BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in XXXX Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-08-05
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through transunion and and nothing happened. My XXXX  XXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.

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 2023-05-24
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:
I am writing to assert that I have no ownership or liability for the alleged debt referenced in your recent communication. This letter serves as notice of estoppel, based on the principle of estoppel by silence and your failure to provide sufficient evidence of the debt 's validity. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$750.00} I have received correspondence from your agency claiming that I am responsible for the aforementioned debt. However, I dispute the validity and accuracy of this claim. Despite my requests for supporting documentation and verification of the debt, you have failed to provide any substantial evidence linking me to the alleged debt. 
I HAVE NOT SUPPLIED PROOF UBDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V, GRAVENS ( MO ) 281 sw 715, 719. I PRESSURE THAT NO PROOF OF THEIR ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I HAVE NO OWNERSHIP OF THIS DEPT. I NEED IT TO BE COMPLETELY DELETED. 
The principle of estoppel by silence applies in this case, as your repeated attempts to collect on a debt without providing proper validation or ownership verification has created a reasonable expectation on my part that no such debt exists or that any potential debt is not enforceable against me. 
Therefore, I hereby assert my rights under estoppel and insist that you immediately cease all collection efforts, remove any negative remarks or entries related to this alleged debt from my credit reports, and confirm in writing that no further collection activities will be pursued against me. 
Failure to comply with this notice of estoppel may result in legal action being taken against your agency for violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 
Please consider this matter seriously and respond in writing within 30 days of receiving this letter, acknowledging the application of estoppel and confirming that all collection activities will be halted. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One had an internal payment processing error on my account which has caused me to incur unwarranted late fees and interest charges. 

Here are the details : I received my statement from Capital One on or about XX/XX/2021. I sent payment in full of {$4200.00} a week before it was due. 

I have since received another bill on XX/XX/2021 reflecting late fees and interest charges and a balance of {$4400.00}. 

I immediately called in to confirm you received my payment of {$4200.00}, which was payment in full, and was told by XXXX at Capital One that they had internal problems processing mailed in payments during this time period. Because of this my payment that was due on XX/XX/2021 was not posted until XX/XX/2021. XXXX said she would remove the {$29.00} late fee but said the interest charges of {$89.00} could not be removed. I was then transferred to a supervisor who told me the same thing and that I needed to pay now {$140.00} to close the account and not get more interest charges? 

I attempted to pay the {$140.00} with the supervisor and he then told me he could only take a payment {$120.00} and that he would get back to me regarding more interest charges. So, in effect, I was not given a legal payoff amount and not allowed to pay my bill in full. 

My payment of {$4200.00} was payment in full and was allegedly only 5 days late ( due to Capital One slow processing ) and had somehow incurred {$89.00} in interest in 5 days and now is somehow {$140.00} and growing? 

Captial OnXXXX said they charge interest from the day of the purchase and for XXXX statements after on the average daily balance, even if the balance is paid off you still pay interest. They explained that these details are in the fine print of the credit card agreement. 

What's in you're wallet? The answer is no money if you use Capitol One with their deceptive practices. 

I closed this account and will never do anything with Capital One again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: AR
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:
In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
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:
On XX/XX/XXXX and XX/XX/XXXX CBNA add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is now the 2nd time have found that CapitalOne raised credit limit without approval. Credit card companies should not do this and they know high limits, whether used on not, adversely affect credit ratios and thus scores. With this in mind, one has to  question why they would raise limits without getting authorization first? I am certain they would say as a convenience but I doubt that is the motivation. The bigger question is in what way this practice fuels their greed? 

The second issue is they do not have an easy 'mechanism ' to get it reduced. On the website can request an increase but have to call to have it decreased which means having to go through the queue, then verification process, then I'm guessing a couple agents to get to the right one, then probably some sales pitches ... and all this for something never asked nor authorized. 

The third and unrelated issue is that Capital One still posts a business credit card to my personal credit file. No other business card has ever done this so I request that CapitalOne remove the 'connection ' to my personal credit. We are a very established business and if they refuse then I will simply be cancelling the card. The primary issue is that as a business card, the balance fluctuates quite a bit and this can also adversely affect the credit ratios.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
request for " Description of the procedures of re-investigation '' was received by Transunion on XX/XX/2022 for several accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within XXXX days. I do not give consent to extend this time. in addition my Full Transunion File was requested Not completing both request is a violation of my Federal 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 explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: FL
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:
Notice of Rights Violation under the Fair Credit Reporting Act ( FCRA ) Account XXXX and XXXX I hope this message finds you well. I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Based on the provisions stated in 15 U.S.C 1681eb, 15 U.S.C 1681s, and 15 U.S.C 1681b, I firmly believe that my rights as a consumer have been infringed upon. The FCRA is designed to protect individuals like me from inaccuracies and misconduct related to credit reporting and ensure the fair and accurate reporting of credit information. 

I am deeply concerned about the handling of my personal credit information, and I request that you investigate this matter promptly and thoroughly to rectify any inaccuracies and violations as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: GLA Collection Company, 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:
On XXXX. XXXX, 2017, GLA COLLECTION COMPA add a derogatory XXXX on my credit reports. GLA COLLECTION COMPA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, INC.
State: GA
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:
Equifax has been non-compliant with removing the unverified account XXXXXXXX XXXX XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have never been late in any of my accounts. This negative reporting and it violating my privacy

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 2023-08-05
Company: EQUIFAX, INC.
State: NY
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 was an authorized user on a family members XXXX XXXX XXXX XXXX XXXXredit card account # XXXX opened on my family member removed me from their card, credit card account is closed i filed dispute to have the account removed from my equifax credit report two times and this error isn't fix yet. I am not responsible for this card i was just an authorized user in the past. I am no longer an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Sent validation letter do not recall giving permission to them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and XXXX authorization.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Starting date XX/XX/23 I had loans showing up that never applied for which is hurting my score bad a reached out to XXXX  also XXXX  and had no luck I havent been able to pay my bill nor provide for my family

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 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiries on my account that I didnt authorize and is fraud XX/XX/2020 tried to get them to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
My compliant is against Synchrony/Gap account # XXXX, date open XX/XX/2014, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. 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