BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated me 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 15 U.S.C. section 602A states I have a right to privacy.

15 U.S.C. section 604A Section 2 : It also states s consumer reporting agency can not furnish a account without my written instructions.

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 explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: IL
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:
XXXXXXXX XXXX XX/XX/2023 DELETE HARD INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX credit Card In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose

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 2023-05-23
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this company on XX/XX/XXXX for a written validation letter of debt. I gave the company 30 days to respond. I have not received any updates

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 2023-05-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have contacted the credit bureau about an collection account on my report that shouldn't be there. I asked them to validate it, but they failed to do so and they have not handled this process according to the FCRA in terms of their lack of investigation and untimely response. I am frustrated dealing with this because it should have been resolved by now.

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 2023-04-08
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: 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 right to privacy and confidentiality under 15USC 1681. 

Account name XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX XXXX XXXX Account XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX XXXX  Account number XXXX Status Closed Account name XXXX XXXX XXXX Account XXXX Status Closed Account name XXXX XXXX Account number XXXX Status Closed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instruction 15 U.SC 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 items of information other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency 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 2021-03-12
Company: Experian Information Solutions Inc.
State: WA
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:
I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX XXXX that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX XXXX, was closed. 

XX/XX/XXXX - Asked XXXX XXXX to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 wrote a letter to the company that say I owe two collections. One for {$600.00} the other for {$660.00}. I ask for verification and they will not respond to me how they verified this is my account.

According to 15 usu 1681a2 I did not give them writing permission to have these accounts furnished on my report. These two accounts are 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 an FTC report with fraudulent 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 2023-07-26
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-10-02
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 act XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

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 2023-08-21
Company: Experian Information Solutions 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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-05-23
Company: ACIMA CREDIT, LLC
State: NJ
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 XXXX credit report shows that I have a past due account in collections with a lease to own company called Acima. I have never done business with this company and never opened an account with them. Up until seeing it on my credit report I had never heard of this company. 

I called the company and have reported it as fraud. I filed a report with my local PD that I am going to submit to Acima once the report is available. Acima said they won't do anything without a police report. 

I disputed it with XXXX who stated they reached out to Acima and stated that the account is mine. I asked for proof of the account or any information on the account and nobody will provide anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Step 1 : What is this complaint about?

My Privacy has been violated.

Step 2 : What type of problem are you having?

HIPPA Violation Step 3 : What happened? 

On XX/XX/2021, I received verification of a medical debt from collection agency, Medical Data Systems Inc., which included my private medical records detailing services I received as a patient. I did not sign a HIPPA release form authorizing XXXX Hospital to release these private health documents to Medical Data Systems Inc. 

Step 4 : What company is this complaint about? 

XXXX Hospital

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the XXXX XXXX now! 

XXXX XXXXXXXX

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 2023-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

-- Company or Organization : COLLECTION Date fraud began : XX/XX/2023 Date that I discovered XXXX Total fraudulent amount {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hi! 

I received an email that I had a hard inquiry on my account, via XXXX XXXX. This morning I woke up to an email saying I had a Capital One credit card on the way ( I never signed up for ). I have XXXX  in touch with Capital One and I am working on cancelling the account that was opened and the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My Repport there are many errors in my credit score that are almost 100 points in less than a month that lowered what it has cost me so much work to upload. there are 100 or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are numerous inquiries listed on my report that I have no knowledge of. This was a result of malpractice of an error.

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 2023-04-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never served nor received any information about debt. Correspondence was sent to and older address I havent lived in over 7 years. Now my employer advised that I am going to have my wage garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
As XXXX XXXX for over 22 years to current, I have managed to maintain good to excellent credit as my XXXX XXXX  requires it. In XXXX  my personal information was exposed in the XXXX breach, following that, within XXXX I have had 4 credit cards maxed out with charges I did not make, all charges were said to have been made online to a gaming company. I disputed the charges explaining, ( logic  ) who in there right mind would spend over {$40.00} in 6 months playing online games, further more I was on XXXX XXXX XXXX in an austere location disconnected from the XXXX XXXX XXXX. None the less the card companies said they investigated and the charges are valid. I refused to pay for charges i did not make and as a result the cards were charged off and sent to collection. These charge off are adversly affecting my credit report and i would like some assistance correcting what is clearly not my doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Barclays card said my credit is good and that I have to send them additional document. The person on call quoted the Patriots Act and I asked why is it not mentioned when requesting for details of the application. I told them if I had known it would take 10 days to get the card then I would have not applied. The reason I applied for the card is to buy gift for someone within a day or two.

I then told them I do not need the card but they should reverse the hard hit on my credit. The Bank said they can not do anything. I spent 45 minutes explaining my predicament but looks like they do not care. 
All this happened on XX/XX/2018. I will never apply for BARCLAY bank 's card. 
This is for financing through the bank for XXXX products.

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 2023-10-22
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Keep receiving phone calls and voicemails that state they are a legal person regarding a legal matter and that it is very very important to contact them or legal action will be taken as a result... This type of behavior is uncalled for especially when I have requested a written contract to show my official signature on it validating any kind of debt to this or any agency trying to attack my credit score and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Bridgecrest Acceptance Corporation
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2023 I reached out to bridgecrest for a certified bill in the amount of {$5700.00} but they provided no bill. I asked him to send me a certified copy of a legal binding contract that we both signed they did not provided it. This is my third attempt to get a bill from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Contacted the bank a few months back about a debit transaction for an unauthorized amount over XXXX for a Jewelry Store. I don't even wear jewelry!!!! The name of the Merchant was XXXX XXXX or something of that sort. I asked that the bank investigate this and return my funs. The bank once again after all the negative press this bank gets for fraud and scams did not resolve the issue. Basically Told me I was the one who authorized this and I did not. I asked what were the determining factors and the rep started to stutter and of course made up a lie that they would send the details of the decision in the mail. At this point I want my money back from this joke of a bank. Ive been a customer since XX/XX/2009 and have over XXXX sitting in that account plus more at another institution. Im going to blast this bank all over the net and make sure people know not to do business with them and that their money is not safe here. The bank closed and reissued the card for fraud. But won't charge back my funds, this is crazy.

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