BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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 following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # 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 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 2022-01-19
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is about LVNV funding. They sent letters to a place I was living in three months ago in the males forwarded to my mothers house. On XX/XX/2021 I received a letter saying after reviewing the dispute they have a reason to believe that it was submitted by a credit repair organization. They continuously misrepresented their self but from the same company I received the first letter on XX/XX/XXXX of 2021 I have that latter.. I received another letter on XX/XX/XXXX of 2021. I received another letter for garnishing my wages after they actually garnish my wages. And the price That was supposed to be old was {$900.00} they sent me a or order for {$1300.00} Today I received a court order which is XX/XX/XXXX I received another letter with {$1400.00}. This is for another court order I dont understand why this is happening. If there was already a court order where the air they sent me another court order. They misrepresented their self to my job and I dont think its fair that they could do this to people. How is it that theyre already taken wages from my check but now they want more is that even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A company that Castle Credit say they finance. Fraudulent conned me. To get a waterfilter system I didn't need or even want from XXXX XXXX XXXX which is out of business now because they were doing shady business!!! I told them I couldn't afford the XXXX XXXX XXXX & the company told me to just try it & if I ever got behind on the payment. The company would help me out, which they never did. Also, they was suppose to send a female to finish the paper work, still I told them I don't want it. They said the lady had got into a crash & they would send someone else in a couple of days. A crazy guy showed up, & said he owned the company & that I had to sign it because it was pass the trial period which I knew nothing about, plus I informed him. I still didn't want the unit & he wouldn't leave. I suffer from XXXX XXXX. So I just signed it, so he would leave. The company was notified but they still wouldn't come take back the water filter unit. I never wanted & still don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX, Account ending in # XXXX, # XXXX, and account ending in # XXXX have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have bought {$500.00} Vanilla Visa Gift Card from XXXX grocery store on XXXX XX/XX/2022 at XXXX pm. Card was approved at the XXXX and I got the receipt with approval/Auth. When I tried to use the card for making payment at Car repair shop it does not work and it was very humiliating for me. When I tried to check the balance on vanilla gift card website it was showing system error. After that I have tried to check the balance using the phone XXXX and the automated message told that there is some issue with Card and then talked to the customer care and share the card details but they are not able to resolve the issue. Moreover they are asking with me for more time, I have already made the payment for the card at the XXXX XXXX XXXX and still not able to use it. I hope that Consumer Financial Protection bureau will take proper action against Vanilla Visa Gift card company in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: MI
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 previously disputed XXXX XXXX Bankruptcy with said company and in response they verified the item as accurate stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 tried several times to get Transunion to investigate several incorrect items on my credit profile. Each time I submit letters, I receive correspondence back from Transunion stating they applaud my efforts in trying to repair my credit, but they have failed to send me proper investigation results. I have several accounts reporting as open on Transunion. XXXX is reporting several collection accounts with past due balances. I have written letters to both bureaus with hopes of proper investigations being completed. Both bureaus continuously violate my consumer rights by reporting incorrect information. According to the FCRA I am entitled to a correct and accurate consumer report. XXXX reports that they have completed a proper investigation, but how is that accurate or a true if account XXXX XXXX XXXX shows a past due balance and the status date is inaccurate. These are all grounds for a removal. Account # XXXXAccount XXXX XXXX XXXX shows a past due balance as well as an inaccurate status date. Also XXXX XXXX XXXX, Account # XXXX shows an incorrect status date and also a pass due balance. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) The law clearly states the credit bureaus have 5 days to notify me of when they receive my disputes. 
They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) If items are found inaccurate or can not be properly verified, the Consumer reporting shall promptly delete the information from the file of the 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 2020-02-01
Company: AMERICAN HONDA FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
I have an auto loan with Honda Financial Services. My XXXX and XXXX payments were reported as late. I called the creditor to inform them that I had made a payment on XX/XX/2019 and XX/XX/2019, but they insisted that my payment was made late. In my statement from Honda it even shows that the payment was received on those dates. I have until the XXXX of each month to make my payment before it is considered late, and since I made the payments before the XXXX they shouldn't be considered as late at all. I reached out to the creditor a few time to request an updated report but they said I would have to contact the credit bureau on my own. Even after contacting the bureaus it did not help. I don't know why they are reviewing it as being late when I did make it on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-01-01
Company: DISCOVER BANK
State: NJ
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 was XXXX  on income tax related charges XXXX XXXX, 2011. On XX/XX/2011 someone opened, charged and maintained a Discover credit card in my name, account XXXX. I have provided Discover proof of my XXXX  by the Internal Revenue Service and Discover repeatedly persists in incorrectly informing me that it has VERIFIED AS ACCURATE the account by sending me photocopies of monthly charge statements that occurred while I was XXXX. Discover has willfully violated my right to dispute inaccurate information information, under the Fair Credit Reporting Act, 15 U.S. Code 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: XOOM CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Transaction date : XX/XX/2021, XXXX XXXX  XXXX Amount : {$190.00} I sent money on the above date but other party never piked up that amount. 
After a while Xoom is a service of XXXX XXXX XXXX sent an e-mail to me because other party never picked up a money that they will refund my money. They supposed to refund to my credit card because I used credit card for sending money. But per their e-mail they sent e a check which I never received. 
I called them many times and every time they gave me a story that supervisor will look into it and send me my money soon. 
I am still waiting and sick of calling these guys. 

Please, look into it and let me know what do I need to do to get my money back. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: DISCOVER BANK
State: MA
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:
A credit card was fraudulently opened under my name in XX/XX/XXXX.i never applied nor had this card and Ive been disputing as well as made a police report on this as well, a gentleman by the name of XXXX XXXX stole my identity opened auto loans and credit cards and also stolen my father information and opened business cards under his name and took {$19000.00} out of one card through a XXXX  app

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax dispute department XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Account # XXXX XXXX  Dear Equifax, I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX, with the creditor XXXX. 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account.

I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report.

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame.

Please note that I am making the same dispute with XXXX, and I expect a thorough investigation from both credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally dispute an unauthorized inquiry made by Pentagon FCU-XXXX, which appeared on my XXXX Credit Report XXXX The inquiry, dated XX/XX/2023, was conducted without my consent or authorization, thereby violating the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiry by Pentagon FCUXXXX has XXXX affected my credit profile without lawful basis or my explicit permission. As per the FCRA, any credit inquiry made on my credit report requires express consent, which I did not provide to Pentagon FCUXXXX. 

I am formally requesting an investigation into this matter and the immediate removal of the unauthorized inquiry from my credit report. According to FCRA guidelines, I am entitled to verification and documentation validating the legitimacy of this inquiry, which I have not received. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry for your reference and investigation. 

I request that XXXX conducts a thorough investigation into this unauthorized inquiry by Pentagon FCUXXXX and provides me with a written confirmation of its removal from my credit file. Furthermore, any adverse effects on my credit score or creditworthiness resulting from this unauthorized inquiry must be rectified promptly.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX  Bankruptcy Court : U.S. Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 -Today I contacted NORTHERN DISTRICT OF ALABAMA located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the phone number ( XXXX ). They informed me that they do not supply information the third parties. How did you verify this public information?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reported to XXXX that they were reporting inaccurate information on my public records they launched and investigation and said their credibility source was accurate with information. They never contacted the courts in regards to this issue and the court has stated they do not provide information to the credit bureaus as such. XXXX continues to report theses bankruptcys with out providing validation and XXXX is not a credible source.

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 2023-05-08
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the company reported debt after i called them and let them know this isn't my debt. i don't owe {$710.00} to any company. I also told the agent that their company is not licensed to report debt or any kind in my state. They can only report a debt in Arizona, Idaho, Indiana, Nebraska, north Dakota, and Oregon. I live in neither of these states. 
I verbally disputed this debt and also asked kindly that it not be placed on my credit report with any reporting bureaus. I informed the agent that their company is not licensed to report any debt in my state and that under the fair credit act it is illegal for them to do so. That their actions will cause a negative result on my credit scores. 
i am submitting a complaint against ccs commercial, llc mailing address XXXX XXXX XXXX XXXX, ma XXXX i spoked with this company a few times about this situation and the agents were rude and didn't want to hear what i was talking about. Their response would be pay the debt and how would i like to pay. when i brought up the state where i lived and asked them to send proof of me owing this debt, with an explanation of their methods used and a description of the record reviewed, when they conducted their investigation, including but limited to sending a copy of that information to me so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. as per section 609 under the fair credit act, i am entitled to see that source of the information which the original contract that contains my signature. also the original contract that that binds me with ccs commercial llc which should be sent by recorded delivery so there is independent witness to it having been delivered. 
There for under these circumstances i am submitting this complaint and requesting that this company removes this debt from my credit report from all 3 bureas .. transunion XXXX equifax and experian. Thank you for your time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation