BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
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: Information belongs to someone else

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortagage loan was recently transferred and closed with old mortgage lender. Transunion dropped my score XXXX points. Why, this was a transfer, was was this reporteded negatively. This damaged my credit tremendously.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom it may concern, I've never given CAPITAL ONE my written consent to furnish any of my NON PUBLIC PERSONAL INFORMATION. It was never made known to me that I have the RIGHT by LAW to opt out of my information being reported/sold as made clear in 15 USC 1681 of the Fair Credit Reporting Act. 15 USC 1681 states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
Please provide any documentation with my written consent allowing CAPITAL ONE to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've Applied for A XXXX XXXX XXXX Credit Card several times each time I apply it comes bank Elements Associated with fraud the past three application i called the number listed and asked for reconsideration. Each reconsideration Came bank with the same denial. On or around XX/XX/XXXX XXXX I called and recieved the only denial being Indentifying Information does not verify. Please verify my information with the documents Attached And do a investigation on why your system keeps denying my application and reconsider my application. I have a perfect credit score and believe I qualify for A Credit card please also include The resolution to your investigation and if the problem was resolved and when I can recieve my card or reapply if the reconsideration is unsuccessful with the Credit Report and Information already on hand. I do not approve or don't consent to another inquiry on my credit report unless First bank card can utilize a soft inquiry instead of a hard inquiry as first bank card has my infor.ation less then 30 days old as the date of this complaint. 

Sincerley, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint to bring to your attention a critical matter related to the reporting of child support obligations on my credit reports by TransUnion and XXXX. 

Child support obligations are not credit transactions, loans, or debts. Despite this, both TransUnion and XXXX inaccurately reported my XXXX XXXX obligations as delinquent credit accounts, violating federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have not entered into any credit agreements or loan transactions with the XXXX XXXX XXXX, yet the inaccurate reporting of these obligations has severely impacted my creditworthiness and financial well-being. This inaccurate reporting also directly contradicts TransUnions own statement that they can not report delinquent child support to credit. 

I have diligently fulfilled my XXXX XXXX obligations in accordance with the law, and it is essential that these erroneous entries are promptly removed from my credit reports to rectify this violation of my rights. 

I kindly request that the CFPB investigates this matter to ensure compliance with federal laws and takes necessary actions to correct these inaccuracies, which have adversely affected my financial standing. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds consumer rights and adheres to the law.

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 2023-08-18
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CREDIT ACCEPTANCE CORPORATION
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:
as of XX/XX/XXXX, I have noticed a fraudulent account Account name, credit acceptance , Corp. Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXX RESPONSE TO CREDIT ACCEPTANCE RESPONSE ON CFPB RESPONSE TO DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY!!!!

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 2021-09-07
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I have a Chase Ink card which I haven't used for the year 2021, and I had the card put away for safe keeping. During the month of XXXX several unauthorized charges were made to my account without my permission or knowledge. I never received any notification from Chase informing me of these unusual charges, or to call and confirm if I in fact made the charges. The charges weren't noticed by my until XXXX, when I was paying my monthly bills and noticed the charges. I called Chase to report them immediately. The charges in dispute are as follows : - XX/XX/2021 for {$750.00} - XX/XX/2021 for {$1300.00} - XX/XX/2021 for {$15.00} - XX/XX/2021 for {$8000.00} - XX/XX/2021 for {$250.00} - XX/XX/2021 for {$4200.00} Chase provided me with the merchant email address, and a contact phone number. I've sent two emails to the merchant and the phone number provided goes directly to a voicemail, indicating if you leave a message they will email you back. There is no option to speak with a live person. I have also gone to the merchants website to see if there was an account under my name, and their website confirmed I have no account ( screenshots attached ). Since I am unable to get a response from the merchant, my only avenue to resolve this matter is by relying on Chase 's assistance to further dispute the charge. Chase received additional information from the merchant to support the charges, concluded their investigation and rebilled my account. 
Chase did not properly notify me, the dispute was updated, and because of that I was charged a late fee for the balance being rebilled. Additionally, I have attempted to contact Chase several times since this, i've provided additional information to support my claim, spoken to Chase and promised to be called back twice but never received the promised call back. I contacted Chase today and they disconnected the call and never called me back. 

I am worried that because Chase is not making any attempt to help me resolve the matter, and that I am unable to resolve the matter directly with the merchant that I will be responsible to paying these charges I did not make. All I am requesting is that a representative from Chase contact me, and actually try to help me resolve this matter before I am sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
The debt was entered into my bankruptcy ; however its showing up as a separate debt on my credit report with an outstanding balance due. Page 14 on the attached document shows that it was included.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Receivables Management Partners, LLC
State: IN
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:
the account just showed up on my account one day and I know nothing about it, called them and they would not even give me any information or explain what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
Company: EQUIFAX, INC.
State: DE
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 XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States that 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
my wells fargo account has put a government stimulus check on hold in my account. my boyfriends mom and his brother finally got theirs the other day and since my boyfriend already had his deposited into the account we didnt think nothing of it? so i deposited his brothers first and it cleared no problem, then later on i did his moms check and they put a XXXX $ hold them house later then put a hold on both of the checks? 2 weeks before that his mom got some checks in the mail that she didnt know was fake or something but wanted to see if it would clear bc the person who sent them was stating they would, but i waited until the the money was cleared or returned before even touching the money so that there would be no problem.. this is why they are basically holding my boyfriends moms and brother check ... which is fine but its not the same check ones from some person and this is a official government stimulus check. they are also closing my account bc of this one time of these checks being returned .. i have had a good history with this bank. no overdrafts or anything actually. i called to talk to the bank about it and they are just rude and dont really care about whats going on. im frustrated.. i wouldve never got with this bank if i knew this is how they did customers ... closing my account holding these checks.

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 2020-11-09
Company: Experian Information Solutions 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 are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and 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 2023-02-27
Company: EQUIFAX, INC.
State: MD
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 these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with explanation