BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
XXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2016 - {$0.00} XXXX Overview Reference Number XXXX I have tried getting this off never file a bankruptcy in 2016

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 2023-03-09
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: NJ
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:
EQUIFAX is furnishing information on my report without my written consent. I am the consumer and reporting is optional. I tried several times by mail and phone to get this matter fixed and EQUIFAX has failed to comply with the Fair Credit Reporting Act, Permissible purposes of consumer reports [ XXXX XXXX. XXXX ], which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with the written instruction of the consumer to whom it relates. I reached out to the XXXX XXXX regarding this matter and that will be my last resort before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed some accounts on my report I do not recognize

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 2023-07-12
Company: EQUIFAX, INC.
State: SC
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 checked my report, I saw a collection account for {$200.00} from XXXX XXXX from a power company. This power bill is not mine. 

On XX/XX/2023, I sent a dispute via certified mail to XXXX and Equifax, explaining how that account was not mine and that it should be deleted. In response, both companies claimed the account was verified as accurate. 

On XX/XX/2023, I sent a debt verification request to XXXX XXXX via certified mail. In response, XXXX XXXX sent a letter claiming that the debt originated from an address I have never lived at ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC ). Additionally, XXXX XXXX failed to provide adequate debt validation per the Fair Debt Collection Practices Act. 

On XX/XX/2023, I sent copies of all the aforementioned documents to XXXX and Equifax via certified mail. Again, both companies have refused to remove the collection account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been disputing this account since XXXX of XXXX. This Bridgecrest account was removed from my XXXX & XXXX Credit report as of XX/XX/2021 because they did not provide the correct information according to State of Florida State XXXX  and XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. nor did they provide this information in a timely manner. And also they were reporting inaccurate information to my credit report. Once I did receive this information in the mail it was all falsified and Re-typed information. I noticed they put a falsified electronic signature on the contract. They did not provide me with a copy of the ORIGINAL CONTRACT with a WRITTEN signature on it. I NEVER gave consent for them to use a electronic signature on my behalf. I also sent out Letters to XXXX and Bridgecrest asking them how they verified the debt around XX/XX/2021 Certified mail return receipt. Bridgecrest NEITHER company has responded and its been beyond 30 days! Nor did they respond with the correct information that I asked for which implies that they did not complete the investigation process correctly. I have attached pictures of the certified mail return receipts along with this complaint. The only responses ive received is them stating that they DID verify the debt but they did not tell me HOW they verified the debt. Please Delete the Bridgecrest account from my credit report as soon as possible! As it is hindering me greatly. I have attached pictures for proof of evert=ything ive stated in this complaint. i've also already filed an FTC affadavit against this account which ive included with report as well.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE 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:
After reviewing my credit report, I saw that my rights as a consumer has been violated. According to the FCRA, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States " the term consumer report doesn't include any report containing information solely as to transactions or experience between the consumer and the person making the report. " Late payments are a form of transactions according to the credit laws. All bureaus, Transunion, XXXX and XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. " I never gave any of the consumer reporting agencies written permission or instructions to report any inaccuracies let alone these late payments. Also according to 15 USC 1681 602 Congressional findings and statement of purpose states " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. " It also states " the banking system is dependent on fair and accurate credit reporting. '' Reporting inaccurate information on a consumer reports directly impairs the efficiency of the banking system. Nothing about the reporting of these late payments are accurate and I have never received sufficient proof that they are accurate and my privacy has been violated due to the consumer reporting agencies violating my consumer rights by allowing these inaccuracies to be reported on my credit reports. I am requesting that you do the right thing and delete this information from my 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 non-monetary relief
Consumer complaint received 2017-07-18
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had to break my lease as I lost my job and was no longer able to afford it. My final bill from the complex was   XXXX   and change.
I get a phone call from hunter warfield stating that I owe over 8k dollars and interest is accruing daily.. I explained that I am more than willing to settle this debt AFTER they remove all the fees, interest and remove from my credit report they said yes, the payments were set up, the account was removed from collections..the following month, the account was back on my report with higher amount owed. They called and I refused to work with them. Now what?
It has been disputed and I have one this battle already.. why is it back on my credit report?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged 2 over draft fees. XXXX on XX/XX/ for XXXX $ and second on XX/XX/ for 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX : {$2000.00}

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021 I was sent a letter from XXXX XXXX XXXX advising that my account was paid off due to my auto insurance company XXXX paying the balance of XXXX in full and I owed XXXX. This account is still reporting to my credit report in error and violating the fair credit reporting act The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

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 2022-10-07
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion made. And Im sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate Information.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am the author of this complaint and after checking my credit report I noticed some fraudulent, inaccurate, and incomplete reporting on my credit report. The inaccurate reports are damaging my livelihood and reputation and affecting my ability to be approved for a higher credit limit increase and an apartment. I am disputing the accuracy and completeness of these accounts mentioned below and I would like the results of the investigation sent to me in the mail along with any method used to verify Remove Collection Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update Late Payments to 100 % paid on time : 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 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On  XXXX    XXXX   2017 a fraudulent charge of {$57.00} was made on our Capital One Visa Signature card from a   XXXX   in Georgia. We live in Illinois and have never been to Georgia. It was flagged as fraud and we were told another attempted charge was stopped. A credit was issued as well as a new card immediately. On our   XXXX    statement the charge was reinstated for some reason. I have called several times and have gotten several different reasons that it was recharged. One being that we have used the card at a   XXXX    elsewhere and another said that someone else called and said it was valid which is not the case. I have insisted that it was fraud and that it had been originally flagged by Capital One, but it is now nearly   XXXX   and I can not get it removed. We have cut up our cards and no longer use them and will probably close the account once this issue is resolved. I am writing letters to the company today as well to try to get someone 's attention and a credit of {$57.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Dear CFPB Representative, I am writing to file a complaint and seek assistance regarding the unjust closure of my PayPal account, and I kindly request your help in investigating this matter. I am deeply puzzled and disappointed by this situation, and I hope that the CFPB can assist me in resolving this issue. 

On XX/XX/2023, I received a notification from PayPal informing me that my account had been closed. However, the notification did not provide any specific explanation or reason for the closure. As a long-term user of PayPal, I have never violated their terms of use or engaged in any improper activities. Therefore, I am extremely confused as to the reasons behind the closure of my account. 

I have attempted to contact PayPal through their customer support channels, but unfortunately, I have not received any detailed explanation or resolution regarding the closure of my account. This has left me feeling very frustrated, as I rely on PayPal for online transactions and financial activities. 

As a consumer, I believe that I have the right to fair and transparent treatment, including in situations involving account closures. I trust that the CFPB, as an independent agency dedicated to protecting consumer rights, can assist me in investigating this matter and engaging in discussions with PayPal to find a resolution. 

In this letter, I sincerely request that the CFPB take the following actions : Investigate the reasons behind the closure of my PayPal account and request PayPal to provide relevant explanations and evidence. 
Exert pressure on PayPal to handle my appeal fairly and reconsider their decision to close my account. 
Provide any necessary legal or regulatory support to ensure that my rights are protected and that I am treated fairly. 
I believe that CFPB 's intervention and investigation will help resolve this issue, and I hope for a prompt handling of my application. I am willing to provide any additional documentation or evidence to support my complaint. 

I look forward to the support and assistance of the CFPB, and I hope for a timely resolution to this matter. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX Paypal account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I I went to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to have an exam. After a two hour wait, I saw the XXXX. I was presented with a application for credit at 27 % interest from CareCredit/Skynchrony Bank. I filled out the application but decided something was wrong and never had any work done. My visit was paid for by insurance.
It appears XXXX XXXX used the application as a scam to get money from CareCredit ( {$1500.00} ) claiming the work was done. Now I am getting bills from CareCredit for {$1500.00} as well as late charges for work never performed.
I have notified CareCredit by mail twice of the facts and instructed them to cancel the application, credit card, and not contact me again.
After two months they continue to bill me and add penalties. I fear they will damage my credit.

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 2022-11-05
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:
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, XXXX 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. 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