BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CNG HOLDINGS INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX. 

This account has since been sold to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Dave Operating, LLC
State: MS
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:
There is some sort of DaveXXXX account showing on my credit. I do not know what this is. Further more I did not authorize Dave to place anything on my credit profile. I do have there app but I have never been informed that this company reports to the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a TD Bank " TD Beyond Checking '' account on XX/XX/XXXX and completed direct deposits of over {$2500.00} 30 days later on XX/XX/XXXX. Per the terms, I should have received the {$300.00} bonus by XX/XX/XXXX ( " no later than 140 days from account opening '' ). I had previously held a TD Bank account but it was closed greater than 12 months before. I printed to pdf the terms when I opened the account and have spoken with several customer service representatives since XX/XX/XXXX. TD Bank has opened a case and followed up with the promotions department. At no point has the promotions department reached out to me, even though I have offered to share the printed terms under which I opened the account. The last customer service representative that I spoke with suggested that I go into my local branch ( 150 miles away ). I have called the branch and was told to expect a call back from the branch manager the following day. That was last week and I still have not heard from the branch manager. 

" Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening ... Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bridgecrest refused to provide a paper form of invoice/bill after numerous request by phone requesting this method of debt invoice. Was never given any notice before repossessing my car nor was I provided any information on my options ways to catch up or settle my delinquent balance.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please remove it from 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 explanation
Consumer complaint received 2020-02-13
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:
I contacted XXXX Credit Card fraud department, Transunion and XXXX and informed them That the account for {$1100.00} was Fraud because I never owned a credit card til XXXX of 2019 and they said that they'll look into it. Transunion deleted the Account on XX/XX/2019, However XXXX  never Deleted it, they said that the account was verified. I asked them how'd they verify a fraudulent account? They told me to contact XXXX. Transunion later re-inserted the account on XX/XX/2019 without my knowledge. I didn't get a later from neither the credit bureaus nor the Credit Card Company. I spoke with XXXX and they wanted me to send them my signature and I refused. I then asked them to send me what they have on me such as a signature matching mine and the account that the bill was paid with and they sent me a bill with an address on it that I've never lived at with my name only. I sent them the police report on XX/XX/2019, to attach to my investigation that they never did, and I asked Transunion why'd they re-insert the account and they said that the creditor said that it belonged to me. I also asked XXXX  why they never Delete it and they told me that it was because the Creditor said it was mine. I have my undeniable proof that it's not my account and all they have is their word that says it is mine. 

I also contacted XXXX  about XXXX XXXX XXXX XXXX they've been reporting inaccurate information and re-aging the accounts and every time I point that out to XXXX they just have XXXX XXXX XXXX fix the Errors that I point out to them after I asked them to delete it for inaccurate information. This dispute was entered also in XXXX alone with the Fraudulent account prestige financial which there's a police report attached to that as well

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-03-11
Company: Experian Information Solutions Inc.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : 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 Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I am writing to file a complaint against XXXX XXXX, XXXX, and Transunion. 

I have made several disputes with the credit reporting agency reporting that XXXX XXXX was not accurately reporting information. The balance that XXXX XXXX is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that XXXX XXXX provided. I recently sent a debt validation letter to XXXX XXXX requesting that the lender provides transaction and balance history. Per the documents provided by XXXX XXXX on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has XXXX XXXX provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX to date. 

I am requesting your assistance in putting an end to this matter.

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 2022-12-23
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I am submitting this CFPB complaint to request that you remove the fraudulent accounts I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts from my Credit File at the earliest possible time : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$610.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove the disputed accounts since these accounts resulted due to identity theft. I request of you to please comply with the law and have the disputed items removed soon.

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 2019-08-23
Company: DISCOVER BANK
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a XXXX loan with Discover. I have been faithful in making payments for several years without being late. They had a " glitch '' in their system recently that they were aware about, according to XXXX whom I spoke with today, that resulted in us being switched, without our consent, from paper statements to paperless. We relied upon the paper statements to stay on top of our payments. As a result of their error, we missed a monthly payment and we lost our XXXX XXXX interest rate deduction for timely payments. I contacted the company and spoke to the above person, who said that even though it was their mistake, there was nothing they could do to reinstate our interest rate deduction for timely payments. As a consequence of their glitch, I am paying a higher interest rate on my loan for the foreseeable future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One has violated 15 U.S. Code 6801 - Protection of nonpublic personal information by not protecting against unauthorized access to or use of such records or information which resulted in an inconvenience to to me.

That violates 6801 ( b ) 3 and USC 6801 ( b ) 1 because they didnt insure the security and confidentiality of my records and information ; They also violated 15 USC 6802 by reporting late payments to my credit report that also caused adverse actions which is yet, another violation.

They violated 15 U.S. Code $ 1666d - Treatment of credit balances as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-12-23
Company: EQUIFAX, INC.
State: AR
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 XXXX Account XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account # XXXX EQUIFAX XXXX XXXX XXXX, XXXX : Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX : Account # XXXX XXXX & XXXX  : Account # XXXX XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX & XXXX  : Account # XXXX XXXX & XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX Account XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX : XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX, XXXX : Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX & XXXX : Account # XXXX XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  : Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX TRANSUNION XXXX XXXX XXXX : Account # XXXX XXXX & XXXX : Account # XXXX XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # 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.

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 2023-06-06
Company: Opportunity Financial, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
XX/XX/2023 at XXXX I received an email from opploans stating that they received a request from me {$4000.00} on XX/XX/2023. Now I didnt see this email until Monday morning XX/XX/2023 because I was checking my bank account and see this large amount going to them which I did not do. I dont even have that much money in my account. I tried to log into my account with OppLoans and I couldnt. Which is weird because Ive log in before with no problem. I even have my account saved and password save to my phone. Opploans said they didnt even recognize my email address. I told the lady the billing department whats going on and all she said was I sent you a link for password. So I changed my password and still could not get in my account. It said Due to too many incorrect SSN attempts your account has been locked. Someone hacked my account went in and sent them money to payoff their loan early. Money that I didnt even have. They were on payment plan every 2weeks {$270.00}

Company response to consumer: Closed with explanation