BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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: 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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-16
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$930.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have tried multiple times to get the inaccurate, false and misleading information off of my consumer report. I have requested proof of all reinvestigations and as of XX/XX/2022, I have not received this information that XXXX claims these accounts are verified or any proof of these alleged debts. Pursuant 15 USC 1681c the requirements for having collections accounts, charge-offs and any other adverse action on my consumer report is unlawful and are to be removed. It states accounts placed for collection or charged to profit and loss which ANTEDATE the report by more than 7 years are to be excluded from a consumer report, 15 USC 1681c ( a ) ( 4 ) and any other adverse item of information other than records of convictions of crimes which ANTEDATES the report by more than seven years and to be removed from consumer report, 15 USC 1681c ( a ) ( 5 ) I have attached the letter that was sent to XXXX and I have yet to get any notification. Further XXXX XXXX XXXX updated my file to a cease and desist for this collections account complaint # XXXX, and as of XX/XX/2022, this information has not been removed from my consumer report. 
XXXX has repeatedly ignored all of my letters and demands. Because of the inaccurate, false and misleading information on my consumer report, I have not been able to get a place to live, and unable to extend my credit as this is my federally protected rights.

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 2020-12-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and fradulent accounts that are on my credit reports. It has been over 45 days and I have not received a response from the credit bureaus. At this point I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) clearly states that failure to investigate these items in 30 days gives a reason to immediately remove these items from my credit reports. It has been over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten my info into the hands of the wrong person. 
The accounts I am referring to are : XXXX XXXX XXXX {$0.00}, XXXX {$5700.00}, XXXX XXXX XXXX  {$2300.00}.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items 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 calls 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

NY CHILD SUPPORT ENFC. 
ACCOUNT NUMBER XXXX 15 USC 1681 SECTION 602 A. states I have the right to privacy.

15 USC SECTION 604 A. also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 S-2 ( A ) ( 5 ) SECTION STATES no consumer reporting agency may make any consumer report containing any any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe 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 explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: CO
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:
The credit reporting bureaus are reporting a state tax lien that should have been deleted. They are still reporting a state tax lien on my credit report after several request for them to delete this 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 2016-02-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A Payment for XXXX for XXXX XXXX was denied for insufficient funds from Chase Bank. A DD from SSD was scheduled for XXXX, and payment was made late on XXXX. 
As of today balance of {$390.00} from a {$580.00} DD. Purchases and payments do n't add up. Chase bank is stealing my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter to XXXX and Trans Union regarding account # XXXX comenity bank/vctrssec on XX/XX/2022. They are reporting a late payment on an closed account. According to the FCRA a collection is late by default and therefore can not report a late payment. They just responded with my credit report and did not update this.

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 2022-01-05
Company: United PanAm Financial Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX the XXXX 2021 a company called United Auto credit ( XXXX ) and another company called XXXX XXXX ( XXXX ) acquired my credit report WITHOUT my permission. I did not apply for any loan from them. I tried to call them but received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called the American Express XXXX XXXX XXXX XXXX in XXXX when I saw for the first time the annual fee charge of USD XXXX, which is high compared to the news and changes in XXXX membership ( skymiles ), and it is not giving me the same benefits as in the past. The agent re-directed my call to another client retention representative who told me he still couldn't change my annual fee, but it would be possible after a year of membership, and I should call in XXXX. 
On XX/XX/XXXX, I called the American Express XXXX XXXX XXXX XXXX again, and it was precisely the same re-direction of my call to a client retention representative who mentioned that there was an exact date when this year was going to be completed, XX/XX/XXXX and that I should call again then or after that date. 
I called later on XX/XX/XXXX and spoke in XXXX first with a representative who canceled my card and didn't redirect me to client retention. She didn't mention that by canceling the credit card, I should still pay the annual fee of USD XXXX for only XXXX MONTH of usage. 
I called the same call center in Spanish that same day, XX/XX/XXXX, to say that if they were not going to eliminate my annual fee for my credit card, there was no point for me to cancel the card and that I would keep it one more year. The representative, XXXX, mentioned that he couldn't reinstate it. Therefore I requested a XXXX. 
The XXXX, XXXX, mentioned that he couldn't reinstate the credit card either ( he didn't know why ) and would request the reinstatement to another area, which would take XXXX business days. 
Today, XX/XX/XXXX, I chatted with a representative ( XXXX ) at around XXXX am EST from American Express, and he mentioned he couldn't help me and that I had to call the service center over the phone. 
I called the service center today, XX/XX/XXXX, again at XXXX am EST and talked with another representative called XXXX, who mentioned utterly the opposite to all the other six representatives I have communicated with before ; he said there was no way to reduce the annual fee, and there was no way to reinstate the credit card since internal rules have changes in XX/XX/XXXX. They were not able to reinstate credit cards anymore. I have asked for an internal investigation of my calls in XXXX, the beginning of XXXX, and all the previous calls. XXXX mentioned there was already an investigation, and there was no fault of AMEX. 
I requested to talk with a supervisor, and XXXX mentioned he would look for XXXX, but after a long wait, he said there was no one he could contact and that they would call me again in XXXX hours. 
I have clarified that I do not want any reduced annual fee or anything ; I want to reinstate my AMEX XXXX XXXX credit card, which I have already paid for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Deinde Online Services, LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving harassing phone calls. They have also called my family members threatening legal action regarding some account with integracredit. They are calling from numerous different numbers. Today they called from XXXX and wanted me to call XXXX regarding case XXXX. 

I have never had an account with integra credit and am furious they continue to call me and my elderly mother

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-03-02
Company: Colony Brands, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Yes hello, I recieved credit for furniture & some electronics products from XXXX XXXX/ Swiss Colony credit online. 
I made most of the payments online or over-the-phone for these products, until I was injured on the job and was out of work for 2 + years on work XXXX. 
I missed a couple of payments due to this issue of being unemployed and out of work, but/ and most of the amount due was paid out of the {$860.00} total and only a few payments were missed. 
And XXXX XXXX Swiss Colony Credit has stuck me the consumer for the whole amount of {$860.00} which is Wrong and Not Right, I would like this record stricken/redacked from the/my credit record history of being a charge off. 
Because after making many payments for the products I purchased on credit, they don't have the right to charge me the whole amount!, like I never made a payment at all! 
This is completely wrong and not right. 
I would like this to be taking off, stricken/redacted from the record, because it is NOT CORRECT & hurting my credit at this very desperate time in my/our lives, when really need it ... 

Thank you, I appreciate your time. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/28 I deposited a {$3200.00} treasury check via mobile deposit to my Capital One Checking account. Ive had this account for some time and make regular mobile deposits of my paper pay checks. This check was in my name deposited to my account. I also verified it on treasury.gov. 

A few hours later, Capital One locked my entire balance in both checking and savings. I called capital one and was told I needed to verify my identity and the reason for the check. I sent in all information they requested and was told an investigation would take 60-90 days and I wouldnt have access to my money until it was complete. Also that capital one would be ending banking relations. 

Today, XXXX I called again for an update and was told they check has cleared but I needed to send in a reason for the check as they couldnt verify it. I went on treasury.gov again and the check verified and was marked as paid. Capital one told me I would need proof of that from the treasury ( impossible ) and that I would need to provide that to the investigator before they could complete their investigation. 

I still have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I review my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these reported accounts. It is not acceptable to treat these reporting accounts as unverified information without producing proof. Please reinvestigate the unverifiable accounts listed below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00}

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 2023-04-21
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: 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. 

NY CHILD SUPPORT ENFC. 
ACCOUNT NUMBER XXXX XXXX5 USC 1681 SECTION 602 A. states I have the right to privacy.

15 USC SECTION 604 A. also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 S-2 ( A ) ( 5 ) SECTION STATES no consumer reporting agency may make any consumer report containing any any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation