BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
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:
XXXX has a hard inquiry on my credit report when I've never been to that location or had my credit inquired ever in my life. I do not have a vehicle with these people nor have I done any business with them the fact the they is any inquiry from them is fradulent and I'm done dealing with them and the Experian team. 

Be weary of car sales people!

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 2019-11-15
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was assessed an overdraft fee on my business account on XX/XX/19. It was an oversight on my part. I am asking for a refund. I have been told that the overdraft can not be refunded.

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 2023-04-03
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a previous complaint regarding advance advance complaint # XXXX. Within this complaint advance America RESPONSE dated XX/XX/2023 stated that I couldnt set up an extended payment plan on a line of credit Until account goes into default. This was inaccurate because I called advance America today XXXX XX/XX/2023 regarding setting up an extended payment plan and supervisor XXXX in collections dept informed me that there was not an extended payment plan offered or extended to me for no explanatory reason although account is NOW in DEFAULT status. Im trying to pay this company back but it seems they are only into the business of wanting to restart or resume account to accumulate more fees to be paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is mishandling information and incorrectly reporting to the 3 bureaus unjustly.

This statement complements my lawful and rightful consumer declaration of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. 

I sent a letter and allowed the company 30 days to reply with no reply : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX USA I wrote them a formal objection of claim ( s ) as reported when reported and a demand for appropriate report modification ( s ) on their part. They are inappropriately reporting incorrectly to the Trans Union XXXX XXXX and damaging my credit and in violation of the FCRA aka the Fair Credit Reporting Act. The acts in nonobservance should be subject to fines and damages. 

I am providing the company but this one last opportunity for suitableness of this account. Previously, I had sent them a letter advising them that they were inaccurately reporting.

Additionally in that request I in fact did assert their necessary requisite ( s ) to ensure only compliant information is retained on my file.

Due to their now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically noncompliant reported in that it implies that my forwarded notice was sadly ignored.

Their reporting deviations are costing me unfair turndowns of credit, and unjustly greater interest rates.

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 2023-08-29
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: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-08
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: 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 XXXX XXXX and I am filing this complaint for false 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 2024-01-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After I filed a complaint with you they continue to report it late, they are still reporting it late, I now have XXXX negative reports for one payment that wasn't 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 explanation
Consumer complaint received 2022-03-08
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 belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account and was told that it would be removed due to it being identity theft as this account does not belong to me and may belong to someone else and or open fraudulently from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached to this complaint and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Old information reappears or never goes away

Complaint:
XXXX XXXX just sold my personal information, they had from a deleted account. They sold my information to XXXX XXXX XXXX. This is the beginning of more harassment and intimidation via constant phone calls from XXXX XXXX XXXX who wants me to tell them my name and info or they will continue intimidation tactics like unlawfully reporting old deleted accounts. XXXXXXXX XXXX has not provided me with a 1099C has requested, nor have them shown a contract between the name XXXX XXXX AND XXXXXXXX XXXX They are essentially selling my name, address, and social security number, and keeping my personal information as a asset for life, continuously selling old accounts to debt buyers, without providing anyone with a 1099c showing the debt was discharged almost 2 yrs prior. I am seeking damages for violations of the Fair Credit Reporting Act, Fair Debt Practices Act, and The Fair Credit Billing Act.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I XXXX XXXX XXXX XXXX filed a complaint through the cfpb Complaint # XXXX Also I filed a complaint on XX/XX/XXXX complaint # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX this account maybe part of identity theft which it is and XXXX XXXX has failed to provide proof of debt that they are reporting to the credit Bureaus Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666. For this account XXXX XXXX is violating my rights as a consumer under XXXX XXXX XXXX XXXX  False and misleading representations. I never opened this account. This a fraudulent account that's damaging my credit worthiness. I've filed a identity theft report because this isn't my account. 

ATTACHMENTS

Company response to consumer: In progress
Consumer complaint received 2023-09-09
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: Credit inquiries on your report that you don't recognize

Complaint:
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 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 2023-09-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Delete all errors on credit report and my scores

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have previously submitted complaints under the fair reporting acts under consumer protection laws showing the inaccuracies on my credit report. I have provided the documentation from XXXX, TransUnion, XXXX that the accounts below do not even have my legal name on them. I have filed an identity theft report and will provide that documentation attached to this complaint. 

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.

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 2021-08-17
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: Their investigation did not fix an error on your report

Complaint:
i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies TRANSUNION, experian and transunion are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX opened on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX 

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 an 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 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 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This company is currently reporting a hard inquiry to my credit file, I have never given the permission to do so. I have never done business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a Secured Credit Card through Regions Bank. The amount of the deposit was {$250.00}. I always asked alot of questions and I made sure to asked if at anytime I wanted to close the account would their be any problems. I was told that I could close the account at any time. A while later I was almost XXXX by my ex. I have several XXXX XXXX, XXXX, and XXXX. After I started healing I went to the bank and asked them to close my account because of what happened. They requested it in writing which I did and thought the card would be closed. It wasnt, I recieved several call and over the phone, I requested the card to be closed and explained all the above. I was told they would close the account. I havent recieved a letter nor a phone call about this matter until it showed up on my credit report today as a Write off. I am requesting all the charges, payments, the date the account was open, and what happened to the letter I gave the Teller requesting my account be closed. And why I am being charged DOUBLE the amount I paid to open the card?

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