BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 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 2022-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The dollar amounts were manipulated within my account with Bank of America ( checking ). These manipulations also fall under FTC violations as funds in my account were tampered with to reach stated amounts below : The below figures were taken ( minus ) from my account. 

XX/XX/XXXX - {$8.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1.00} XXXX XXXX. Seller Fees XX/XX/XXXX Purchase XX/XX/XXXX - {$2.00} International Transaction Fee XX/XX/XXXX XXXX XX/XX/XXXX - {$0.00} International Transaction Fee XX/XX/XXXX XXXX XXXX  XXXX De 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 monetary relief
Consumer complaint received 2019-01-09
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00}

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
Consumer complaint received 2022-03-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EXPERIAN any verbal or written consent to report anything on my consumer report. 

Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & EXPERIAN Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 7 transactions are also against my individual right to privacy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, 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 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened up a credit card and lost it every time I try to access the account Im being told my information dont match so they wont allow me to access it. However I get a email about the account and their allowing late fees to continue to build up on the account but wont give me access to the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Experian continuously reports inaccurate information on my credit report. They keep reporting the name Washington XXXX XXXX on my report, that is not my name, nor have I ever been married. They claim they received this information from XXXX XXXX, which is incorrect. They also report XXXX XXXX  XXXX, that is not my name. 

They are also reporting an address of XXXX XXXX XXXX XXXX, XXXX  XXXX, which it has been over seven years since I lived at this address. I moved out of this residence XXXX of 2015. XXXX XXXX XXXX XXXX, XXXX  XXXX is also not correct, the address contained an apartment number which is listed on the report. 

I also am requesting that the following medical accounts on my report be verified for complete and accurate information and removed if they can not be. I have disputed these accounts and have never received anything that verify these accounts belong to me. 

XXXX XXXX XXXX Account number : XXXX This company is not even authorized to collect debt in the state of Ohio due to not having a business license in the state. 

XXXX XXXX Account number : 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 2019-07-01
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX used to be XXXX XXXX. Before the company name was changed I had paid off my balance through XXXX XXXX XXXX. When the name of the company changed my old, paid debt resurfaced. When I've called XXXX they see the " note '' in my file that the debt is paid and say that I won't be billed again. Four months later I getting payment notices and it is reported to the three agencies. I have sent them paperwork which is also on file. This directly afters my credit which I'm trying to fix.

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 2019-04-09
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I received a Notice of Servicing Transfer from my current loan servicer, XXXX XXXX XXXX XXXX LoanCare , LLC. The notice said the loan servicing was being transferred from XXXX XXXX XXXX c/o LoanCare , LLC to XXXX XXXX XXXX XXXX LoanCare , LLC. This did not make sense, but I assumed it was an internal restructuring and that my loan would not be affected. 

On XX/XX/2019, I received an email notification that my mortgage payment had been received. This notice came from XXXX. I've never heard of this company. Their website indicates they are XXXX XXXX XXXX XXXX XXXX and that they are a loan servicing company. 

On XX/XX/2019 I called LoanCare to inquire. LoanCare maintains they are my loan servicer.

12 USC Section 2605 ( b ) requires a prior notice of a transfer of loan servicing. To the extent my loan has been transferred, I have not received the required notice. This is a violation of federal law. 

More importantly, I'm not sure that my loan, financial information, and banking information is secure. I've had problems with LoanCare previously in that they are reckless with the release of my financial information and do not take securing financial information seriously. I now fear they have released my financial information and allowed some third party to access my account. 

What is clear is LoanCare did not give notice as required by law, that XXXX withdrew money from my account without my consent or knowledge, and that some confusion remains between LoanCare and XXXX as to which of these entities is the loan servicer. 

Will you take some action?

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 2023-06-19
Company: Transform Credit 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: Personal information incorrect

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers ' nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. You never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under Subsection ( b ), 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 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. 15 U.S. Code 1681 e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR Subsection 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act XXXX XXXX account # XXXX as well as XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
When I go to check my free credit report, I am told that I may have taken out several loans for certain dates although I have never taken out a loan. When I go to answer these security questions about said loans, I am unable to give an answer, because I have never taken out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have a credit card debt with XXXX. Im not sure the date on that but its been a couple years. XXXX I believe. They call from different numbers every day. I call back and tell them to leave me alone when I have the money I will pay them. I have tired this, I have tried to actually pay them and they try to take more then what I owe. They call all the time and leave threatening voicemails from different numbers telling me that they are taking me to court that if I dont give them the money I will have legal action taken against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I applied for and was approved for an auto refinance through Capital One in XXXX. My first payment was due XX/XX/2019. I signed up for autopay using my checking account. My payment came out as planned in the amount that was supposed to come out. I received an email from Capital One confirming my payment had been made and credited to my account. Then, I received another email saying that my account requires attention. I logged onto my account and it says that I am past due. I called Capital One and they have opened 2 duplicate accounts for the same vehicle in my name with two different payments without my knowledge. I sat on the phone for over an hour and spoke to three different representatives before the third one mysteriously just came back after leaving me on hold for several minutes and said her system was down, that she couldn't help me, and to call back later. My credit score went down 10 points because my report shows that I took out 2 consumer loans and the second fraudulent loan opened without my authorization by Capital One is past due, but I can't get them to help me because their systems keep mysteriously going down when I try to have the second account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Transunion website ( unlike XXXX 's ) let me create an account to manage freezes to my credit report. But that's as far as I've gotten with it. Transunion ALWAYS reports back that the status of my credit freeze is UNKNOWN and suggest that I try again later. It's been like this since I created the account in XXXX, 2019. The only way I can do anything is by going through long laborious telephone mazes.

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 2019-11-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to apply for an account with XXXX ; when the identity verification came up, none of the questions apply to me and I have my Experian credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my Experian credit report is incorrect and is preventing me from pulling a new credit report with XXXX, XXXX, nor was I able to use 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 2021-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer of XXXX on XX/XX/XXXX to an escrow company to secure closing on a home. The correct information was added and the company came up when I put in the XXXX number. The account number however was a number off. I called chase and asked them why the wire transfer did not securely reach the other party. The said the account number was wrong and that I had to fill out an amendment which I did 4 times in a course of 3 days. I heard nothing back from Chase. On XX/XX/XXXX, I went into a physically branch and spoke to XXXX and she went through the system XXXX and spoke with a rep that gave me a reference number and they would escalate the issue. It's been a full week and I haven't heard anything back or received the XXXX back into my account. XXXX was nice enough to have them recall it but Chase has not updated me from the secure message on the app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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