BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.

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 2021-05-07
Company: EQUIFAX, INC.
State: NC
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 have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
Im not sure when the account was opened but I discovered the account last year in XXXX. XXXX XXXX has a fraudulent account with my information that theyve already closed and wont remove from my credit report. Theyve already identified a different number thats reached out to them years ago but still wont do anything to resolve the issue.

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 2022-01-04
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had card for almost two years, never missed a payment or was late, not even once. Called company in XXXX to remove auto pay from my now closed bank account. Capital One never remove it and I didn't know because the account was closed. I continued to call and make monthly payments ON TIME yet they still added a late payment and fees for one month! I hadn't used the card that often until XXXX. Once i used 90 % of my credit and closed a previous account with capital one they instantly closed this account on the same day and sent it to collections. This is a scam! Now I have higher interest on a card that i cant use. Contacted company atleast 5 times to Un restrict my card and they stated that the card was canceled when it says " restricted '' online. This is a scam to keep people in debt. Ive asked for a cooperate contact and was directed to an email. I was told my account would be reopened after 10 days and continue to make payments its been a month and after my last call on XX/XX/ I was told my account would never reopen and i did not qualify for another crad. this company is scamming people

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: CITIBANK, N.A.
State: UT
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:
I do not want the banking institution infringing upon my civil rights by telling me what purchases I can or can not make. When I apply for a credit card it is my choice what I will purchase not the banking industry. 

Respectfully, 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 2023-03-28
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX 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 conviction 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 2022-06-16
Company: Experian Information Solutions Inc.
State: KS
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 XXXX  has violated my rights 15usc 1681 section 602h, my right to privacy along with 15usc 1681 section 604a section 2, publishing my information without written consent. The following accounts are collections XXXX dollars, acct number XXXX XX/XX/XXXX, which has been paid and never removed. The next two collections are each XXXX dollars, account ending in XXXX and XXXX, these have also been resolved and not removed. The last account is XXXX XXXX XXXX  acct # XXXX of XX/XX/XXXX, which is resolved, closed, and almost XXXX XXXX XXXX, the above 3 medical accounts even if they were not resolved, they are all below 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 2023-01-06
Company: Experian Information Solutions 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 a Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX   was paid off in full on XXXX XXXX XXXX. The credit bureaus in question knowingly placed late payment on this account on XX/XX/XXXX after receiving this information XXXX. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status XXXX XXXX. 

This account XXXX XXXX XXXX XXXX XXXX  originated in XXXX It was reported to the bureaus as fraud in XXXX XXXX XXXX with a police report. For some reason this account was updated and reported as late payments XXXX times to the bureaus in XXXX XXXX XXXX XXXX XXXX after the account was already closed and charged off. I have tried to resolve these illegal " BILLING ERRORS '' in the last XXXX months with the bureaus in question with no results. The bureaus in question have undeniably hurt my potential for a loan and lines of credit that I have applied for and they have violated my rights under these sections of 15 U.S.C 1681. 


15 USC 16 81 section 602a. States I have the right to privacy.

15 USC 16 81 section ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following item of information, any other adverse items of information, other than records convictions of a crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that 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 2022-01-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
To whom it may concern, this is the response for the previous complain ( XXXX ID : XXXX ) where an check issued by Citibank has not been received but later found cashed by someone else. I have been contacted by Citibank since submitting the complaint on XX/XX/2019 and have provided the executed and notarized document ( Affidavit of non receipt ) to Citibank as request. However, there was no response despite numerous email to the customer service or Citi XXXX. For the ease of reference, please find below for the claim number and card info used during our conversation with Citi Bank Claim Number : XXXX - Citi card ending : XXXX Appreciate for your help last time and kindly assist following up this issue on behalf of us. 
PS. I can be reached by email ( XXXX ) or mobile ( XXXX ) PS. This is my third time reporting this issue to CFPB, however Citibank has been very inactive providing feedback on this issue Best regards 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 monetary relief
Consumer complaint received 2019-03-27
Company: ResidentCollect, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to reach out to Innovative Recovery since XXXX. I have mailed documents to settle the account in collections and they have all been returned to me marked vacant address ( see tracking info provided ). I have reached out to them by phone several times and have not received any response. I have disputed this account in collections with all three bureaus and it has been removed successfully from two of them. I have not been able to get it removed from XXXX   and I have not been able to reach Innovative Recovery so Im at a standstill and need this off of my credit. XXXX suggested that I file a complaint against the collection agency since they are not cooperating with me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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:
On XX/XX/2022, I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts information : 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 2022-01-04
Company: WESBANCO BANK, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021, I reached out to my bank, WesBanco, regarding a negative balance of XXXX, with my checking account. I never in my life had a negative balance that high. I also was always told that my checking account would never be over a XXXX balance. I stopped at my bank over my lunch break from work to ask for a copy of my checking account activity for the month of XX/XX/2021. ( attached of what I received ) The young XXXX  at the bank told me she was new and was unsure of all the charges that placed my checking account at such a high negative balance. Later that day, I reached out to another WesBanco employee via e-mail, to see if I could get a better explanation. I was told that it is the financial institution as to how many times a check can be submitted and re-submitted again and again to incur {$35.00} overdraft fees. I have been a WesBanco customer for XXXX years and never have been treated so badly. I am now in the process of seeking out a credit union for my future bank services. I feel I have been singled out and have been the victim of unnecessary service fees forced on me by my banking institution, with no explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX  Equifax, XXXX  )  and the Creditors ( US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXk XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TD BANK US HOLDING COMPANY
State: WA
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:
Verification incomplete In accordance to FCRA XXXX XXXX  XXXX has violated my rights 15 U.S.C. Sec. 602A states I have the right to privacy. 15 U.S.C. 1681 sec. 604A sec.2 also states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account updated ASAP : XXXX XXXX XXXX XXXXXXXX

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 2021-05-07
Company: EQUIFAX, 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:
The following account was disputed and taken off my credit report due to the fact that it was fraudulent. XXXX sold the account after it was deleted in XXXX to XXXX XXXX and I am requesting that it is deleted permanently from the credit report and not to appear again. There are also inquiries the were not initiated by me that are stated in the police and the FTC report that needs to be removed. It has been well over 5 days and yet the negative and erroneous information is still reporting this has caused me to be denied credit as well as impact my way of living. I am requesting that the bureaus follow the FCRA law 605B and remove these items listed immediately otherwise I will seek litigation. Thank you!

Company response to consumer: Closed with explanation