BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
I called XXXX  and equifax to verify who is reporting as Dept of the Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that 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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
XXXX XXXX XXXX XXXX gave information about my account without my consent, to all three credit bureaus, which is against the law-15 U.S.C. 1681 section 602 A states I have a right to privacy ; no written instructions to be put on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
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: 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal 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 non-monetary relief
Consumer complaint received 2022-07-07
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was initially contacted by Avant on Thursday, XX/XX/XXXX. Initial contact was made by their fraud department to verify three charges that were flagged as suspicious. I identified all three charges as fraudulent and not made by me and they responded that they would research them further. Since then the charges have moved from pending XXXX accepted and now my account shows that I owe {$270.00} which was the total for all three fraudulent charges. These charges were all done in even amounts and seem like they were sent to individual people somehow. I called again the following day which was a Friday to confirm that the charges had been removed from the account and they advised me that they were still investigating. After hearing nothing I again called today XX/XX/XXXX to ask what the latest was on this case and was advised that I would have to pay for the charges and if they were found to be fraudulent they would refund my payment. This is unacceptable and as a result, I advise them that I wish to close my account. According to XXXX XXXX liability protection policy I should not be held responsible for unauthorized transactions and in this case, Avant is holding me responsible for transactions that were not made by myself. I did not make these charges on my card and am a victim of fraud and Avant is still making me pay for charges on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: National Credit Systems,Inc.
State: SC
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My car was repossessed it was from usauto sales i tried to work it out with westlake but git attitude and my car gone. Now XXXX going to lose my job because i have no transportation

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 2023-07-26
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Equifax, XXXX and XXXX. It has recently come to my attention that neither XXXX XXXX nor its parent company XXXX XXXX XXXX. is licensed to collect any debts in XXXX XXXX XXXX. XXXX XXXX XXXX was licensed by XXXX Department of Consumer Affairs ( DCA ) from XX/XX/XXXX through XX/XX/XXXX. 
The current status of this debt collectors license is INACTIVE. ( See attachment ) Business whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX  XXXX residents MUST HAVE A DEBT COLLECTORS LICENSE no matter where the agency is located, including outside of New York State. XXXX XXXX  nor its parent company XXXX XXXX XXXX is licensed to collect debts from XXXX XXXX XXXXXXXX residents ( see attachment ) and has no right to try to collect this alleged debt. Nor do they have the right to report attempted collection of this alleged debt to any persons through any mediums.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recently noticed some strange charges on my credit card statement online on XX/XX/XXXX. I immediately contacted Capital One and informed them of these fraudulent charges. They immediately cancelled my card and sent me a new one and removed the charges while they conducted their investigation. 3 days later on XX/XX/XXXX I received an email stating that my claim was denied and that the charges will be re-applied to my account. I contacted them directly and spoke to a Manager in the fraud department and they said that they would reopen my case and file an appeal and have their specialist look further into this matter. I patiently waited the 7-10 business day period for the investigation to be finished. I called back 13 business days later since I did not receive a call or an email in regards to the appeal. When I spoke to another manager in the fraud department they concluded that my card was obviously used and that they would not reverse the charges. 

Here 's the problem with that resolution, I live in XXXX, Florida and those charges were made from 2 restaurants and a parking garage in XXXX XXXX, California. They also were for fancy restaurants that even here in XXXX I would not regularly eat at since they are very expensive. Due to Covid, I have not traveled to anywhere other than a few cities in the state of Florida since XXXX of XXXX. How I am being held responsible for charges at these locations that are over XXXX miles from where I live? This is clearly fraud and Capital One does not want to uphold their 100 % zero fraud liability guidelines that they so proudly advertise. I have never been late on any of my payments since I established the account and even paid off my complete balance at the beginning of this year. All I want is for those 4 charges to be removed from my account, and also not be held responsible for the interest associated with those charges either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : APP XXXX ) XXXX Balance : {$1300.00}

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act The list of Accounts below have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 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. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( 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 2022-04-23
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There are 2 unauthorized purchases on my XXXX credit card ending in XXXX. I can't get perfect details on either since the credit card online portal does not seem to be working ( error message attached ), but older of the two charges is from XXXX around XX/XX/2022 for {$1400.00}, and the later one is from XXXX 's around XX/XX/2022 for {$290.00}. Please help me open up disputes for both unauthorized charges. I have not received any good from either merchant or made these purchases.

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 2021-12-05
Company: DriveTime
State: MD
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 am distressed that you have included DRIVE TIME information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

Companies aren't responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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 2023-11-22
Company: EQUIFAX, INC.
State: FL
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX XXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX  XXXX XXXX Balance : {$130.00} ; XXXX  XXXX XXXX Balance : {$130.00} ; XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NY
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 a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX and XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX/ XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX/ XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX XXXX / XXXX , XXXX XXXX/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.

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 2023-01-21
Company: COMMERCE BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Commerce Bank recently closed a credit card I have had with them for almost a decade without telling me. They did this despite always making regular payments on the card. I am current with this card, yet they closed the account without notice sent to me, and when I log into the online portal for this card, there is no indication whatsoever that this account was closed. They do not provide adequate documentation, notice, or have their website reflect what they do behind the scenes in secrecy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Atlanticus Services Corporation
State: MA
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 submitted a payment via bill pay through my bank on XXXX XXXX XXXX Aspire appiled the payment, but didn't apply it towards the actual payment due, hence doubling my monthly obligation. I don't understand how a bill pay service can not be used to pay your bills through your bank. This was my first time using XXXX XXXX to pay this. I was informed that because I made the payment on the same day that the statement generated, it was counted as an " extra payment '' by their chat team. 

XXXX XXXX I see that your statement is only generated on XXXX of every month. Since the payment was received on the statement date, it will only be considered as an additional payment and will be adjusted towards your account balance. This will not impact your minimum payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation