BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the XXXX, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer XXXX exercise the right to opt out at any time. '' I am declining your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection agency mark on my credit for an unpaid medical copayment. The medical payment should have been sent to my health  insurance and billed to me or notified me or collected payment at time of services rendered for copay as shown on my insurance card. My health insurance is XXXX XXXX XXXX XXXX ID : XXXX. 

This is in relation to an emergency room visit that took place in XXXX. 

For clarification, this company did not contact me - I noticed it on my credit report while checking 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 2023-01-13
Company: Paramount Recovery Systems, L.P.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
paramount recovery systems are doing the same thing they are reporting a debt but dont even have it in there office when i call them they tell me its not in there office that i need to call the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have contacted all XXXX credit bureaus challenging the accurate and factual reporting of XXXX XXXX multiple times ... ... .each time the account has come back verified... how is this possible when there are so many inconsistencies in the reporting between the XXXX bureaus ... .. they should all be reporting the same thing if this is verifiable and they're not ... XXXXthey did not conduct a proper investigation ... ..all of the information is on the attached copy of my credit report with all of the inconsistencies in the reporting circled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Act XXXX XXXX, XXXX REF : XXXX : XXXX have 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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative 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 explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-11-10
Company: EQUIFAX, 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:
THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX US BKPT CT TX XXXX : XXXX XXXX XXXX : XXXX U.S. BANKRUPTCY COURT : XXXX PLEASE HELP ME REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DON'T REMEMBER ANY ALLEGED DEBT WITH PORTFOLIO RECOVERY ASSOCIATES LLC, IT SEEMS PORTFOLIO RECOVERY PRUCHASED A MASS PORTFOLIO FROM XXXX XXXX  AND DID NOT DO THEIR RESEARCH OR VALIDATE THEIR PURCHASE. I STILL DONT SEE HOW IM RESPONSIBLE FOR AN ALLEGED DEBT FROM XX/XX/2017 BY THIER OWN RECORDS OF TRANS DATE. THAT WOULD MEAN THIS ALLEGED DEBT HAS A PAYMENT HISTORY OF AN EARLIER LAST DATE OF PAYMENT. THE STATUE OF LIMITATION ON CREDIT CARD DEBT IN GEORGIA IS 4 YEARS FROM THE DATE OF LAST PAYMENT WHICH WOULD PUT THIS CREDIT CARD AS TIME BARRED AND UNABLE TO SUE, UNCOLLECTIBLE. EVEN THOUGH A DOCUMENT WAS SENT TO A PRIOR COMPLAINT I FILED, I STILL DONOT SEE A PAYMENT HISTORY OR ANYTHNG PROVIDING MY ALLEGED PAYMENT HISTORY OF ALL PAYMENTS MADE AND THE LAST TIME A PAYMENT WAS MADE BEFORE DATE OF CHARGE OFF. ANY ONE CAN PUT A DEBT IN MY NAME AND ATTACH AN ACCOUNT NUMBER. UNDER THE FCRA, FTC, FDCPA A PURCHASED ACCOUNT BY A THIRD PARTY MUST PROVIDE PROOF OF PAYMENT TRANSACTIONS FROM THE BEGINNING OF PAYMENTS AND THE LAST PAYMENT DATE BEFORE DATE OF CHARGE OFF TO TRULY IDENTIFY THE VALIDITY OF DEBT AND THE TRUE BALANCE OF AN ACCOUNT. IF PORTFOLIO RECOVERY CAN NOT PROVIDE PROOF OF MY SIGNATURE AND MY ALLEGED PRIOR PAYMENTS TO XXXX  XXXX  THEN THEY MUST DISCHARGE THIS MATTER BECAUSE THE PROOF HAS NOT BEEN PROVIDED. ALSO PORTFOLIO RECOVERY IS NOT LICENSED IN THE STATE OF GEORGIA TO COLLECT ANY DEBTS. 
BUSINESS SEARCH RESULTS Business Name Control Number Business Type Principal Office Address Registered/ Designated Agent Name Status Portfolio Recovery Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX. Dissolved Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX. Dissolved PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA, XXXX, XXXX XXXX Resigned Admin. Dissolved SMALL BUSINESS SOLUTIONS PORTFOLIO RECOVERY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, GA, XXXX, XXXX XXXX, XXXX XXXX XXXX. Dissolved. 


THIS IS A SCAM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: MO
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 AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S  MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: KY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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 XXXXXX/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 explanation
Consumer complaint received 2021-09-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have asked Chase Bank REPEATEDLY -- twice in person, and at least once over the phone to close checking account number XXXX with routing number XXXX as I NO LONGER NEED IT. 

For whatever reason, they are keeping it open for THEIR convenience, not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
1. Certified letter sent to Transunion on XX/XX/2023, regarding investigation of a 30-day late payment regarding : Account Name : XXXX Account Number : XXXX. 
2. Received results from Transunion that 30-days late was verified, but no proof of the verification/procedure process provided as requested in the dispute letter mailed to Transunion. 
3. Two other credit bureaus ( XXXX XXXX XXXX ) reporting the above account as PAID AS AGREED. 
4. Called Transunion Disputes to obtain proof of verification of the 30-day late and did not receive.

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 2019-04-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX, I sent a fax and Mailed copy, of a request for my credit. For some reason, my credit, and my husbands credit, via Equifax, has been frozen sometime between XX/XX/XXXX and XX/XX/XXXX, without a request to do so. I know it was in these dates because We moved from XXXX to XXXX  in XX/XX/XXXX, where our Credit had to be pulled for a new home rental. Then, we bought a car in XX/XX/XXXX. After that, we were locked, and ONLY on Equifax. 
So, in XXXX, I requested my report for XXXX XXXX, and came with no score. Not helpful. XX/XX/XXXX I learned my Credit was still frozen. Upon calling YET AGAIN, they told me I didnt know the answers to where I worked correctly. WOW.  So I had to fax my ID and Social AGAIN> It said 3-5 days to be fixed. It is XX/XX/XXXX and still not fixed, so yet another Fax has been sent. We are trying to buy a car and a home, and Equifax has us stuck! THIS IS VERY UNFAIR! THEY SHOULD NOT BE ALLOWED SUCH FREEDOM, AND THEY SHOULD HIRE AMERICANS TO HANDLE OUR PERSONAL INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX collection account XXXX collection account XXXX XXXX collection account XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX  XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX TX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX charge off account XXXX XXXX XXXX Charged off account XXXX XXXX XXXX charge off account

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 2016-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
About three years ago, in order to help my daughter refinance her car loan, I opened a Certificate of Deposit ( CD ) Account with USAA Federal Savings Bank ( USAA ) routing # XXXX. Since opening the CD there had not been any particular noteworthy events concerning the CD. However, during the past weekend I noted unusual activity for the CD in terms of interest payments. On XXXX XXXX, 2016, I contacted USAA to inquire about interest payments being credited and then simultaneously debited to my CD. Specifically, without written or verbal explanation the crediting and then debiting activity occurred on the dates of XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

When I contacted USAA, I was asked by the USAA representative if I had recently opened any new USAA accounts and had not provided a signature card to which I replied no to both questions. While on the phone, the USAA representative asked me to hold several times while she checked on my account status. After this had gone on for about 25 minutes, it appeared there was not going to be a timely response to my inquiry ; I asked the USAA representative if it might be possible for her to call me back. I noted that I was expecting an important call from the U.S. Department of Veterans Affairs that I could not miss. Both the representative and supervisor seemed indifferent to the fact I was a XXXX Veteran and needed to communicate to the Department of Veterans Affairs that several of my prescriptions needed to be refilled promptly. 

The USAA representative stated that she would not be able to call me back and that I must continue to hold on the phone until she had resolved the issue with my CD account. I then asked to speak with a supervisor and stayed on the line for another 10 minutes waiting until the connection with USAA was lost. Thinking that someone would call me back ( the USAA representative had already asked for my identifying information and thus had access to all my contact phone numbers ), I waited about 30 minutes before calling USAA customer service and asked to speak with a supervisor. I was told by the supervisor, that USAA implemented a policy about three ( 3 ) years ago whereby it does not call customers back to provide information concerning their respective accounts. 

At present, I still do not know why, unlike in the past, I am not being credited with interest to which I am entitled for my CD account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation