bankruptcy information. Lexius Nexis have been sharing this information with XXXX, XXXX, and XXXX  without my consent. I received a letter from the Court stating they did not share this information with Lexius Nexis and XXXX XXXX. This is a violation of my credit report and rights as a consumer. I received a letter from Lexius Nexis stating to contact the court. I have provided proof from the court it is not shared. It has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I complained that the following companies, XXXX and the XXXX XXXX XXXX were billing my XXXX XXXX XXXX ending in XXXX without my authorization in XXXX or XX/XX/XXXX. I contacted the Bankcard Payment Processing, XXXX XXXX  XXXX, XXXX, XXXX XXXX concerning these illegal transactions. 

XXXX. In XX/XX/XXXX, the same charges by XXXX and The XXXX XXXX XXXXXXXX appeared on my new credit card ending in XXXX. I notified the XXXX XXXX XXXX Bankcard Payment Processing Center to report these illegal transactions. I never gave my new card number to either XXXX or the XXXX XXXX XXXXXXXX. I requested that a new credit card be sent to me and to prevent any automatic charges from being billed or charged to my card without my authorization.

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 2022-12-15
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX With initiation of the {$700.00} loan, I was told by the representative the loan would be paid in full by XX/XX/XXXX. Due to unawareness of XXXX bank attachment, I made a in person payment early on in the repayment of this loan. The same month an additional payment was taken out and not applied as a next month payment. I called to inquire why payment was taken out today, XX/XX/XXXX and the representative noted the account is not paid off and will not be paid in full until XXXX of XXXX. She noted she could see in the in person payment, yet that amount was applied to the principal. I would like this entity audited for the accounting on this account and any violations of the Truth and Lending Act, 15 USC 1605 and 15 USC 1601 and any and every other violation of consumer protections which are believed this entity is and has participated in relative to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation