BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX did an unauthorized credit check on my TransUnion report. This Account XXXX XXXX is unrecognized by me. It's fraud, I don't have no account or did any online credit application. 

This matter needs to be addressed right away.

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 2022-10-20
Company: EQUIFAX, INC.
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: 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. 

XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX 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 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 2019-07-01
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 is missing that should be on the report

Complaint:
I received copies of my credit report from Experian, XXXX, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. Experian, XXXX, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.

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 2019-12-11
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked myself into a XXXX  facility, XXXX XXXX XXXX XXXX, on XX/XX/17. Upon entry, I was told that my insurance would cover my stay but that I would have to pay a copay of $XXXX which I agreed to and paid upfront. I completed XXXX  and left the facility three weeks later. I was never told that I would have to pay for anything else, nor did I ever agree to pay for anything else. I never received anything until the account was sent to the Rash Curtis & Associates collection agency. They then sent me a letter saying that I needed to pay $XXXX in full or that it would be put on my credit report. I tried to contact them and obtain an itemized copy of what the bill was for. They informed me over the phone about a few dates coinciding with the charges and they were for days that I was no longer even in the facility. They also told me that they would send me a copy of the documents they had and that never happened. I reported them to the CFPB before for this same account. The result of that complaint was a removal of the account from my XXXX  and XXXX  reports but it still remains on my XXXX   report. I disputed it again through the online center and they did not remove it as they should have. Instead, they updated it & increased the amount by $XXXX. It currently says that the account is closed but that I owe them $XXXX  and shows my payment status as derogatory. I would like for this account to be deleted from the XXXX  report as well since the charges were never agreed to in the first place and the results of my last complaint prove that to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: OH
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:
Equifax Problem : On XX/XX/XXXX my Equifax score dropped 77 Points. I have had no negative marks for 2 years and my score went up 20 points in XXXX. I am in positive standing with all creditors. There is an old existing charge off from XXXX which they stated caused the drop. But this is old and since experienced a score drop at that time. My credit has been in stellar standing since and steadily increasing to the upper 600s / and now 700s - 733 prior to this drop on Equifax being my highest number. Confused. Clearly upsetting, this has harmed my ability to access competitive rates and or borrowing at all as well as possible effects on gainful employment. I am wanting to get a house later this year. I have been working diligently to pay bills and keep a positive balance of accounts currently at 11 % usage on cards. Equifax offered no further explanation on XX/XX/XXXX. I know my rights and it is illegal to renew a previous derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is NOT a duplicate complaint. This is a NEW  complaint. I provided evidence of my residence from years XXXX-XXXX, as requested by Ms. XXXX. Ms. XXXX  in formed me the matter would be resolved within 24 hrs. As of the date of this complaint Ms. XXXX  refuse to recognize my complaint nor communicate with me regarding this Fraudulent debt. Please contact Ms XXXX  on my behalf. ProCollect is willfully ignoring the evidence I provided as they requested and received.

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 2023-01-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
So I recently rejoined Regions Bank on XX/XX/XXXX. I opened a checking account in the savings account. The issue that I'm encountering with Regents is with their online platform. It will not allow me to use XXXX XXXX XXXX It will not allow me to use XXXX XXXX and it will not allow me to use check deposit services. I'm receiving an error message when I do it online with their online website. I received an error message saying we're unable to complete your request at this time. highlighted in red. And then, when I do it on my mobile app for regions, it gives me the same error message but with the error code XXXX. I have tried calling the regions online. Electronic banking team, no one seems to be able to help me. One agent stated to me that my online credentials may need to be purged. But the call got disconnected, and I'm trying to call back again to get an agent that understands what I'm talking about. No one seems to understand what I'm talking about. But they work in the electronic mobile banking department, which is absurd. I don't understand how you work in that department, and don't know anything about online. So at this point, I'm really frustrated, and I would really like for someone who knows how to deal with the online servers for regions to assist me in regaining access to the bill-pay services. The XXXX XXXX also the mobile check deposit service.

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 2021-04-16
Company: Synovus Bank
State: MD
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:
My XXXX XXXX  Bill showed a balance of {$310.00}, it was paid XX/XX/2021, it is still showing a balance of {$310.00}, this is XX/XX/XXXX credit usage is still at XXXX percent, because my credit limit is {$900.00},, when I spent the {$310.00} it was reported in less then 7 days, but after I paid it almost 2 months,, and have not showed as paid,, this is an unfair treatment,,, it should have reported the same amount of time it had reported when I spent {$310.00} I should have had a balance decrease,, this is unfair practice I believe its not fair,, my scores XXXX XXXX, hindering me from reaching XXXX,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit 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:
Two years ago, I received an advertisement from capital one, that I was pre-approved on a credit card offer, I applied and was denied, I was told to applied on a secure card and build credit, which I done. I was told after a years of good payment my card will be updated to better credit card. 
On XX/XX/2023 I received an offer from capital one. For a better credit card since I already had one for more than a year. I applied Application ID : XXXX. Then I received an email that I was approved but I will need to upload two pieces of information. A state ID and social card or a letter from IRS. Which was done! I was very offset. Not only I have a credit card and, I also have a bank account with the same financial institute. It have been more a month now I still not receive the credit card, I called several time still, still no response. This is violation on my rights as consumers please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a account under an open end consumer credit plan as late for any reason

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 2020-02-19
Company: Improved Data Services LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX I received a voicemail on my work phone from XXXX to contact her at XXXX reference account XXXX. During our conversation, we discussed settlement options and I agreed to touch base with her the following week after doing some research on financing a resolution. During that time I secured funds to enter into a payment arrangement with the company for the debt they were representing XXXX XXXX XXXX XXXX. 

Prior to ending our conversation, I asked that my work not be contacted in the future for my personal matter ; XXXX agreed to update my account contacts to reflect only my personal number. 

Today XX/XX/XXXX at XXXX I received another call on the same work line from XXXX. The automated message redirected me to a man who identified himself as XXXX XXXX. He made introductions and inquired about the status of the agreement. I asked him first to update the contact information again to not be work. His response was to ask me " how embarrassing it would be for [ me ] to be served at work in front of colleagues. '' At that point, the conversation deteriorated and we ended the call. 

In addition to a violation of the FCRA work call prohibition, the man was extremely rude and I think he may have followed insincere threats to sue prohibitions as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Late payments derived on this account were due to XXXX work stoppages and shutdown. Capital One openly advertises a XXXX XXXX payment relief program on its website for ongoing customers. Yet, with regards to my closed account that has had payment settled and the account has been closed for XXXX now, I am being told that the account can not be deleted from my credit report and any late payments will not be deleted even if they occurred and were directly caused by the global XXXX pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX  text received asking if I used my debit card to purchase {$500.00} at XXXX XXXX. Texted back no, then received cell phone call from Citibank, which I now know was a fraudulent call. The fraudulent person represented themself as a Citibank employee and was helping reverse {$500.00} debit purchase. While doing so, I received text messages about XXXX amounts, XXXX in total that came up to {$14000.00}, and the Citibank employee said they could help reverse these by having me XXXX back the funds. When the Citibank employee took me through the process, I saw my name as the person I was sending the funds to, however I later learned it was not to me, it was to the scammer. The fraudulent person also was able to open XXXX additional checking accounts and move {$15000.00} from my savings into the XXXX checking accounts, then apply for a personal loan. All were never authorized by me and all was done under the pretenses that I was talking to a Citibank employee who was helping me recover what I thought was fraudulent XXXX transactions. Now I can see all was fraud and I contacted Citibank the same date as the fraud, XXXX. Citibank is refusing to see this as fraud, and denied all XXXX ( XXXX ) disputes. I believe I am covered under the Electronic Fund Transfer Act, and Regulation EXXXX I was tricked and scammed and Citibank was negligent in alerting me that XXXX checking accounts were opened and savings was moved all without my authorization. And the movement of money through XXXX was under fraudulent pretenses because I believed I was resending the money back to myself.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I tried XXXX XXXX XXXX, but CapitalOne refused to help or show proof of their claims. I included statements and XXXX complaint. I feel like CapitalOne might be doing a scam and might need to be investigated, because someone else might have gotten charged like this and didn't even know! I got charged {$15.00} in bogus interest charges in XXXX and XXXX on something they are calling a promo purchase which I never signed up for or used, and CapitalOne is not willing to show me how they came up and validate these fees they are hitting me with by showing me proof of their claim while I showed with my statements fact that there should have never been any interest charged at all and only thing I ever did was a balance transfer which came with a {$0.00} fee just your regular XXXX but that was paid in full every month there is no interest charge like there rules say and what they charged in this promo charge don't even equal none of my purchases or balance transfers. I called and talked to someone finally on phone and they couldn't even tell me what charges got hit with interest and didn't want to fix this charge or even listen to me just kept telling me I am wrong, and they are right without proof, but I got the statement, and it shows I paid my statements in full every month and one month there was not even a balance carry over and still got hit with interest in XXXX. Like I said they charged me twice in 2 months on different promo purchases that was never made, and the numbers don't even add up on where the charges are! In XXXX which had a zero-balance statement I got charged {$3.00} on {$270.00} promo charge. There are no charges on my account for this {$270.00} there is not even a balance transfer for {$270.00} XXXX transferred {$1600.00} so can't be that, why would I get charged only for {$270.00} when I did over {$1600.00} so once again where are they promo charges. Then in XXXX, I got hit with an interest charge of {$12.00} on {$910.00} for another promo purchase I didn't make and like I said I paid the full XXXX balance off in XXXX so should never got charged and another strange thing XXXX promo in XXXX was a 14.24 % but in XXXX the XXXX for a promo charge the rate is 15.49 %. I just want my money back for these bogus charges and interest I lost to my personal bank while you're holding my money!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion is Violating my Right as a consumer. Under 15 U.S. Code 1681c2 ( a ) ( 1-4 ) and 15 U.S. Code 1681b.

This is my third complaint for TransUnion!

These accounts below are a result of identity theft! One complaint was filed XX/XX/XXXX and the other XX/XX/XXXX. 

XXXX act # : XXXX XXXX Act # : XXXX Ive attached all the original documents from my first two complaints and one where XXXX has blocked and deleted the account. Therefore by law you should do and report the same.

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