BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On today XX/XX/2018 I ordered copies of my credit report and was horrified at the fraudulent accounts that are on there. Capital one which is showing two accounts and a XXXX XXXX showing two accounts for a XXXX XXXX   and a XXXX XXXX. I ordered my XXXX XXXX report like FTC told me to and capital one is on there for a 360 checking account which is not mine and it is negative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: ALLY FINANCIAL INC.
State: AL
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:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit

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 2022-04-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting my childsupport case as a collection acct for the past 4 years ... this is incorrect... I was under a court ordered income deduction from the state of Florida ... childsupport came out automatically ... I have filed several disputes trying to get this corrected, but they keep telling me the acct has been verified as accurate ... AND THAT IS IMPOSSIBLE BECAUSE I WAS UNDER A COURT ORDRED INCOME DEDUCTION.CHILDSUPPORT PAYMENTS CAME OUT EVERY WEEK ON TIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A complaint was filled to Equifax on XX/XX/XXXX in reference to a debt from XXXX XXXX. XXXX XXXX is reporting a debt that is not owed. In accordance with the FCRA Equifax had a duty to properly verify the information being reported by XXXX XXXX. Equifax never responded in the required 30 days. 

Equifax had until XX/XX/XXXX to respond with proof of the information verifying XXXX XXXX XXXX claim. They did not and in accordance with the FCRA this item needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Nationwide Recovery Systems, Ltd
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husbands credit report added a hit from Nationwide Recovery Systems on XXXX XXXX, 2021. The original creditor was from XXXX XXXX XXXX XXXX XXXX. They are a billing agency for physicians through XXXX. We previously settled a debt with them in XXXX so I contacted them. They stated nothing more was owed and had to idea where Nationwide was getting the dates of XXXX and XXXX and subsequent balances of XXXX and XXXX. They stated multiple times we owed nothing and nothing has been given by them to collections. They also told me how to get online and print out a itemized billing which I did stating he owed {$0.00}. This company has massive reviews on XXXX, XXXX  and other sites of scams and taking people 's money and not removing credit dings, etc. These people need to answer to all the anguish they are causing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: In progress
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. 
States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Upon receipt of my Capital One Quicksilver credit card, Capital One , Inc. did not inform me of my right to rescind any transaction under 15 U.S.C. 1635. On XX/XX/XXXX, I mailed an affidavit of truth ( attached ) to Capital One Inc. 's legal department ( certified mail receipt attached ) which requested my due compensation under 15 U.S.C. 1640 ( invoice attached ) for each time this establishment failed to inform me of such an important right. My financial planning has been negatively impacted by Capital One Inc. 's actions.

Moreover, this establishment used my social security number as a credit card number to obtain credit under fraudulent pretenses [ see 12 CFR 1026.2 ( a ) ( 20 ) ]. It has been two months and I have yet to receive any response from Capital One , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I lost my part time job and i now have XXXX and moved in with my father.While i worked i got a loan with Moneykey.After i lost my job i got behind.Then the collection calls started.I got a debt relief lawyer the XXXX law firm to settle the debt.Monkey claims they will not work with this law firm.I talked to the XXXX Law firm and said they have worked with Moneykey before.Moneykey then started phone calls and threats.Can you please help me.Moneykey corporate office is XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX CHARGED ME {$12000.00} in XXXX charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to Amex, XXXX XXXX, XXXX, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have sent a letter to credit reporting agencies such as XXXX, Trans Union, and XXXX to remove unauthorized inquiries from my credit report. They have never responded about my request.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block the accounts that are on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion, XXXX, XXXX and XXXX XXXX Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE EASTERN DISTRICT OF XXXX  of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. Transunion, XXXX, XXXX and XXXX XXXX Is falsely stating on my credit report and have yet to remove this 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2019-08-02
Company: Risecredit, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Rise has contacted me 122 times since XX/XX/2019. It is ridiculous since they get payment from me every two weeks. They harassment has to stop. They need to remove me from the auto dial list immediately. When I reject a number they call back from another trunk number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802.

Opting out of credit card reporting. 

Accounts ending in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 AM A VICTIM OF IDENTITY THEFT, MY CREDIT REPORT CONTAINS INACCURATE INFORMATION. I HAVE ATTACHED THE FOLLOWING DOCUMENTS FOR FURTHER REVIEW.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear XXXX XXXX XXXX ; Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading, and multiple inaccuracies. therefore it's in violation of sections 609 & 611 of FCRA. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FILED : XX/XX/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