BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: TN
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, National Credit Adjust # 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, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX 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 which I have not furnished.

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 2019-09-11
Company: Sequium Asset Solutions, LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated phone calls to my cell phone daily from Sequim Assets in an attempt to collect a debt for XXXX XXXX XXXX. I have advised multiple time not to call during my work hours as I am not able to answer personal calls during this time. I have also advised that I have had some urgent unexpected medical expenses come up and can no longer afford to make payments but will send payments to them as able. Daily calls from numerous numbers keep coming to my cell phone. Even if I have answered and spoken to someone that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Citizens Bank opened a overdraft protection line of credit for my checking account without my authorization, being that they opened the account without my knowledge this caused me to incur negative information on my credit report, I have called several times to try to get the bank to remove the negative information but they haven't done so even though they said they would. I did/ do have a select line of credit with citizens bank which I had with the prior bank before the merger XXXX, when citizens bank took over they took it upon themselves to open a new line of credit for me to act as overdraft without my knowledge or permission which was formerly overdrafted through what is now known as my personal loan. I had also asked them to close my checking account and they haven't done so, I asked for a closing document and they didn't provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2023-02-06
Company: EQUIFAX, 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:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Over the last week, Capital One locked access to my online account and forced me to reset my password three times. Each time I had to call Capital One, wait for a representative, tell them what is going on, receive a one-time text message, write down a temporary password from the representative, and set a new password. 

I asked to speak with their IT department yesterday, and was told that someone has been trying to log in to my account with a wrong password - likely mistaken my username with theirs. The technical support representative told me that because Capital One cared about the security and privacy of my account, they locked out my online access. 

I asked instead of or in addition to locking my account, why wouldn't they be locking out the person ( s ) who has been trying my password from accessing to Capital One 's system? This would surely prevent someone from just putting common usernames and locking other people from access their online accounts, as this basically allows anyone to conduct denial-of-service attacks on Capital One users just by knowing their usernames XXXX or just by using common usernames ). The representative thanked me for providing my feedback, and asked if I have other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm XXXX XXXX, and I value you setting aside some margin to delete a portion of the data in my credit document ; notwithstanding, there are still a few records that require deleting. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I need these items will be deleted immediately. 
XXXX XXXX XX/XX/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 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 2022-11-25
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 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 2023-01-19
Company: Resurgent Capital Services L.P.
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:
I made previous complaints to LVNV Funding LLC to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never sent proof of a signed contract with my signature with them about the alleged debt and I wouldn't be paying it either. They don't have the right or a license to try to collect an alleged debt in the state of Arkansas. Send me proof you have the right and license. According tot he XXXX consumer access website you don't have a license in Arkansas. By continuing to tor report negative information and defaming my character i will seek damages of {$5000.00} in small claims court if not removed from my Consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the accounts from my file. 
XXXX XXXX XXXX : {$120.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX : {$1900.00}

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
Consumer complaint received 2022-09-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My monthly payments are {$75.00} each month and due on the XXXX of every month. I make payments through the Ashley XXXX. However I am always having trouble making payments, as their app never works. They have absolutely 0 days of grace period. If I make the payment the next day I must pay {$120.00} which includes the late fee. I find it extremely unfair, as they should either allow a grace period or fix their app. I understand that as a consumer I am responsible to make payments on time but I do not have the capacity to sit around and keep launching the app until it works. Nothing on their app indicates if there is any other form of payment. I have paid this late fee in the past multiple times and have not complained but I can show proof ( screenrecord ) that I have had multiple issues in the app. I would like to have those fees waived. XX/XX/XXXX as well as XX/XX/XXXX even dating back to XXXX. Although I am aware and signed the contract, the interest they charge is abusive and the fact that they don't have grace periods is ridiculous, all credit cards have some sort of grace. Those people are hard to get a hold of, you call synchrony bank, and they tell you to call the store Ashleys and you're just back and forth to the point where you just give up and don't ever call back. These late fees date back to XXXX where I also sent a chat to them advising that I was having issues on the app and that I could not make a payment. I will never ever do business with synchrony and Ashleys and have a few acquaintences that feel the same. I will at every opportunity discourage anyone from shopping at XXXX  and using synchrony as the creditor.

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 monetary relief
Consumer complaint received 2023-02-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Please Remove These Inquires these are fraudulent 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 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 non-monetary relief
Consumer complaint received 2022-09-14
Company: Resurgent Capital Services L.P.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXXXXXX says I opened an account with them I believe in XX/XX/XXXX or XXXX I have tried disputing this many times on there website XXXX I believe it's called whatever the company that took it over for collections the amount is XXXX XXXX and its the only bad thing on my credit report I have tried many times to have someone hear me out but everytime I try disputing it they just ignore it or don't do anything I know for 100 percent fact I never opened anything through any credit company and I tried to explain I believe my actual birth sister did it because she has done it to other family members and she knows my ss number and all of my info because our ss numbers are exactly the same except our last 2 digits I just need help getting this resolved because if I didn't have this on my credit report I would of been able to do things like purchase a car or a home but this negative thing is stopping me if I did it I would of owned up to and made it right but I didn't and I don't have the money to hire someone to help me dispute it correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CL Holdings LLC
State: CA
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 had an account which XXXX said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed XXXX made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to Jefferson Systems LLC who can not be reached. XXXX would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if Jefferson Systems LLC is a real legitimate company as they can not be reached. 

The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. XXXX needs to be held accountable for the money they steal from clients and small and large businesses alike. 

XXXX even erased my transaction history, to hide their tracks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account with Bank of America ( Acct no. XXXX ) approximately XXXX  years ago. Several years ago I requested the account be closed. 

Never heard from Bank of America again until last week when I received a statement for {$82.00} ( see attached ). I called and was advised my account was past due. I advised the person on the phone that the account had been closed several years ago and I have not charged anything on the account since then. The account representative acknowledged that form what he could see that it had been at least a year since there has been any activity on the account. Apparently, he could not see past that. 

Based on this the account representative agreed to close the account ( which I had already done several years ago ) and to waive the amount due. 

A day later I check my credit score using my bank ( XXXX XXXX XXXX XXXX ) app and it showed my score at XXXX. 

A few days later I applied for a loan and was advised that Bank of America had reported my account as being past due which damaged my score dramatically. I checked my score again with XXXX and it was down to XXXX. Of course this is going to cost me thousands of dollars in interest for me to obtain a new loan since I can not obtain the same interest rate now. 

Apparently, the balance due was from an annual fee. I called Bank of America today and the only history I could obtain was that following showed up on my account history- XXXX XXXX, {$1.00} interest charge adjustment ; XX/XX/XXXX, {$1.00} " " XX/XX/XXXX, {$1.00} " " XX/XX/XXXX, {$1.00} " " XX/XX/XXXX, {$79.00} Annual Fee XX/XX/XXXX, {$79.00} " " Could not obtain what years this was from Bank of America had no right to report to the bureau as this account had been closed and should remove this form my credit history.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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, has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,

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 2022-06-05
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: Account information incorrect

Complaint:
wrong information and wrong address on file and i have had XXXX  XXXX XXXX on my report for too long i had tht account in XXXX and its XXXX experian wont remove it pls help me

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 2023-09-01
Company: Experian Information Solutions Inc.
State: NC
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:
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 reports no consent is fraud.

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