BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

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

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

15 .U.S.C 1781 64 A section 2 : it also state consumer reporting Agency cannkt Funish a account withiut written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) section 2 States : No consumer reporting agency may make any consumer report containing any of the following items of information qnynother adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15U.S.C 1681s-2 ( a ) ( 1 ) a person shall not funish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. 
XXXX account with account # XXXX opened on XX/XX/XXXX. 
This account is incorrectly being reported as a charged off account with a balance due. 
XXXX  account with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 90 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX I am writing to dispute the following information that appears on my Transunion report XXXX XX/XX/XXXX : XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX with account # XXXX. 


XXXX XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX, XXXX with account # 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 2021-08-31
Company: EQUIFAX, INC.
State: MI
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/XXXX. 

They are reporting that I owe for a joint account, but I have no records indicating that this is true. I am seeking validation of this information, but National Credit Systems has not provided supporting documentation. 

I received a notice from National Credit Systems dated XX/XX/XXXX stating that they did not have enough information to validate my claim. 

I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information. None of the documents they sent corresponds with a joint account. I will upload a copy of the forms they sent me.

Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature. 

For example the original creditor signature is dated for XX/XX/XXXX. The other signature, which is supposed to represent my signature, is dated XX/XX/XXXX. 

How is this even possible? 

That means that National Credit Systems is also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Complaint XXXX was submitted XX/XX/. It has been over 60 days without a response. According to CFPB, the company has 60 days to answer. So this XXXX should be deleted from my credit reports.

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 2023-07-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Me and some friend 's went to a gentleman 's club and I used my debit card to purchase drinks there, I never withdrew any cash from the location, and only used it to purchase about XXXX $ worth of drinks. However, next morning, I was charged XXXX $ for the drinks, plus an additional XXXX $ or so by a company named XXXX XXXX. Someone in that establishment is charging people money to a fake company that is listed as a " XXXX. '' On my Wells Fargo transactions. Wells Fargo has looked through the transactions and returned XXXX $ but since the transactions ( multiple totally over {$1200.00} ) we're fraudulent I believe they should return all my funds. Wells Fargo ended up removing the transactions from my transaction history, making it seem as if it never happened, and the remainder of XXXX + XXXX that was transacted on XX/XX/XXXX by Wells Fargo, authorized on XX/XX/XXXX, was deemed a legitimate transaction. I've called the bank and they just said a executive will call me, once they have looked through it again. I know for a fact I did not order any food from the gentleman 's club, I don't even think they serve food and it is highly unusual for an establishment to charge a person 's card under another business entity. It is clearly fraud and I would like my money back. They literally swept the whole thing under the rug and made it seem like this " company '' that charged me wasn't trying to drain my entire bank account, so they can charge me for a smaller amount and get away with it. It's unethical.

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 2020-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I attempted to pay Kohls in full beginning in XX/XX/XXXX. I verified with customer service multiple times that they would accept a savings account that I had that had an account number and routing number to pull money from. Every month I would call back and check in on the updates because I am in the process of buying a house and paying off debt. As a recent college graduate, this is something that I am working aggressively on. Every month I would be asked to give them my account and routing number again to attempt the payment over again. This continued until XX/XX/XXXX when I ended up having to give Kohls my checking account instead of my savings account despite the reassurance from Kohls that they could use a savings account. My bank also confirmed that this account was compatible to pay bills and I had paid several bills from this account. Kohls told me they attempted payment so many times that they had to date the payment for XX/XX/XXXX and  that they would remove all late payments and report to the credit bureaus that the late payments were Kohls fault and they should be removed. I called again on XX/XX/2020 and Kohls told me they would report on XX/XX/2020 and I should see this reflected. I called again on XX/XX/2020 and Kohls told me that they attempted to report to remove my late payments and they were denied despite my many months of being told that it would be removed. I was rudely told that there was nothing I could do and that it was my bank 's fault even though I had spoken with my bank before using this account and my bank was given no notice that there were issues with Kohl 's obtaining payment. I was told over the phone they could not do anything for me and that the supervisor that told me in XX/XX/XXXX they would remove the payments would not have said this despite being on a recorded line. The supervisor I spoke to on XX/XX/2020 also began twisting my words around to try to put the blame on me and not the fact that I have been attempting to pay them over the past several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: BLINCLOANS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I overnight a payoff check and the company lost my check. I was provided the wrong address on email. I asked to speak to management or legal they refused let me talk to management.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: Bread Financial Holdings, Inc.
State: TX
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:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with CCB/XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with CCBXXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
Today XX/XX/2023 I called at XXXX to initiate a dispute with a charge on my card. XXXX picked up the phone and he was unprofessional and wanted to always relay the call to someone else. He refused to let me speak to a supervisor. Then XXXX picked up and he started the dispute but did not tell me he was doing the dispute and just told me that Chase did not have any rights to dispute the charge with an airline. He denied my dispute and later I got a letter by email. I requested to speak to a supervisor regarding XXXX and also wanted to know if my rights as a cardholder were being violated. I was confused why they could no start a dispute. I have other credit cards like XXXX XXXX, XXXX XXXX and others that I have filed disputes with an airline for various reasons and I have won the dispute and no questions asked. But with Chase it seemed that they did not want to do the dispute from the beginning. They did not even ask me what the reason was for the dispute. I spoke with XXXX a supervisor and she told me that they did not do any disputes regarding airline purchases. I want to know why if other credit cards can do it why is Chase refusing to do a dispute. I don't know if it is lazy ness from representatives or they are afraid of airline companies. Regardless I told XXXX that I would file a complaint to find out the truth. I also told her that I want a credit card that is working for me and not me working for the credit card. Is absurd that with my Chase slate edge just got approved a {$4000.00} dollar increase but for what reason if I can't use it. If I charge something else then the dispute will be denied is worthless. I have a perfect credit score so I am confused why I am being denied a dispute on my credit card. Maybe Chase is not worth it like the others or maybe is racial profiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: V and H Portfolio
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I received an email notification regarding a negative account being reported on my credit reports ( XXXX & XXXX ). I have been monitoring my reports closely due to preparing to build a home. Vance & Huffman has reported an account to the credit bureaus without properly notifying me with a validation information notice required under 12 CFR 1006.34. I have not received ANY communication regarding this debt prior to it being reported to my credit reports, as the only information I have is what is being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CAINE & WEINER COMPANY, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a XXXX XXXX XXXX XXXX here in XXXX Washington. 
On XXXX XXXX, I received an Auto finance loan from a Company called XXXX in the amount of {$50000.00} ( XXXX XXXX dollars ) .Within sixteen months the principal and interest was paid in full on XXXX XXXX. 
I received a letter from XXXX  that I owed them $ XXXXI asked them to call the local branch here in XXXX Washington where the loan was received and talk to the accounts manager who signed the contract and received payments on the loan but they told me their accounts representative quit her Job and they can not find her, Instead, XXXX asked me to find her and get a letter from her stating that the accounts was paid in full. 
I responded and told XXXX that I can not find her whereabouts if they can not, and she had received my final payments and signed off on my accounts on XXXX XXXX after correcting and error of an applied outstanding balance of {$6400.00}, fund paid that were not applied to the accounts during her off days. 
XXXX submitted this debt to a collection Agency called Caine & Weiner who threatened my company and my family with legal actions and also to destroy my credit with the credit Bureaus, so that I will not get any credit in the future. 
Caine & Weiner had a Law firm called XXXX XXXX XXXX call me and threatened me with a law suit. 
On XXXX XXXX, Caine & Weiner posted a Negative report on my personal credit files ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Source Receivables Management LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called them To settled to pay a lower amount with the collection agency & they agreed to remove & mark my account paid in full. They lied its still shown on my credit reports in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted but for some reason this company has been adamant about violating my consumer rights and at this point I have been suffered from extreme injury and i would like to move forward with legal actions

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