BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: NV
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
VyStar Credit Union embarked on a mobile banking upgrade XXXX  XX/XX/XXXX with a stated outage of XX/XX/XXXX - XX/XX/XXXX. They have been unable to bring their systems back online in any meaningful or useful manner in the two weeks since. 

In an online post on XXXX on XX/XX/XXXX, they stated they were " re-opening '' online banking via web browser only and no app for the stated near-term. What they have provided is an electronic " queue line '' in which you may be XXXX plus in " line '' and will wait for upward to an hours to gain access to sign on screen. In many attempts you will either not be able to log in, log in and only see balances and no transactions or simply have your connection reset to have to attempt the process again. 

There stance is to use ATMs, their XXXX cal center or go to a brick and mortar branch. I have found two ATMs in my area down when attempting that route, thus causing me to travel several extra miles to look at balances. Call queue times are extraordinarily long as are lines at branches. All of these solutions have financial impact as to the use of fuel and current gas prices.

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 2022-05-27
Company: EQUIFAX, 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:
In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. Credit union still refuses to remove this inaccurate and illegal reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. Credit union still refuses to remove this inaccurate and illegal reporting from 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 explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-02
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: Investigation took more than 30 days

Complaint:
I have been unsuccessful in my attempts to be provided validation in connection with accounts listed on my credit report : XXXX. XXXX XXXX XXXX  {$2600.00} XXXX. XXXX XXXX XXXX XXXX {$570.00}. 

There are duplicate entries on XXXX report XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. 

There are duplicate entries on XXXX XXXX. XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX for XXXX sent correspondence in response to the validation request reporting a court-awarded judgment.

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 2023-08-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-01
Company: EQUIFAX, INC.
State: NC
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:
Went to a used car dealership, and the salesman told me they was only going to run my credit report XXXX time an when i check my report multiple credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: SYNCHRONY FINANCIAL
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:
Account # XXXX Synchrony Bank made a incorrect late payment to the credit bureau which reflected on my credit report. Im asking to have the action removed from my credit report as soon as possible and all payments to company are final.

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

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 2023-04-11
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/2011 Balance {$3100.00}, DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/2011 Balance {$2100.00}

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 2022-11-02
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX XXXX ( a ) ( XXXX ) I have the right to privacy. 
15 U.S. Code 1681 Section 604a Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) 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. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : 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 2023-06-20
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:
I have contacted Equifax numerous times. Recently, on XXXX, XXXX, XXXX and today ; XXXX. Each time I have spoken with a supervisor to explain my challenge with the Date of First Delinquency being reported for two accounts ( both charged off ). One account is with XXXX XXXX and the other is XXXX XXXX. This is the challenge : 1. Equifax is reporting the DOFD for XXXX XXXX ( Balance {$10000.00} ) as XXXX, and I have a document created from Equifax 's website ( XXXX ) showing the DOFD as XXXX. 
2. Equifax is reporting the DOFD for XXXX XXXX  ( Balance XXXX ) as XXXX, and I have a document created from Equifax 's website ( XXXX ) showing the DOFD as XXXX. 

XXXX, I called and received the confirmation number # XXXX for both accounts. I will add this Supervisor was very professional and understood my challenge. 
XXXX, I spoke with XXXX who was extremely professional and promised to investigate my challenges and call me back. Although she said it would take time and promised to personally call me back ; I have yet to hear from her. 
XXXX, Today, I called only with the hope of gathering information/status via notes from XXXX and spoke with XXXX ( Supervisor ). The conversation was less than desirable, e.g., no empathy and lackadaisical effort to assist. She only suggested sending in the documents, which I tried to do on the XXXX, but had confidence the previous Supervisors would be successful, because of their eagerness to help. 

Special Note : I shared as a point of reference, and to validate my concern to each Supervisor to please take a peek at another account - XXXX XXXX, which is a collection agency, and connected with XXXX XXXX  ( I am not disputing the DOFD with XXXX  - this is only a point of reference ). XXXX XXXX  sent the account mentioned above to XXXX  - they would notice upon review that XXXX  is reporting the correct DOFD, which is the date for the account to be removed from my report as XXXX ( Reported by XXXX XXXX  ), not XXXX. XXXX ( Supervisor ) completed agreed and understood. XXXX ( Supervisor ) simply said, send in the documents. If I continue to dispute, based upon experience, the accounts will only update, and my scores will drop from the updated information - not the correct DOFD. 

I am asking for your assistance as a tribunal, and as a advocate for customer service to assist in having Equifax to correct the DOFD for both XXXX XXXX XXXX XXXX. It would be a blessing to also mention the learning opportunity should they decide to listen to recording, which will aid towards a meaningful culture. 

Please see the attached report from Equifax - XXXX. I also have more credit reports from Equifax saved since XXXX, which is when I started monitoring my credit from my previous mishaps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 2023-05-19
Company: EQUIFAX, INC.
State: AR
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:
As I investigated my credit report, I found out that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts I mentioned : XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was sending a friend monies and I only have a chime account. I saw the pay anyone. I entered in her telephone number. I called chime minutes later asking how long before the link would be sent to XXXX XXXX phone. I was informed an individual that has a chime account at one time had XXXX XXXX number and they hadn't updated their information. This transaction should have been canceled but Chime told me there was nothing they could do. I had XXXX next to me and explained to them XXXX is the owner of this number. I sent XXXX. I live on a fixed income. XXXX was borrowing the money and was paying me back in 2! days. I have spend the last 7 days on the phone with chime as they continue to dispute my claim. In the meanwhile the chime member that has the same number withdraws the XXXX. This should have been canceled the minute I called and raised a red flag. They ask me to provide proof XXXX owns the phone. Which I did XXXX went to XXXX and had her latest bill printed. Chime never intended on refunding me the monies nnif I wanted to pay a chime member such as XXXX I wouldn't have done the pay ainyone ni did not enter XXXX number I entered a phone number. Chime says its XXXX  fault for recycling s number. I say chime was careless and should have canceled the transavtoon when XXXX didn't receive the link immediately as promised. It's not their money. They don't care or have any interest in protecting their clients. In the meanwhile my bills are bouncing I'm piling upon overdraft and late fees return check fee. This is so stressful. I have been on the phone with yen for 8 days and they take minutes to send me a denial. I need help. I have no idea how I'm gon na recover from this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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 9th 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 alleged fraud or extortion. 
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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 The life at XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Capital One, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 around XXXX  I ordered silver coins from XXXX XXXX for what was a very good price {$390.00}. I decided to research the company as I found my price was below the current price of spot silver. Impossible to sell at less than cost. Within an hour I called their phone number-not working- and emailed them cancelling the order.I I contacted Capital One the CC I used and told them to eliminate the charge. No problem. Within XXXX weeks the money was credited back to my Capital one card. Case closed to my satisfaction. 
A few weeks later the money was again charged back to my account. 
I did a complete study of XXXX XXXX and spoke to Capital One about the problem. 
I waited. Nothing happened. After repeated phone calls Capital One informed me that they had emailed me ( never received ) and sent a letter to my correct home address _received_ informing me of the details. I sent them complete research showing my cancellation email etc. I asked them to reopen the file. Many phone calls and I was told hey contacted XXXX who said coins were sent. A lie. Thus I was charged again. I faxed and sent by mail all the details. I checked with my post office using the tracking code XXXX gave as proof of delivery. The post office said it was not for me at my address and it was fake. PO said contact your credit card company. Capital One never checked the proof of delivery with the Post Office for accuracy..to date nothing done by Capital One

Company response to consumer: Closed with monetary relief