BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX  Account name : XXXX XXXX  Account numberXXXX Account name : XXXX XXXX  Account number : XXXX XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 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 explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-09-28
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: Reporting company used your report improperly

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  THE FOLLOWING ACCOUNTS ARE REPORTING 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 2023-10-12
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
US Bank Executive, XXXX XXXX, is new on the Advisory Board for of Step Up for Students, and now over XXXX Florida families are blocked from accessing our childrens state educational scholarship funds without utilizing a US Bank issued and controlled card. These funds are provided by the state of Florida and managed by Step Up for Students. 

There are no US Bank branches in the entire State of XXXX instead, parents are being directed make cash withdrawals from XXXX ATMs for our childrens educational reimbursements. 

We are also being coerced into opening up a US Bank accounts. They are claiming that the XXXX XXXX XXXX requires certain documentation to comply with the banks request. I do not want to give US Bank my social security number, or my childs, in order to receive scholarship reimbursements.

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 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 INQUIRY DATE XX/XX/XXXX CAPITAL ONE. INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX CAPITAL ONE. INQUIRY DATE XX/XX/XXXX These are not my inquiries these are not recognized or acclaimed by me. I request they be removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: WELLS FARGO & COMPANY
State: CO
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, WELLS FARGO BANK NA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written author ization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-10-12
Company: CORELOGIC INC
State: TX
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:
XXXX is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. Said company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  , XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX , NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 information incorrect

Complaint:
A portion of the loan was paid off by insurance company yet it continues to show a balance of {$17000.00}. I confirmed this because I checked the payment portal with XXXX and it shows a balance of {$2200.00}. Transunion claims it was investigated and confirmed as being {$17000.00}, which is totally untrue.

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 2023-10-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/23, I tried using the Amex giftcard with {$150.00} balance on XXXX XXXX, but the card could not be used. The card showed a XXXX cent pending transaction as a result. On the same day I tried using it on XXXX for a {$150.00} XXXX XXXX giftcard and got my account placed on hold. This also resulted in a XXXX cent pending transaction. On XX/XX/23 I restored access to the account and on XX/XX/23 tried to use the same card to buy a {$140.00} XXXXXXXX XXXX giftcard and got the account placed on hold again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}, {$6100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
My son discovered a fraudulent activity on his account XX/XX/2019. I am as his father listed as a signer on his account and ultimate responsible for the account. My son contacted the bank immediately and begin their process to start an investigation into the matter. We discovered during the call it was a ATM deposit in the amount of {$5200.00}. The individual ( s ) turned around and withdraw XXXX dollars cash. We thought after a 3 hour encounter with USAA representative the matter was being resolved. On XX/XX/2019 my son called to check to status and the representative stated they were still looking into the the matter. I then called and spoke we a rude lady in the " executive customer service side '', she called my son on three way and verified his account, and then went into the script that he is responsible for the money and he did it or allowed someone to get into his account. My son informed her we are 2 hours away from where it happen and he never helped or did anything to allow someone to have access to his account. At that time I asked, what is the next steps that we can take to dispute the matter as no one has contacted us since the last concern. She said, you can get a police report and then send it in, we may look at it. My son said if you may look at it that would be pointless, she then says since you refuse to make a police report you must be involved. I then said he didn't say he refused to make a police report. He is clearly stating what is the purpose if you all aren't going to look into it. The call was then disconnected. I then called back and spoke with a XXXX he says the notes are on file from my conversation with him. My son filed a police report and he is sending it in. I started looking online for similar incidents and I am finding multiple USAA student accounts are experience the very same thing and USAA is doing nothing about it beside making every person pay for the fraudulent activity. This is serious concerning and may have affected 100 's of individuals, from my hour research I have located 25 people in a 3 month frame that had experienced this. 

Police report filled : City of XXXX, # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX CT XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$16000.00} XXXX XX/XX/2022 XXXX XX/XX/2022

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 2019-06-14
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
About 4 years ago my husband was sent home from his job early after putting in his 2 weeks notice. This was 3.5 weeks before his new job was to start. I called the loan company as we lived in Arizona a right to work state cause we didnt get paid. The loan company asked if I knew when we'd get paid at that time I did not. We missed 2 payments as we went 6 weeks without pay. We made a payment and set up auto pay biweekly. The auto payments monthly were {$200.00} more than my payment. We recently applied for a home loan only to find out the loan company reported the last 2 years and 2 months of payments late. One auto pay we never missed a payment. I have contacted the company and they told me I'm out of luck. I finally read the reviews on the company and found this happens often and in fact they have had several lawsuits around this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Please help me if its charged off all these years stuff still on my credit that should be off my credit stolen identity people stealing your information I cant get things I need for 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 2023-10-13
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital System , Inc. purchased the debt and failed to provide notification and the original signature for the said debt. A verification of the debt along with licensing to collect the debt in the State of Florida was requested. Jefferson Capital System , Inc. failed to verify the account.

Jefferson Capital System , Inc. is also not authorized, and or licensed to collect any debt, in the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
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: Old information reappears or never goes away

Complaint:
Hey CFPB, I have written you guys today to report an outdated inquiry that still reports on my Experian Credit Report today. The information that outdated is from XXXX XXXX/XXXX XXXX XXXX. The Removal Date that is stated on the Experian is XX/XX/XXXX. Today date is XX/XX/XXXX, which means that the inquiry is, in fact, an error. If you need any information or verifying who I am, feel free to call me at ( 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 2023-06-29
Company: Experian Information Solutions Inc.
State: NC
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  account has violated my rights XXXX 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  15 U.S.C 1681 section 2 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 it also states a consumer reporting 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 2021-01-08
Company: Experian Information Solutions Inc.
State: IL
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 submitted a compliant against Experian on XXXX2020 and you guys said that it wasn't submitted directly by me or that I didn't authorized the compliant. I don't know how you guys came up with that information but I completed the complaint my self and fully authorized it. I filed a police and FTC report and disputed the inaccurate information on my credit report, that the credit bureaus are reporting. Especially Experian. Please re-investigate my complaint and this company. 

XXXX ID : 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 2022-09-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have contacted the company on multiple occasions. They told me that the addresses were going to be removed but they still show up. My only name is XXXX XXXX. It should only be one name. My address has always been XXXX XXXX XXXX XXXX, XXXX, FL XXXX. No other address should be on there. I am DEMANDING this information be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: BRite Financial Services, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a car in XXXX through brite financial services ; in XXXX XXXX Michigan, For 4 years the lease was up in XXXX of XXXX. 
When I turned the car in, they reported on my credit that I owed money, which was not true. The car had a device on it which shuts the car off if I was a couple days late, I was in an agreement to pay the note every week, so it was no way possible I was able to drive to turn a car in that I allegedly owed a balance on. However I hired a lawyer because they attempted to sue me for a balance I didnt owe. I showed receipts and my lawyers got the case dismissed. They were suppose to just update the account, but instead they deleted the account, so now it looks like I never had a leased vehicle. I want my credit history placed back on my account correctly, i worked hard to pay that car off for 4 years only for this consonant to rob me of that history, I believe this is retaliation.

Company response to consumer: Closed with explanation