BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: FL
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:
You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL. 
Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an
d no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave you any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached.

Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy. 
Fairness, impartiality and a respect for my right to privacy was not extended to me. 
I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached.

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 2023-04-24
Company: EQUIFAX, INC.
State: NY
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:
Hello I have sent out letters trying to dispute a number of inquiries on my credit report that I did not give my consent to and they are unauthorized, completely fraudulent. I have attempted to contact each creditor to get answers and they tell me they will investigate and take care of it. No one ever gives me a direct answer any more just to contact the credit bureaus. I called the credit bureaus a number of times to inform them of my issue and concern and they told me to contact the creditor and i did. I have sent a number of letters to the credit bureau as well and still no response. This is my last hope of getting this situation rectified. I even sent in ftc reports on a 2 different occasions. I sent letters out on XX/XX/ and XX/XX/. I am tired of being a victim of this flawed system This is completely unjust and no one is doing anything about it. I need you guys assistance on the matter please please please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting 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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Capital One account that starts with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a Citibank XXXX XXXX account after receiving a bonus offer through my online banking account which I manage my credit card. The offer promised to pay a {$450.00} bonus if you met specific requirements, including maintaining a {$50000.00} balance and keeping the savings account and credit card open for the 90 days of the promotional period. 

I met all requirements to earn the {$450.00} bonus for this account, however, I never received the bonus. I called the Citibank customer service line on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and was told that I was eligible for the bonus and should have received it. The concern was reported as a dispute claim on XX/XX/XXXX. I was not allowed to contact the " dispute resolution department '' and they never contacted me, even though I was told they would. I was not allowed to escalate this situation, other than to let it be decided by the dispute department, even though I never spoke with anyone from the department. On XX/XX/XXXX, I was sent an alert through my online banking account stating I would not receive the bonus because the offer was not sent directly to me. This is not true. The offer was sent to me as a bonus promotion through my online account, which is how I signed up for the account. I also received a confirmation email on XX/XX/XXXX, congratulating me for being eligible for the bonus after my {$50000.00} deposit had cleared. 

I should have already received this bonus for being a loyal patron of Citibank and meeting all the requirements put forth by this promotion. Instead, I am being met with fraudulent accusations and deceptive offers.

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 monetary relief
Consumer complaint received 2023-12-09
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:
I am writing to officially dispute information within my consumer report, as provided by your agency. Upon reviewing a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent, potentially violating the provisions outlined in 15 USC 6802. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was not provided with an opportunity to opt-out, as required by law. 

Upon reviewing the report, I noted that certain accounts are being reported without my explicit written consent. I want to clarify that my dispute lies not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization. 

Referring to 15 USC 1681b - Permissible Purpose, which mandates consumer written consent for the reporting of personal information, I have not provided such written consent. I kindly request that you provide evidence of my consent to ensure compliance with this legal requirement. Failure to furnish proof of my consent may be interpreted as a violation of my rights under the FCRA. 

I have also filed a report with the Federal Trade Commission ( FTC ), and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may potentially constitute a violation under 18 USC 1028a, resembling a form of identity theft. 
In accordance with 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert my right to a fair and accurate credit reporting process, and I believe the prompt removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records proving that I was provided with the option to opt out of the information being reported in my consumer report. This request is essential to ensure your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with the provisions of the FCRA may result in further legal action.

Thank you for your immediate attention to this matter.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to 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 2023-03-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I applied for credit with BARCLAYS and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a violation of U.S.C 1681m. This is proof of fraudulent activity ( unauthorized use credit card 15 USC 1602p. ) The Card applied for was a BARCLAYS Frontier Airlines Mastercard with a {$50000.00} credit limit and XXXX flyer miles.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: MN
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:
Im begging you please remove this to the 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 2023-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
In XXXX of 2020, my husband and I went to XXXX XXXX in XXXX, CA to purchase a vehicle for my husband so that he could work and also have a safe vehicle to transport our brand new baby. He is self-employed as a painter and needed a truck that could fit his work needs, but also be safe for our daughter. 

I expressed to the owner of the dealership that I knew our credit was less than stellar, but that I had excellent income and we had willing co-signers. They had one vehicle that matched our needs. Through a long day of supposedly checking the all the creditors they commonly used, and making it seem they were working very hard to get us approved, they eventually offered us a very high interest rate loan with my father in law ( who has perfect credit and excellent income ) as the primary and myself ( excellent income, poor credit ) as the co-signer. We felt due to the pressure put on us to accept this loan that this was the absolute only way we would get a vehicle ( which we desperately needed- my husbands current truck could not hold a car seat. ) So we accepted. 

We found out after the fact that the ONLY loan agency she had contacted was Credit Acceptance Corporation and that this womans father was the loan officer. In hindsight, we are realizing that we were taken for a metaphorical ride, because she knew how badly we needed this vehicle. There is no reason with someone as credit worthy as my father in law being the primary on the loan that we should have the exorbitant interest that we have tacked onto this truck. We are paying a new truck payment on a 12 year old truck. We were also told that we HAD to buy gap coverage through them in order to get the loan. We expressed that our plan would be to refinance the loan to get a better interest rate in the future when our credit improved, and despite the owner of the auto dealership knowing we couldnt refinance a truck that was more than ten years old, she said oh thats a good idea. Now we are stuck with a terrible loan we cant refinance. At the end of the day, we did sign the paperwork, but we feel that we were absolutely lied to, taken advantage of and that these loan practices where the auto dealership finances with a lender who is an immediate family member can not be ethical. The amount of money we have paid in interest on this loan sickens me, and we are now in a place, despite making all the very large payments on time, that the truck is worth less than we owe on it. We are frustrated and feel this shouldnt be allowed to happen.

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 2023-12-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am opening a new complaint in response to closed complaint # XXXX since XXXX XXXX has sent me ( 2 ) letters validating my account information. 

In your response to the CFPD complaint you stated A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE Your comment further validates my concerns that the XXXX XXXX ( XXXX ) accounts listed on my credit report do not match the account # s I had with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: MI
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, my rights has been violated. 

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
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:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO XXXX. $ XXXX. This authenticated record must include all tax filings ( including all XXXX 's, XXXX 's, and XXXX 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer 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 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  XXXX XXXX XXXX  / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
have reached out too these companies back in XX/XX/2021, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
This is my 12th 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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