BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX Account Number XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : 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.

All Rights Reserved

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 2023-09-08
Company: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On today XX/XX/2023 at XXXX XXXX  I placed a call to Radius Global XXXX  at XXXX. I called wanting to settle my debt. The person indicated that they were not a collection agency and they worked for XXXX XXXX and they could not settle. I asked if they were not a collection agency, how did they get my debt? The person could not answer the question

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Viol

ations 15 USC1692 Sharing of Personal Information ( 10 ) 15 USC 1666b ( a ) Timing of Late Payments ( 15 ) 15 USC 1681b2 Right To Privacy ( 12 ) My Consumer Credit report is not fair and equitable, I cited the inaccuracies 15 USC 1681 ( a ) and explained how my report is full of errors and they did not exercise their grave responsibility with fairness. 15 USC 1681b ( 2 ) My right to privacy is constantly being violated by Transunion by reporting inaccurate information, not properly investiga
tion and not responding to correspondence that were sent concerning this matter at hand.

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 2023-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
All and any accounts 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.

15USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to start my statement by saying I am a victim of the Equifax data breach. Back in the early month of XX/XX/2022 I contacted all three credit bureaus for validation of the debt they have inaccurately reported to my credit profile in hopes of having it permanently removed. I have found *several* contradicting information on my report that further prove my suspicion of these accounts being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation/inconsistencies differing across the XXXX credit bureaus. I kindly request these items to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are accounts completely unaccounted for in XXXX or XXXX credit bureau profiles for myself . There are inconsistencies with the accounts close/open status.The payment status showing as 100 % paid on XXXX credit bureau and charged off on the others. It shows accounts not being updated for a year or more on XXXX to a couple bureaus and then updated as recently as last month on the other. This is a clear indication of FCRA being violated and I will not fall victim to this wrongdoing. I was involved in a data breach involving Equifax, and have reported my identity stolen to all the proper authorities. This inaccurate reporting is not in co-ordinance with the Fair Credit Reporting Act and the record keeping is not only embarrassing but my personal life is being affected because of it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since 2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. 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 2023-09-25
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account ending in XXXX was closed as a result of having a negative balance in the amount of $ XXXX. Pen Fed then electronically transferred the negative balance to my savings account. I called customer service and spoke to a manager by the name of XXXX on XX/XX/23 to ask if they had written consent per the Electronic Funds Transfer Act to transfer to do this. XXXX stated that I signed the signature card and it will be mailed to me. Pen Fed has yet to send me the requested information that bears my signature that I agreed to the electronic transfer of negative funds being placed in my other accounts. The only paperwork that I received was is attached. Pursuant to 15 USC 1693c, disclosures shall be presented at the time of opening the account and shall include the consumer 's right to stop payment of a preauthorized eft and the procedure to stop payment order. This disclosure was never provided to me during the initial opening of this account. Section 205.10 ( b ) of Regulation E, 12 C.F.R. 205.10 ( b ) provides that preauthorized electronic fund transfers from a consumers account may be authorized only by a written, signed, or similarly authenticated by the consumer. The person that obtains the authorization shall provide a copy to the consumer. Also in addition Section 907 ( a ) of the EFTA, 15 USC 1693e ( a ), provides that a preauthorized electronic fund transfer from a consumers account may be authorized by the consumer only in writing, and a copy of such authorization shall be provided to the consumer when made. 

If Pen Fed has proof that I agreed to such transactions, I ask that they please provide this to me as I have requested. If this information can not be provided I am demanding the amount of $ XXXX be removed from my savings account as this was not the account that incurred the overdraft.

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 2023-06-26
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:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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: OPTUM BANK, INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XXXX card was lost/stolen. Someone found it and started to withdraw money from my XXXX account. My complaint is that the bank did not take appropriate measures to secure the bank account. The card was used over and over again to withdraw money. My family and I are never sick so I did not actively monitor the activity on the card. I was unaware that cash could even be withdrawn from an XXXX account. I have been reimbursed according to Optum Bank policies and FDIC federal laws. I understand my rights however, the bank should be liable for taking measures to protect money I have placed in their bank in good faith- I feel reasonable measures were not in place. 
1 ) How did the unauthorized user get a pin to withdraw cash from a teller machine?

2 ) There were 182 unauthorized transactions, why didn't the bank have appropriate safeguards in place to protect funds set aside for the specific purpose of healthcare and notify me that there were anomalies in my account like other banks do? 

The FBI is reporting, " causes tens of billions of dollars in losses each year. It can raise health insurance premiums, expose you to unnecessary medical procedures, and increase taxes '', a simple pin or notification that a cash withdrawal took place would have prevented this. 

I was approximately 25 days past the 60 day requirement to notify the bank of unauthorized activity. I have lost over {$17000.00} in XXXX funds and was reimbursed for about {$20000.00}. Optum Bank should put into place basic security for XXXX account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called my credit card company because I was having a life-changing event. I talk to XXXX on XX/XX/2023 at XXXX p.m. I made a payment of {$100.00} on my account I have the confirmation number. Then I end up talking to XXXX and she said that they will put me on a special program that goes through the three building cycles it was a forbearance program. But I kept getting email saying I was behind on my account. So I kept calling back and end up talking to a various people XXXX I talked to. And on XX/XX/2023 I talked to XXXX at XXXX XXXX. and he went over the program and I talked to XXXX on XX/XX/2023 and he didn't understand the program at all. So I end up talking to a supervisor named XXXX at XXXX p.m. she said they had sent a letter out to me which I never received. And she explained the program to me she said they had three different programs. But at the end of the program that she explained I still had to make the minimum payment. And I told her I was having a life-changing event and I couldn't make my whole payment per month. And she went over to explain it again but I still had to make the minimum payment, so how is this helping me. As a consumer and you provide a program that help people that's not the truth. So she explained the special XXXX program to me. And at the end she kept saying I have to make the minimum payment, if I make the minimum payment then why do I need to be on a special program. I don't understand if you have these programs out there to help people then why don't you tell the truth about it .my other credit card companies helped me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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: Old information reappears or never goes away

Complaint:
Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since XX/XX/2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. 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 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one closed my secured credit card account with a credit line of {$2800.00} in error on XX/XX/XXXX. I spoke to an agent named XXXX on XX/XX/XXXX, and at that time she was very vague about the situation. She kept me on hold for over 30 mins. When she finally returned to let me know why the account was restricted at that time, she was very vague. She said that I needed to call back the next morning, and speak with another department regarding this issue. I asked her what department should I speak with the next day, and she advised that she was not able to give me that information and to just callback. When I called the following morning, I spoke with a supervisor named XXXX. XXXX advised that my secured credit card account was closed along with several other secured credit card accounts due a system error. She advised that my card would be unrestricted within 5-7 days while they research this system glitch, and I would receive a call and a mailed letter regarding this issue within a couple of days. I called 5 days letter and spoke with another supervisor named XXXX. I advised her that I received an alert about my credit report, stating the account was closed, and my scored was impacted. She apologized for this issue. She said she didnt have a resolution date at this time. She said that they are trying to find out why the system did this to my secured credit card, so that they can either unrestrict the old card, open a new card, and send the security deposit of {$2500.00} that I paid when I opened this secured card in XX/XX/2014. She said they wont be sending back the deposit, or unrestrict the card until they research more. I advised that I had a XXXX balance, and I was planning on using that card for back to school shopping, and to pay some bills. She said they'll see about expediting this matter. It is XX/XX/XXXX, and I still havent received a letter or phone call from Capital one regarding this matter. My card is still restricted. Also, I want to mention that when I opened the account in XX/XX/2014, I was told that it was secured for 12 months of good payments and it would be switched to unsecured and I'd receive my {$2500.00} deposit back. I was never late, it's been open for 4 years, and never received deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account information incorrect

Complaint:
XX/XX/2023 XXXX XXXX Account # XXXX Inaccurate XXXX XXXX XXXX XXXX creditor : XXXX XXXX  ) Account # XXXX Inaccurate -XXXX Account # XXXX Inaccurate -XXXX Account # XXXX Inaccurate -PENNYMAC Account # XXXX Inaccurate XXXX XXXX Account # XXXX Inaccurate -XXXX XXXX Account # XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Inaccurate All accounts and inquiries have inaccuracies. 
The report reference # XXXX. 
Report date XX/XX/2023 All personal information have Inaccuracies.

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX I disputed a inaccurate bankruptcy on my credit file.XXXX I received notice the file is complete and they verified the information is correct. what I ask for Equifax to do was send me the method of verification, and also verify this information from the actual court and send me a copy. they are not able to verify the accurate discharge date or give me the amount of the bankruptcy. receiving information from public records, The court has refused to become a Data Furnisher concerning this public records item, therefore the information is by all definitions is unverifiable, and that you can not verify an item that is reviewed from public records. This item must be deleted. 
XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying this medical bill down monthly, consistently without fail to date of this complaint. It suddenly popped up on my credit reports & states that I owe {$650.00} when I actually owe {$450.00} as of this month, XX/XX/23. I have the recorded receipts. Please help as Ive made consistent gains paying this bill down from {$1400.00} plus dollars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Repeated phone calls from numerous numbers, even spoofing their number with a local area code number so I would answer. Left threatening messages ( I could not download to my XXXX  to save ). Started to call my family members and children and told them if i dont pay the debt, ill be sent to jail. I asked for debt validation and they said i need to setup a payment account first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX 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