BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortioXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00}.

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 2023-09-12
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didnt even record the disputed information 's current status, which is another violation. I have all the evidence attached below. 


XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXXXXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Some one use my information to apply fir credit card and fill for loan i need fill dispute and remove the inqurei

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I used my Capital One credit card to purchase flights from the XXXX website. Later that same day, I called XXXX to modify my reservations and was advised that this would cause additional fees. I told the agent to cancel my reservations and was place on hold. Capital One apparently suspected fraud and utilized its Account Validation system to prevent XXXX from proceeding to charge without my permission. It worked. I hung up from holding with XXXX and called Capital One. The Capital One agent advised that the charges could not yet be disputed as they were still pending but unfroze my card and said these charges would all be considered disputed once processed. 

Subsequently, both XXXX and I submitted documentation to Capital One. Although initially agreeing with me that these charges were unauthorized, Capital One has now reinstated most of the disputed charges. 

XXXX has falsely claimed that I agreed to settle this dispute. Despite my demand, Capital One has not provided any evidence ( since there can not be any ). 

Capital One has not formally acknowledged my responses disputing these charges. I have still not received and only learned of Capital Ones XX/XX/XXXX letter regarding a related claim by visiting your website. Its messaging web page is used only to memorialize communications favorable to the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: COMMERCE BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I closed my account 3 months ago. I have a credit balance, which they have not returned to me. I just keep getting statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: SC
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 XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15U.S.C 1681 section 602A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Account XXXX XXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-09-14
Company: Security Credit Services, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 Consumer sent SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX a communication by certified mail green return receipt regarding the furnishings of an alleged unknown debt that I noticed on my consumer report. The communication was returned to me after about XXXX as ATTEMPTED-NOT KNOW UNABLE TO FOWARD I am unsure why it was returned seeing the address was the same shown on the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 have hard inquiries by several companies I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX line ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A letter was sent to XXXX Account number ( XXXX ) for identity theft. 
After receiving my letter they responded with a letter I will upload. Where my alleged account was sold to XXXX XXXX this company is not showing on my consumer report. Therefore, since XXXX can not verify my account I demand this account be deleted immediately. Everything on my credit should be 100 % accurate. 
15 U.SC 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 resonable cause to believe that the information is inaccurate. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4

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 2023-01-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -XXXX, XXXX - XX/XX/XXXX -EquifaxXXXX XXXX XXXX  XX/XX/XXXX -Equifax, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - XXXX, XXXX XXXX  - XX/XX/XXXX XXXX, XXXX XXXX  - XX/XX/XXXX - Equifax, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX - XX/XX/XXXX - Equifax,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I'm trying to open an account with XXXX XXXX XXXX XXXX. My consumer report shows that I opened an account with Key bank, and the contributions reason is Identity Fraud. I tried to open an account with a key bank but never went back to confirm my information. Technically, the account was never open. Now I'm trying to get that cleared up to open my XXXX XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear BJs, I sent the full payment amount overnight to payoff my account on XX/XX/XXXX. I tried to pay at a local BJs location but they wouldn't accept a payment. I followed the instructions on the statement and sent the payoff to the XXXX, TX location. The XXXX attempted to deliver XX/XX/XXXX but there was no access to the location. Delivery was completed on XX/XX/XXXX @ XXXX and was signed for by your employee XXXX XXXX XXXX I would like the payment to be deposited ASAP. The check that was issued by the title company, XXXX was in the amount of the balance at the time of issue ; however my credit card was on file with a few vendors and the statement balance was different. I wrote a personal check to payoff the account. Statement balance {$12000.00}, XXXX check {$11000.00}, personal check {$1100.00}. PLEASE DEPOSIT PAYMENT ASAP & remove any and ALL FEES. Sincerely, From : Comenity Bank Sent : Thursday, XX/XX/XXXX, XXXX AM ( ET ) To : You Subject : Re : Payments Message ID : XXXX I'm with Comenity Capital Bank, which handles your XXXX account. 
This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX, and XXXX is a registered trademark of XXXX XXXX XXXX. I'm here to help with your account needs. 

Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. 

Please keep in mind that to protect your rights under the Fair Credit Billing Act, we need you to provide the dispute in writing. 

See the back of your statement for more information. We appreciate your patience. 

If you have any questions, please click the reply button. 
Sincerely, XXXX XXXX XXXX Customer Care Team PROOF OF DELIVERY BELOW : XX/XX/XXXX, XXXX pm Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX XXXX item XXXX delivered to the front desk, reception area, or mail room at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX XXXX XXXX XXXX. The item was signed for by XXXX XXXX. 
________________________________________ XX/XX/XXXX, XXXX pm Delivery Attempted - No Access to Delivery Location XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Out for Delivery XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Arrived at XXXX XXXX XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Arrived at XXXX Regional Destination Facility XXXX TX DISTRIBUTION CENTER ________________________________________ XX/XX/XXXX, XXXX pm Arrived at XXXX Regional Origin Facility XXXX FL XXXX XXXX ________________________________________ XX/XX/XXXX, XXXX pm XXXX in possession of item XXXX XXXX, FL XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Today, I believe scammers tried to verify my visa account. They had a list of my husband accounts and wanted me to verify if XXXX of them, stating it had been used to open an account with the bank XXXX XXXX. The caller then transferred me to Experian to cancel the account. The next person tried to check other cards and stated the government has a program to reduce debt by XXXX percent. I asked the agent to call back on Monday because the accounts belong to my spouse. I immediately called visa and requested the card be closed and a new one issued. How is so much information getting out and how to do I correct it?

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 2022-12-12
Company: Experian Information Solutions Inc.
State: FL
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'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 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 2022-06-13
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
When i want to the store i purchased the card once i made it home i tried to activate the card which they said the card was already activated in someone else 's name and all my funds was already moved to somewhere else

Company response to consumer: Closed with explanation