BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inaccurate information that is reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX, MI 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 2019-06-20
Company: EQUIFAX, 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 am still being hit with a hard inquiry from XXXX XXXX from XX/XX/2017 on Equifax and XXXX. XXXX had agreed to remove this as this was fraud. I never applied for anything from that and I am unaware why this is still on there. 

I am hoping this hard pull comes off as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hey Im trying to dispute these inquiries off my credit report Ive already contacted the collection agency about the disputes a few months ago and they sent me a letter back saying they cant do it however I need to have them removed because of this law : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2019-06-20
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I received an email stating my Equifax Report decline 14 points. I contacted Equifax and inquire why my report decline. I received one of the representatives from the XXXX, who stated there are several reasons a score would drop and she or no one else will be able to inform me why. 
Today XX/XX/XXXX I pulled my credit report from Equifax and notice my credit score decrease 17 points. I contacted Equifax and got informed again there were several reasons my credit could decrease and no one could tell me the real reason. 
I informed Equifax I have not applied for credit nor had anything new added to my report. Im requesting assistance from CFPB in reference to why my Credit Report Score decrease on XX/XX/XXXX points and XX/XX/XXXX points XXXX. I pay for a Credit Monitoring Service through Equifax as well as a couple other Monitoring Services. I asked the monitoring services why my score decreased for Equifax. They could not inform me but did state, I need to contact CFPB for more information. 
Sir/madam, I have not applied for any credit and nothing been added to my report. Please assist me why Equifax keep lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-22
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: Investigation took more than 30 days

Complaint:
On ( XXXX/XXXX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Previously I submitted a complaint to CFPB in early XXXX. 

In response, HSBC released my statements that HSBC did not allow me to examine when HSBC closed my accounts without warning in XXXX.

At one time, I had around {$200000.00} with the bank. 

The HSBCs response also reads : If you have any questions, please call me ( XXXX XXXX XXXX Customer Relations Manager ) at XXXX. Im available Monday through Friday, XXXX XXXX ET. Alternatively, you can reach me by email at XXXX. 

Despite my repeated calls and emails, to date, Ms. XXXX XXXX XXXX has failed to reply and explain the missing {$1500.00}. 

Releasing my statements nearly two years later has not resolved the problem of the missing {$1500.00}. 

Rather, this can be considered as a grand theft now. 

For nearly two years, HSBC had failed to send me the balance checks after closing my accounts.

HSBC also denied my access to my accounts prior to closing my accounts. 

As I have I indicated to Ms. XXXX XXXX XXXX, the missing {$1500.00} is related to my credit card reward redemptions and the Regulation XXXX claims. 

The ATM machine outside the XXXX, CA branch had serious issues before it was finally replaced. 

Please review the Regulation E claims at that branch, and Ms. XXXX XXXX XXXX will find a surplus ( at least several XXXX dollars, probably around a XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING 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 2023-02-22
Company: CAVALRY INVESTMENTS, LLC
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:
Cavalry Portfolio, a debt buyer, is reporting two items to my credit bureau, lowering my score. The original creditor, who I had history with and on time payments at one point, sold my account. Cavalry then placed this on my credit as a chargeoff, as if I never had any positive payment history. This is false and misleading. They did this for one reason, to get paid! This is infair and unjust! I have worked out an agreement, but this should be removed immediatley. to use my credit bureau against me, like a weapon should be illegal and moving forward prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 been an authorized user on my fianc capital one credit card for the past two years. They have been reporting to only two credit bureaus  XXXX XXXX and XXXX. I called in XXXX to inquire why haven't they been reporting to XXXX  and they blamed XXXX. I called XXXX  and they said it was capital one responsibility. I keep getting the run around with Capital one and with them not reporting to my XXXX  report it shows a big discrepancy between my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached a report with fraudulent unauthorized inquiries

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 2022-05-19
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Discover Credit Card Copy of the letter and today 's conversation. 
Attn : Billing Inquiries XXXX XXXX XXXX XXXX, Az XXXX Notice of disputed charge to Account No. XXXX Dear Billing Inquiries Division : I am writing to dispute a charge of [ {$100.00} ] to my [ credit card ] account. The charge is in error because I called on XX/XX/XXXX and asked for the payoff/total amount owed to make a one-time final payment, I needed to provide the balance information to my bank to obtain a personal loan to pay off my XXXX and Discover cards. The interest for my Discover card is higher and I wanted to pay it off in full. When I called on Saturday XX/XX/XXXX XXXX told me the balance and advised that she will lock the total amount owed until XX/XX/XXXX, the amount owed was {$5900.00}. 

{$5900.00} {$25.00} Rewards -- -- -- -- -- -- -- -- -- -- {$5800.00} Total Balance Owed.

I was able to do my loan on Saturday and received the check on XXXX, I called on XX/XX/XXXX to make the payment over the phone and XXXX hang up my call at XXXX p.m. I had to go online to pay the total amount owed on XX/XX/XXXX. 

I called Discover card today to confirm my payment and Discover Card has changed my amount owed, Discover has no respect and was not honest at the time I talked to the Customer Service Representative, this lady gave me the Total amount owed on Saturday XX/XX/XXXX. XXXX gave me my balance owed of {$5900.00} and advised me that my total balance will be locked until XX/XX/XXXX. Then XXXX hangs up the call. On XX/XX/XXXX I went online to pay the entire balance and find out that the Discover Customer Service person lied about my balance, your company should be responsible for lying and not being honest. I am aware of your bad Customer Service, have no manners or knowledge of any professionalism, your company lies to customers, and for XXXX XXXX dollars you prefer to lose a customer that has been a customer for more than 22 years. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I have taped the conversation, and I will take it to court if necessary, or to the Better Business Bureau or the Treasury Department 's Office. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: PR
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:
I HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS

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 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 filed a few disputes on XXXX, XXXX, and XXXX. I have a FTC ID theft report- and whenever I file the disputes they say the same thing- as " verified by data furnisher '' - but in the description it says " consumer provided vague information. How is a Federal Report vague information? All of the other items on my report were taken care of- and yes there were several ; except for the fact that every hard inquiry except 1 on my report, was not done by me. Also, even the soft inquiries- hundreds of them- still show and affect my score! Before all of this ID Theft, my credit score was at XXXX ; now it is mid XXXX. This has ruined my life and my business! I am a sole proprietor- so the negative impact of all of this has brought my business on the verge of closing! All due to the fact I cant get any financing/credit because of this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon my review of my consumer reports it has come to my attention that XXXX is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft. 
18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( Experian, XXXX, XXXX, XXXX  ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX XXXX servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the 11 accounts that need to be deleted off my credit report immediately XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX 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 explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXXXXXX # XXXX XXXX XXXXXXXX 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 XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 2023-09-13
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:
The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

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 2023-05-05
Company: EQUIFAX, 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Alorica 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Greetings! I am submitting this complaint to seek another answer as to why I am seeing another inaccurate late mark in one of my accounts. I recently received a copy of my credit report, and found that this account ( XXXX XXXX ) was already repaired months ago. And I am 100 % sure that I paid this account on-time since then. So, I feel that the information reported about this account is misleading and incomplete. Therefore, I am requesting that the Credit Bureaus will re-investigate and REPAIR this account again : XXXX : XXXX XXXX Balance : {$49000.00} XXXX : XXXX XXXX Balance : {$49000.00} TRANSUNION : XXXX XXXX Balance : {$49000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief