BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

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

Account name XXXX XXXX CO : account # N/A, account name XXXX : account # N/A, account namXXXX XXXX XXXX, account # XXXX, account name XXXX BANK, account # N/A, account name XXXX XXXX SERVICES, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can no
t 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: DISCOVER BANK
State: FL
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:
This dispute is about the re-charge on XX/XX/2022 Merchant name is XXXXXXXX XXXX XXXXXXXX ) for the amount {$7800.00} - reason is unknown. Worked with XXXXXXXX Discover but all can not resolved the issue Original XXXX  order XXXX was on XX/XX/2022. Amount charged {$7800.00} XXXX  failed to deliver to me and package was returned back to XXXX  on XXXX Therefore a refund confirmation initiated. Refund of {$7800.00} was seen on my credit card on XX/XX/2022 XXXX  re-applied {$7800.00} on XX/XX/2022 stating the item was delivered.. I confirmed nothing was received on XX/XX/2022 hence the refund was initiated by XXXX XXXX Discover Card and asked for helped. After 2 months of escalating and multiple inquiries the result came back negative. Discover stated not enough information to help with the dispute I provided all the information that I have at this point. I even provided a screenshot from XXXX on XX/XX/2022 stating their fault to not deliver and that's why the package was returned back to XXXX and hence the refund but Discover did not take this seriously. 

Asking CFPB to help because this is almost {$8000.00} that I should not be responsible for from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: IN
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt.

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 2022-11-11
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$65.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to the company XXXX XXXX XXXX several times i even sent certified mailed with my id proof of address and dispute letter along with ftc and police report that was received on XX/XX/XXXX according to when the slip was signed for acceptance I sent it by certified mail because first kept saying they didnt receive certain things basically giving me the run around but it was finally signed by XXXXXXXX XXXX XXXX XXXXXXXX XXXX I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances one they are report for XXXX and each month adding interest then the other is XXXXwhich it should not be a balance that violates the and should be removed on those grounds according to The FCRA Protects You From Credit Report Errors Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. well I have submitted where I was staying during the time period multiple fta reports and police report and confirm my identity also XXXX XXXX has given me such a hard time for the past XXXX months and their website does not allow me to log on and dispute all the other credit bureaus have removed this item however XXXX is avoiding me and I spoke with ally XXXX XXXX from fraud special Handling and she was rude and hung up on me I would like the call monitored before doing so she also told me that the forms I sent by certified mail could not be combined with the forms from XXXX XXXX that I sent it by cfpb but they are the same company why cant you use the same documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: LEXISNEXIS
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've informed XXXX, XXXX, XXXX, XXXX, XXXX, LexisNexis, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  Someone tried to open a credit card account using my personal information. The bank recognized the fraud but the inquire still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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:
Mortgage arrears appear in the credit report when the account is current with XXXX XXXX XXXX XXXX XXXX. Letter is sent indicating account up to date. This has affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: JPMORGAN CHASE & CO.
State: NY
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:
According to NY Law, this company is not allowed to come after me or sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX .... Balance : {$40.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
From XXXX 2022-XXXX 2022 they have been reporting late payments.. 



Under USC 1681 section 602 : States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Self Financial Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am filing a consumer complaint against Self Financial Inc. ( " SELF '' ) concerning violations of my privacy rights under the Graham-Leach-Bliley Act ( " GLBA '' ). 

In XX/XX/XXXX, I entered into a cardholder agreement with SELF FINANCIAL INC . The cardholder terms did not include any GLBA-mandated notice or opportunity for me to opt-out of SELF sharing my personal financial information with unaffiliated third parties. 

In XX/XX/XXXX, upon learning SELF was sharing my information without consent, I sent written notice revoking any purported consent and expressly instructing SELF to stop disclosing my personal financial data to third parties. SELF acknowledged my notice but has continued the unauthorized disclosures. 

SELF is sharing and allowing access to my loan information, account history, and transaction data with credit bureaus, and other service providers without my knowledge or consent as required by GLBA Sections 502-503.

SELF refuses to comply with GLBA privacy requirements and honor my opt-out rights. I am very concerned about the impacts unauthorized sharing of my information could have.

SELF 's willful GLBA violations and negligent handling of my personal financial information cause me financial harm, distress, and has defamed my character. I formally request the CFPB use its enforcement authority under GLBA to investigate Self Financial and stop these unfair privacy practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX  ) XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  ) XXXX Balance : {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief