BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX # XXXX Account name : 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
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: FL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: CA
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/19 I paid my XXXX XXXX credit card bill with a XXXX ACH for {$700.00}. My Accountant informed me that I should cancel the ACH because it was a Corporate Account. I cancelled the XXXX ACH and remitted a XXXX ACH on XXXX {$620.00} which was my new Balance. XXXX XXXX XXXX sent both ACHs to XXXX which would only authorize the ACH for {$620.00} because that was the only one authorized by me. XXXX XXXX repeatedly asked me for a letter from XXXX stating I authorized both ACHs. I refused because that was not right or authorized. My Credit limit was {$950.00} and the total of the ACHs was {$1300.00} which was almost double of what I owed. They closed my account which was ok with me and I spoke with many employees of XXXX XXXX and I asked them how to take care of the balance and they informed me to pay as agreed and no problem. XXXX payment was made on time as usual as well as XXXX payment. XX/XX/XXXX XXXX XXXX reported to Experian that I was late and they charged off my account. I have had this card for over 2 years and have never been Late. This is reflected in all my documentation I have to support this. Experian still show a charge off even though I have all the supporting documents proving I have paid as the cardholder agreement and XXXX  XXXX is abusing their power to report a charge off even though I have paid as agreed. Experian has removed the late payments and the past due amount XXXX XXXX was reporting through 2 different open disputes I have filed. This XXXX XXXX Charge off should be removed and shown paid as agreed. This has lowered my credit score over 59 points. I havent contacted the other credit reporting agencies about this injustice but I will. I pride myself on making all my credit card payment as agreed. This is hurting me tremendously. Thank you!

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 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One has reported to XXXX with 3 different late payments and all of them are incorrect I've haven't made a late payment below I've attached the print out from Capital ones website of my payments and they are all on time and some months I paid 2x 's in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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:
XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XX/XX/XXXX ( 4 yrs, 3 mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XXXX Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-05-14
Company: EQUIFAX, INC.
State: VA
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, XXXX XXXX conducted a inquiry to my credit report for the sole purpose of refinance my mortgage. Key findings from this inquiry demonstrated that the credit bureaus deluded their updates. I am tired of living under the shadows of credit inaccuracies and prolonged delays in updating records. Specifically, with XXXX XXXX XXXX XXXX 's perpetual financial oppression to XXXX and XXXX minorities. 

XXXX XXXX XXXX continues to misreport my payment history ( see attachment # 1 ). Credit reporting agencies are culprit by refusing to properly update my file. These economic disparities are affecting my ability to access better interest rates, economic opportunities of refinance and roadblocking financial pathways to freedom ( i.e. : XXXX 's economic repression and enslavement ). 

On XX/XX/2021, a second request for investigation was sent to Equifax, XXXX  and XXXX XXXX see attachment # 1 ). On or around XX/XX/2021 investigation results were mailed and updated ( see attachment # 2 ). The results showed on-time payment history. 

I am frustrated with inequities of a fragmented reporting system that caters to financial organizations rather than consumers. I hope the Consumer Financial Protection Bureau enforces measures that protect consumer like me. Consumers who have been neglected by credit reporting agencies and whose interests are not in line with corporations or banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-03-31
Company: CL Holdings LLC
State: AE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called the debt collection company Jefferson Capital System about a debt that showed up on my credit report for {$3800.00} on XXXX XXXX XXXX. Company uses an automatic service, reach a fraud representative who asked for my last four of my social and address. I was told my debt was sent to another company. I was giving the phone number ( XXXX ) XXXX which is not a working number. Something isnt right about this and its effecting my credit. Now the other collection company want answering any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Got a promotion from Bank of America if I do apply before XX/XX/2022 saying you will get {$200.00} cash rewards bonus after making at least {$1000.00} in purchase in the first 90 days of the account opening, which I did exactly using there promo code XXXX also saying Unlimited cash back and no annual fee. after waiting few months I tried get the {$200.00} cash rewards and the website will not allow me to do that stating I did apply for a traveler rewards which I never did in the first place. after talking to customer services many time and saying the will fix the problem which they never did. Last time I contacted them and they were not helpful for solving this problem at all. I still have the promotion letter they sent. I fee their promotion is misleading instead sending me the card of the cash back which allow me to get my {$200.00} cash rewards they did send a card with traveler rewards which I never wanted.

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 2021-05-14
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: Personal information incorrect

Complaint:
My personal information is incorrect with XXXX, XXXX, and Experian. They all have inaccurate personal information on my credit report.

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 2021-05-14
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/2020 I used my paypal account to receive my unemployment deposits. The initial deposit from Nevada Unemployment was for {$7400.00} on XX/XX/XXXX. I was able to transfer money out on XX/XX/XXXX and XX/XX/XXXX with all amounts being within their terms and conditions. The next time i tried to use my account I received the message that my account was limited and that i would have to wait 180 days before i would have access to my account. On the paypal website it clearly says " Since 180 days have now passed, you can now transfer your money from your PayPal account. You can transfer your money to a bank account or eligible debit card on your account. You may need to update your bank account or card, or add a new bank account or card before being able to withdraw your money. '' On XX/XX/XXXX i received an email that said the 180 days are up and that I should be able to transfer money out of my account. I have not been able to do so even now. I also dont have an option to add a bank account to be able to transfer funds or have access to my paypal cash card thats linked with my account. Everytime i call and ask about my account I get a different answer. One time i was even told that they cant do anything to help me. Which made me feel that they have no intention of giving me my money back. Its not only been 180 days since i dont have access to my unemployment money but its been way over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: FL
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:
un-autorized INQUIRIES AND ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is committing securities fraud and will not credit my account. I was sent a payment coupon/security by XXXX  XXXX, I endorsed the security/coupon for deposit into my Treasury Direct account for deposit and XXXX  XXXX Financial reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. XXXX XXXX XXXX is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. XXXX XXXX XXXX remains to report fraudulent information to Experian and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of XXXX XXXX XXXX involved in the extension of credit, did XXXX XXXX XXXX lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did XXXX XXXX XXXX follow generally accepted accounting principles, XXXX? Yes or No? XXXX XXXX XXXX is making false statements and damaging my credit worthiness for no reason. I demand XXXX XXXX provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.

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 2022-02-26
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I never opened the Destiny Mastercard but received a bill in the mail. I checked and noticed that this bill is also on my XXXX  credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
A notice of default was filed on XX/XX/XXXX against the Estate of XXXX XXXX XXXX who is the borrower -- now deceased -- on a HELOC illegally obtained in XXXX. Her XXXX daughters as co-personal representatives were served notice of the default. in the The lien on my property is in the amount of {$500000.00} because she used my home as collateral without my approval or knowledge. She manipulated recorded ownership documents to qualify. My home address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( mailing address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). XXXX was using an expired trust to convince Wells Fargo mortgage department that she was eligible to act as trustee for her daughter 's estate, the Estate of XXXX XXXX which was the legal owner of record of the property at the time. She was granted a personal loan by claiming it was her primary residence which it was not. In fact, all correspondence to her went to her personal primary residence on XXXX XXXX and not our home. We are subject to the foreclosure. This is negligence and fraud on the part of Wells Fargo as conspirator in granting this loan.

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: DISCOVER BANK
State: AZ
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:
If tried many of time to dispute accounts thats not mine and address that dont belong to me and cant get them removed because of consumers law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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:
I have been attempting to correct unknown things on my credit report since XXXX, 2021 but i have not received a response or deletion of these things. I feel this is VERY unfair and I am being taken advantage of by having my disputes ignored. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my consumer credit report. As it has been well over 60 days these items should have been deleted. I DEMAND these accounts be deleted immediately or I WILL file for litigation due to the stress you have now caused me. My information was also impacted by the equifax data breach and may got into the hands of another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Medical Data Systems, Inc.
State: VA
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:
XXXX XXXX were rendered by XXXX XXXX XXXX XXXX  XX/XX/21 the Alabama statute of limitations for medical debt is 2 years this account is still being reported and should be closed with derogatory marks removed as its been reported for 4 months past date of limitations were up

Company response to consumer: Closed with explanation