BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX on Transunion 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. 

In reference to Account # XXXX I have sent 3 Certified letters over the past 6 months disputing their claim on this alleged account. Transunion has yet to send me the proof I continue to ask of them, and this is violating my rights as a consumer and under the FCRA. I have enclosed a copy of the last letter sent to them. 

I have also contacted the collection agency that claims I owe them this money and they will not provide me with proper verification. 

The next step is to take legal action to protect my rights as a consumer.

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: AMERICAN HONDA FINANCE CORP
State: OH
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:
We have paid this car lease with American Honda Finance on time every month since we leased the car in XXXX. There was never a a late or missed payment. We traded the car in two months before the 39 month end lease and it was paid off by the dealer. At the time in XXXX and ever since they have said the last payment ( # XXXX ) was late and it has been on both my wifes and my credit report ever since. We have fought with them to have it removed. The car was paid off two months prior, how could the last payment be late? About a month ago while checking my credit report, I found XXXX has added nine, yes nine late payments from XXXX that never happened some over 90 days past due. If a car was 90 days past due it would have been repo-ed. These nine late payments were never my report until a month ago. They never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have discovered that there are a group of employees linked to XXXX and XXXX and other groups that have illegal access to my safety deposit box. These employees removed identification documents including my Passport in order to cause a data breach. The data breach was filed and delivered to XXXX via special access with the XXXX with their bump informants and the FBI. My data was reported to be exposed on the dark web as a breach facilitated by the XXXX cell phone company. I never used XXXX and confirmed this with XXXX XXXX I never had a XXXX account. This group of individuals has entered into an illegal course of action known as a civil criminal racketeering conspiracy against me to cause this plaintiff issues and also be illegally linked to my identity. They are also using my identity documents to establish an illegal identity for an informant and provide illegal accounts and deals for them. These individuals are members of the XXXX XXXX and other individuals who have been perpetrating this against this plaintiff for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There IS ONE ACCOUNT reported late AND IT 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 2023-06-22
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Medical Data Systems, Inc.
State: NC
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:
medical data systems is still reporting a delinquent account which was paid several months ago. I have attempted to contact them several times and they will not help me resolve this matter. The last report on this account was 2/21 and nothing since. It needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Capital One prepaid card for XXXX. Turned around and added XXXX on to my card out of no where or even know how. I paid a company last year in XXXX to fix my credit. They disputed it with them and it got denied. Not knowing why or how come. Then disputed it this year and a debt collector called in XXXX of this year XXXX that took over that debt. I explained to them I am not paying that when I have no idea how it just got added for a prepaid card of the limit of XXXX to XXXX. They agreed it made no sense at all. So they were reaching out to Capital One and they just keep disputing it with no reasons. The charges are not mine nor do I know how they just added charges to a XXXX limit on a prepaid card that is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: SC
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 already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ XXXX and Equifax XXXX, XXXX  XXXX XXXX XXXX [ XXXX and Equifax ] XXXX XXXX  XXXX XXXX XXXX XXXX XXXX [ XXXX and Equifax ], XXXX XXXX, XXXX XXXX  XXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 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.

Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
Re : XXXX, for which this is my XXXX complaint for inaccurate reporting and nothing has been done!!! I filed a complaint on XX/XX/XXXX today I received a email on XX/XX/XXXX th for experian saying that everything is correct on my report again, it is not and its not mine, this has been on my credit for sometime and they were reporting inaccurately for a while that a lone is prove for dismissal! At this point I will be sending information to the FTC and attorney general due to the fact that the CFPB is not doing their job correctly nor is Experian several violations are being broken and require in writing with names how this information was obtain and the list of phone numbers of people who were spoken to as well as verification methods. 
However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect, due to the fact again this is not my account. So, According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 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 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Again, I would also like to know who they spoke with and how this was investigated.

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 2022-04-19
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During past week, I was mailed a letter informing me that a certificate of ownership was needed in order to maintain the account... .this account has been in force since XXXX. 
We have never been asked for a certificate, although I was actually discussing this account with bank managers as late as XX/XX/XXXX. This letter was so urgent that my account was scheduled to be locked on XX/XX/XXXX -- -- the same day i received a very non descript letter from us bank -- -- ( i think if i had a customer with a {$360000.00} acct, I would send them a registered letter to indicate this urgent situation ). XXXX, i was on the phone with a XXXX XXXX who informed me i need to complete the certification form and sent to his e mail He would then expedite the info to have the acct opened. By this time I am begging him to allow my payroll to go through In 30 years of business, I have never had a paycheck bounce. It is very demeaning and humiliating to have staff bring me a bad check. XXXX later stated the form was wrong because I Iisted a person who is not an owner Although this is my account -- -i can list who I want! I corrected the errors and removed the extra name. I was told by XXXX XXXX that the form looks good and was to be expedited for reopening the acct. She later found something wrong, I corrected, and talked to XXXX XXXX  who swore he had done his due diligence and the form would be expedited to team who would open the account On Monday, the XXXX, I called to verify the release, as I am still getting calls about checks not clearing. i was told by XXXX XXXX that I didnt send the back of the form although I have e mails indicating that i sent complete form There was a issue that i did not write, XXXX XXXX XXXX Mo XXXX in a small area that asks for STREET ADDRESS. Just above that address, i had written the complete address including zip So what we have is a bunch of nit picking when my paychecks are bouncing. Furthermore, this account has been active since 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 2023-07-29
Company: Experian Information Solutions Inc.
State: IL
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 third 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, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-05-10
Company: SECURITY FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
The company put a hard inquiry on my credit and is trying to deny me credit based off of my credit history. 

The customer service rep stated that it was because of me owing child support. 

Call made XX/XX/2023 @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took a look at my credit reports and discovered a plethora of inaccuracies. I understand under the law, " if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. '' I sent dispute notifications to all companies and filed disputes online. These companies maintain their information is accurate even though it is not. In addition to reporting inaccurate information, the companies in question also re-aged the account. 
To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' To remain in compliance with the law, I request the immediate removal of accounts from 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 2023-05-15
Company: Experian Information Solutions Inc.
State: NY
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 have been a victim of identity theft my name was used to open a fraudulent bank loan. This loan is from XXXX XXXX XXXX which took place XX/XX/XXXX. The account number is XXXX. I have took legal action on this account and as of XX/XX/XXXX a judge has vacated this account. Im attaching my license & I will be attaching the Certificate of Deposition Of Judgement to this down below.

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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One sent me a letter in XX/XX/2022 regarding a fraudulent account. They identified an account that did not belong to me, and they sent a letter to XXXX on XX/XX/2022 ( see attached ) asking them to remove the account because of Fraud. The account was removed ; however, the inquiry was not - and there would be no inquiry if the fraud had not occurred. 

I have written letters and made several phone calls asking for help to no avail from XXXX, but XXXX and XXXX removed the inquiry. 

Please, can someone help me with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had my bank account for 25 years. I have become XXXX and can no longer work. Because I do not have direct deposit of {$250.00} a month, they are charging me {$12.00} maintenance fee. How discriminating when you can no longer work to be able to have direct deposit.

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 USC 1681. 


XXXX. XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( a ) ( XXXX ) 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.

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 2023-07-14
Company: Ingenuity RM, LLC
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a granishment notice XXXX XXXX # XXXX on a debt that I had no knowledge about from XXXX XXXX. I called the creditor to get information on the debt and they claim the judgement for a debt that was my ex-husband 's is now my responsibility. I received no notice and not even was serviced with the notice of a judgment or a renewal of judgement. I now have been paying a debt that is not my responsibility and also offered my divorce decree to show proof that in my divorce decree it states specifically that that we are responsible for our own debts. They refused to accept because they can not garnish his wages because he owns a business. They were not interested in have his bank account to garnish either and were satisfied with continuing to make me pay for the debt that is not mine. They even went to the extent of stating some of it is actually mine. The lesser part is mine. Which was paid to way back in 2007 to another credit debt collector that the business is now closed. When I called the clerk of court she verified that no service was sent to me and only my ex ( XXXX XXXX ) received the service of the renewal of judgement. I never even received the service of the original judgement either. They are now garnishing me for XXXX. This sounds like alot of fraud just to hold someone responsible for a debt that someone refuses to pay. The medical bills are for XXXX and in no way shape or form should I be held responsible for his debt! This needs to be corrected and rectified. I should NOT be held responsible for my ex husband 's debts, it even states it in the divorce decree. I have attempted to call several times and talked to a very rude man that kept saying he doesn't care, not his problem as long as they are getting paid. IF I EVER WAS NOTIFIED OF THIS JUDGMENT I SURELY WOULD HAVE DISPUTED IT THEN AND EVEN WENT TO COURT REGARDING IT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation