BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2021-12-20
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDITORS DISCOUNT & AUD has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. This is a major HIPPA violation because I have never done business with CREDITORS DISCOUNT & AUD yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NY
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 do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2023-11-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions 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 have reached out to XXXX, Experian and XXXX several times throughout 2020 to resolve the removal of a bankruptcy that's showing in error on my credit report. The last time I decided to also reach out to other entities like XXXX and a few more to see where XXXX, Experian and XXXX are getting this information. They allowed me to know they have no records of a bankruptcy and XXXX, Experian and XXXX did not get the information from them. XXXX, Experian and XXXX has yet to remove this from my report and I want it removed ASAP due to the severe impact that it has on my credit report. Not to mention Experian is reporting this information twice.

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 2023-11-10
Company: EQUIFAX, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX and Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I used my cash app debit card at the ATM located in the XXXX at XXXX XXXX XXXX, XXXX The ATM stopped working and failed to dispense the funds for my {$60.00} transaction. XXXX employees confirmed the failed transaction. We called the ATM company and they also confirmed the failed transaction. 
Cash app completed the transaction and paid out on the {$60.00}. + $ XXXX {$62.00} the {$62.00} was removed from my account. I don't understand how cash app was able to complete the transaction and pay out the money when the transaction at the ATM was never completed. 
Cash app refused to provide the {$62.00} provisional credit and tells me that it's going to take 45 days to complete. 

It's a very simple process to verify the transaction with the ATM company. 
I don't think cash app is handling my claim and that's why they did not want to provide provisional credit and why they can't give me an update. 
They refuse to let me talk to someone in the claims dept as well. 
They hang up on me after telling me that they cant provide any documentation or information on my claim. 
Their behavior when handling my claim is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 GLOBAL LENDING SERVICES XX/XX/22 XXXX XX/XX/22 CAPITAL XXXX AUTO FINANCE XX/XX/22 XXXX OF XXXX XX/XX/22 AMERICAN XXXX XXXX XX/XX/22 XXXX CREDIT/HONDA OF XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 FIS/ASSOCIATED BANK, NA XX/XX/22 XXXX ACCEPTANCE XXXX XXXX XXXX CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX ALLY XXXX XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a Capital One XXXX XXXX XXXX holder. Per their advertising pitch, they re-imburse XXXX  XXXX  Fees of {$100.00}. On XX/XX/23, I called Capital One to confirm that my XXXX XXXX application fee of {$100.00} will be refunded to me AS PART OF A CARD MEMBER BENEFIT. I was told by the representative a rebate of {$100.00} will be credited after a few business days. As of XX/XX/23, almost 4 months later, Capital One has not yet issued the rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My car payment from XX/XX/XXXX XXXX  was reported as late. However, the payment was made out of our XXXX XXXX account. The check was canceled by XXXX XXXX, however, we never canceled the payment and there was money in the account. After this, we received a notice in the mail stating there was a data reach within cadence bank involving all of our personal information. Now, we have a late payment from Hyundai Capital America although the payment was made. Then, our car was repossessed although we made all payments. Now, were unable to get the car back unless we pay the full balance owed on the car

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 2023-05-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX Account Number XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

CFPB has already investigated and results were to be removed off XXXX XXXX my credit report however its is still showing on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 
Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I called the fraud department in XXXX once I noticed the XXXX dollars i deposited was so low i knew something weird was going on. Not only that this money came from my father that passed away XXXX its something I wouldn't of blew thru. I spoke with a lady named XXXX in fraud claim in XXXX also but she turned me down on the help I needed because I didn't have the transactions to depute besides saying this wasn't me. I went into the bank a few time made police reports been and still homeless due to this transactions aren't accurate they denied 2 appointments I made they moved my money without permission or notice then lied saying no they didn't. All I want is the proof besides the fake listing of inaccurate transactions that's not showing me accurate name nor amounts on a few transactions I'm the costumer why not give me what I need if everything accurate why dismiss 2 appointments why a manager lie saying we went over everything knowing I was emotional and the 1 1/2 was more of that til I was exhausted and called it a day went over a few transactions in XXXX when everything started in XXXX why XXXX XXXX didn't reach out for 2 months inside work being done they keep trying to cover up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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:
I reached out to the credit bureau on XX/XX/2023 and would like a reinvestigation I still have inaccurate information on my report! 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 hope you would be able to help! I will list the accounts below! 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
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 have reached out to TransUnion, XXXX and XXXX several times throughout 2020 to resolve the removal of a bankruptcy that's showing in error on my credit report. The last time I decided to also reach out to other entities like XXXX and a few more to see where TransUnion, XXXX and XXXX are getting this information. They allowed me to know they have no records of a bankruptcy and TransUnion, XXXX and XXXX did not get the information from them. TransUnion, XXXX and XXXX has yet to remove this from my report and I want it removed ASAP due to the severe impact that it has on my credit report. Not to mention XXXX is reporting this information twice.

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 2023-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TN
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:
CFPB Write up n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX - Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$230.00}

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