BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account name XXXX XXXX XXXXXXXX Account number XXXX Original creditor 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 2023-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Balance : {$3900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a letter in the mail from  Convergent Outsourcing Inc  stating I owed "   XXXX   XXXX   XXXX   XXXX   XXXX   money from a   XXXX   XXXX   account that is not even mine. They stated the amount that I owed was {$1100.00}, however when I called  XXXX   XXXX  on this with the account they stated the amount owed was {$850.00} and it was opened in  XXXX . It was then sold to a debt collector in  XXXX . Which makes this debt illegal to even collect on according to the fair credit reporting act. They are doing illegal practices trying to collect debt that is not even mine and violating the fair credit reporting act by trying to collect old debt.      Regards,   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-30
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I suspect that I am a victim of identity theft because there are names and addresses that are reporting on my credit report that do not belong to me. I notified the credit bureau 's on XX/XX/2021 but when I checked a new copy of my credit report the names and addresses continue to report despite sending each bureau a copy of my identity theft affidavit. 

I requested the following names to be removed : XXXX XXXX I requested the following addresses to be removed : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My current information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXXXXXX ). ( XXXX XXXXXXXX ). ( XXXX XXXX XXXXXXXX ). ( XXXX  XXXX ). ( XXXX XXXX ). ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX XXXXXXXX ). ( XXXX XXXX ). ( XXXX XXXX ). ( XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: NC
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:
My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative.

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 2019-07-11
Company: CAINE & WEINER COMPANY, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello so we had a used car business in XXXX operating under a LLC. We moved out of state a year ago. We had a floor plan for used car dealers to buy inventory for resell with a company called XXXX ( XXXX XXXX XXXX ). My grandmother who passed away XX/XX/XXXX of this year who co-signed this note, and I signed. We had a issue with one car left on our floor plan. They have plastered this information all over our PERSONAL credit reports. XXXX removed the item several months ago, and just yesterday it was reinserted on my credit report ( s ) I have already mailed documentation to the three major CRA 's but XXXX  and XXXX do not want to remove the item. I am pretty much at my whit 's end with this. I have since obtained my license in the State of XXXX, and I am trying to get my business back up and running after over a year. The collection agency is Caine and Weiner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
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: Their investigation did not fix an error on your report

Complaint:
I uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian, XXXX  or XXXX  doesn't have any files to verify this account, nor will they delete it.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 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 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 2021-06-15
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021. I applied for an apartment at XXXX XXXX. I was charged for {$420.00} total and advised it was refundable. {$120.00} is application fees and {$300.00} was admission fee by verbal, I was over charged for the fees base on their website, app {$100.00} and XXXX {$200.00} They gave my desired unit away and gave me something I dont like and I asked for refund on XX/XX/2021. The listing agent XXXX said its non refundable once the application is approved. I asked to withdraw the application if I cant get the unit that I want and I was not advised with the refund policy, I felt I got scam because they refused to show me other units and told me theres no unit left. They push me the sign the lease for 16 months in order to get my {$420.00} back. I told them I will dispute it with the bank. Then my bank gave me a temporary credit on XX/XX/XXXX and it reversed on XX/XX/2021 because the merchant made fake documents and sent to the bank to get the back. I asked to see the documents and The merchant had never showed me the documents in person or by mail including return policy and somehow all documents was electronic signed and I know I did not sign anything since the day XXXX applied. I put in my application because I was told its refundable. Now in XXXX I received a debt collector from XXXX XXXX for {$470.00} meanwhile they already took the money from my account. This is a misconduct business what they did, first took my money and gave my unit away and refused to refund and contacted debt collection saying I owe them money because I dispute it with my bank. My bank already paid the merchant on XX/XX/XXXX. Now Im trying to get the portion money back from the merchant because I was being overcharged for the fees. And my bank cant do much to get the whole amount back since the merchant responded back with fake documents. 
I called the debt collection office today and advised that this debt has already been paid and spoke to agent name XXXX at XXXX XX/XX/2021 he asked me to contact soleste XXXX . Im going to send the email to the property manager XXXX to advise him that to remove me from the debt because the money has already taken from the bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello, I have a Bank of America prepaid card provided to me by EDD XXXX. On XX/XX/XXXX at approximately XXXX I received an email to approve transactions for a company Id never heard of, XXXX XXXX the amounts were for {$99.00} and there were about 30 of them totaling to {$3000.00}. In response to the notification asking if these were valid transactions, I of course said no. Even after my response they went into pending status and on XX/XX/XXXX they were approved and posted to my account. 

I have filed a claim with Bank of America and it has been 10 days and I have not received any sort of credit back for those fraudulent transactions. Each time I call for an update they tell me itll take 90 days to see my money and even then they might not. I do not like the way Bank of America has handled my case as it seems negligent on their part. Thank you.

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 2023-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a cash advance fee for a transaction that I didn't approve. I immediately contacted the company ( Capital One ) and spent over an hour on the phone with them. I was told that I was unable to either receive the transaction itself credited back, or the cash advance fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an account with JCPenny, the account was not in collection or bad standing. First based on my credit my credit limit was decreased by JCPenny putting me at the top of my credit with that account. After seeing this I paid the account in full. I recently received a letter from JCPENNY stating they closed my account because of my credit score. Again I had paid the account in full and there were no adverse issues with my account with JCPENNY. I am in the process of paying accounts down and off. This is yet another blemish on my report bringing my score down.

Its very disappointing and discouraging when I am trying my best to correct my credit mistakes and creditors can railroad consumers. When I contacted JCPENNY was told they had the right at anytime to review my account and decrease or close it even if I have paid them on time. I stated its not fair and representative said she didnt make the rules.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 non-monetary relief