BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from LVNV Funding LLC in XX/XX/2022. I sent the company a letter via mail, indicating that the debt does not belong to me. The company did not respond to my letter, but rather proceeded to report the account to the credit bureaus which has negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Account information incorrect

Complaint:
My complaint is against BEST BUY/CBNA, account info : BESTBUY CBNA ac # : XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX, date open XXXX, balance {$0.00}. Back in XXXX the mentioned company mark my account with a XXXX late payment for a {$40.00} annual fee which I didnt even know I had to pay and in any case that annual fee was supposed to be paid automatically. I see this as an unfair business practice from the mentioned company and I want the late payment to be removed as soon as possible. I found out about this issue when my mortgage company has on hold a {$300000.00} home loan which they dont want to approve until this account has been corrected. I already gave a {$10000.00} deposit for the property. Im asking in a respectful and reasonable way to please remove that late payment for an annual fee from my reports as soon as possible. In the event that this does not happen I will take legal action on this issue.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX # XXXX - IDENTITY THEFT! 
XXXXXXXX XXXX # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX XXXX # XXXX - IDENTITY THEFT! 
XXXX XXXX # XXXX - IDENTITY THEFT! 
XXXXXXXX XXXX XXXXXXXX # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXXXXXX # XXXX - IDENTITY THEFT! 


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 of 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 2021-11-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: JPMORGAN CHASE & CO.
State: NJ
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:
couple months ago i reported Chase for improperly using my credit. I called and transfered credit line from one credit card to another. while i was doing that i asked if it would hurt my credit. i WAS told no it would no effect my credit. i called on XX/XX/18 and talked to XXXX. later in the month i saw that there was an impact on my credit after this. yes i did apply for a different XXXX  card and also a chase card. the XXXX  card did not report on my credit yet because i have been watching and waiting for it to. i saw a change in my credit report from chase and this must have been from the credit line transfer after i was told it would not effect it. that is when i filed my last complaint and was told that that inquiry was from applying to my new chase card. they then closed the complaint. i am now receiving today another report of a change from chase that is impacting my score. this means i must have been hit 2 times for applying for one card. and if my score was impacted for transferring credit, i was told the wrong information and this should be removed from my credit report. it has cost me time and my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account #, has violated 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 XXXXXXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion 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 of 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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.

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 2023-01-09
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/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
Consumer complaint received 2023-05-03
Company: Capio Partners, LLC
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:
In XXXX 2023, Capio Partners added 2 collection accounts to my report for XXXX and XXXX. I disputed these as Ive never signed an agreement or entered into a contract with this company. I disputed this on the credit bureaus website and they came back and deleted the one for XXXX but said they couldnt verify this was incorrect for the XXXX but I submitted all info to them on both. I dont owe these balances and have repeatedly asked them to remove the final XXXX from the report then this morning on XXXX, they have added both of them back after they removed one and kept the other one with no regard for the fact that it was already removed once. This is a violation of FCRA because they havent provided the required contract I would have signed with them on these debts. Please have these removed from all my credit reports as I dont owe these nor have I ever signed an agreement with these people. Im willing to consult an attorney if needed but am hoping since the CFPB is for the people for proper treatment this will be resolved. My score had dropped XXXX points due to debt I dont owe. I havent made a late payment in over 12 years and this is ridiculous at this point. Please HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: IL
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:
Unauthorized illegal theft altering identity with credit reporting agencies. Violated my rights as a Consumer of my privacy. With out my consent. I gave no written permission instructions for identified transactions on consumer report. I am requesting identified transactions of information be blocked and deleted. This is my request as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report with in ( 4 days ) from the date of the receipt of this Notice. I look forward to your response. 
Thank you, 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Complaint XXXX Has taken more than 60 days therefore accounts it must be deleted. 

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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.

all wrong address must be deleted.

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 2022-10-29
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a XXXX bill on my credit report that does not belong to me I contacted southwest XXXX and told them that this is not my account and they still will not remover it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX investigation has not resolved an issue where my Infiniti Financial Services account continues to show payments past due for XXXX and XX/XX/2023. Infiniti granted a 2 month extension to my loan and shows on the credit report that no payment was due for XXXX and XXXX, but the report continues to show a status of 30 days late for those months. I have sent in the document providing that those two months were waived, however no one has removed the late status in that payment history. All of the other history for those two months aare correct as it shows no payment due and also no payment made. It should be clear that it should not show payment late if no payment was due. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: OH
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX called me from a XXXX area code saying my light will be cut off within XXXX minutes and gave me a XXXX to call XXXX XXXX  so i XXXX  XXXX transaction XXXX for {$300.00} and the other for {$490.00} to XXXX XXXX. It turned out to be a scammed once i contact XXXX XXXX on XX/XX/2021 so then i contact Chase bank explaining to them that i got Scammed and i was Under the impression that i was Paying con XXXX they wrote down all the information that i told Them. They reversed back the funds on XX/XX/2021 back to my account and now all of sudden today XX/XX/2021 they did a claim reversal so now my chase account is overdrawn. I really Need back my full amount of money {$790.00} i dont Have money like that.. please get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have identified certain transactions on my consumer report to be a result of identity theft.

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 2022-10-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have checked my funds daily and immediately prior to purchases by the banks app to ensure funding is available. On the morning of XX/XX/2022, the bank said my " AVAILABLE FUNDS '' were {$50.00}. I made three purchases that day. {$6.00}, {$12.00}, and {$21.00}. The sum of these purchases is {$40.00}, below the AVAILABLE BALANCE of {$50.00}, as documented and shown by my banking digital statement. Even currently, when looking at the bank digital statement, it shows the ONLY actual purchases made that day to be these three transactions. Yet Truist bank charged 3 overdraft fees for {$36.00} for all three transactions. When questioned, they state a recurring charge which was deducted from my account of XX/XX/2022 ( the following day ) caused the account to overdraw. They can not clarify why the statement says that transaction, showing cleared and finalized the following day is causing the penalty to occur THE DAY BEFORE. When I called the representative, and the eventual supervisor, I was rudely and promptly disconnected when I made the correct assertion that this bank had misled me, and then stolen the overdraft fees. The supervisor was rude, and unhelpful.

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