BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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 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 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has sent me these two different documents In response to my CFPB complain # XXXX " in the attached document shows two different companies one I have never heard of until I saw them reporting on my credit. Which means I've never contracted with this company they have nothing with my Pen-indented wet ink signature .... no contract means I owe them nothing they are violating I have disputed this account information as inaccurate ( never lived at the address ), and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}

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 2022-12-03
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 Fair Credit Reporting act XXXX  Account # the companies below has violated my rights, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c1681 section 602 A . States i have the right to privacy.

15 u.s.c1681 section 604 A. 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 2019-11-04
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Credit Management Services, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was wrongfully charged by XXXX XXXX back in XX/XX/, and submitted Disputed Request. They ignored me, and then, forwarded a {$28.00} bill to the Credit Management Services for collection. The case with XXXX XXXX is still in dispute and I have contacted them numerous times to no avail, starting a lawsuit against them. 
I contacted this Collection Agency : Credit Management Services on XXXX XXXX, XXXX. The lady first fooled me into getting personal information. First, she asked for my birth date, which I provided un-suspiciously! Then when she asked what phone number to contact you, I figured it's their tactic to get enough information to be able to ruin my credit with the credit bureaus! When she figured that I am asking not to continue and I won't pay until the dispute is resolved with XXXX XXXX, she simply hung up! 
I am very worried that Credit Management Services having my birth date on their file, then will cause a lot of damages to my personal well-being, finances, and other damages I can think of. 
As a very minimum, I am requesting them to stop, and remove my birth date from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
As a consumer I had both a personal and a business checking account with Bank of America and due to identity theft these accounts were closed down without proper validation. These actions greatly affected me financially. Recently I put them on notice regarding this issue and Bank of America stop reporting negative information to third-party companies. As of today I contacted Bank of America trying to open up accounts with the institution and was denied in violation of my consumer rights. Bank of America is discriminating against me based off my false and in accurate information. The harm that is being done to me is defamation to my character and my financial stability. It is unconstitutional for Bank of America to deny my rights as a consumer without providing just compensation for their dishonor.

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 2022-07-13
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received any calls or mail from this company before over any debt. Today Im served with court papers for a medical bill. It has mine and my spouse name on it. We are confused and want this resolved so that we do not have to go to court.

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 2023-05-17
Company: EQUIFAX, 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:
My complaint is to inform you of the grave violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 that have been committed by XXXX. These violations have caused substantial harm to my privacy and have infringed upon my consumer rights. I am seeking a remedy as prescribed by 15 USC 1681n to address the damages incurred. 

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information It has come to my attention that XXXX has unlawfully shared my personal information from XXXX XXXX XXXX without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805 and the Privacy Act of 1974. This unauthorized sharing of my personal information has resulted in a breach of my privacy, causing distress and concern. I strongly urge XXXX to immediately cease any further sharing of my personal information and take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions In addition to the aforementioned violations, I have discovered that XXXX has improperly disclosed my experiences and transactions from XXXX XXXX XXXX  in XX/XX/XXXX. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I demand that XXXX XXXX XXXX and XXXX take immediate action to rectify this violation and ensures that my experiences and transactions are not further disclosed without lawful justification. Attached below is a screen shot of the violation as well as proof that all three consumer reporting agencies are reporting the same account differently which is an additional violation under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: OH
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:
Upon checking my Equifax credit report I noticed some inquiries on my credit report that are fraudulent according to the ( FCRA ) these items are unauthorized and unverifiable and must be removed from my credit report. 

XXXX XXXX Bank. XX/XX/2022 Capital XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance to the Fair Credit Reporting Act, The XXXX Bank account has violated my rights. they are reporting a balance of {$250.00} on all 3 of my credit reports. As the account was closed/charged off over a year ago, I should not have a balance reporting on my credit 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 non-monetary relief
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I am getting the round around from the customer service department of Capital One. I am an existing customer and I am being treated like a criminal!! I have an account with this company and I am being treated like a number with them. I am trying to activate my card and I am told that it may take up to two weeks. I called the fraud division today two times and I was hung on the first time and I was put on hold for 11 minutes the second time. I opened a new card on XX/XX/XXXX and was told to fax in my utility bill and other private information ( social security and ID ). After a week I called to check on the status of my card. I was told that the fax I was told to send was blurry and they then told me to download the same information from my cell phone and that they would then activate my card. It has been 4 days and my new card is still not activated! When I call to ask why it is not activated I am put on hold for 11-20 minutes and then the customer service rep hangs up on me. This is the worst customer service I have had in years especially since I already have a card account with this company. I have called to verify that I am the consumer but no one will treat me with respect. They are saying that I am a liar and that I am not the person who opened this account when I have faxed and downloaded information through my cell phone! This company is rude and the customer service is terrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: VA
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 Equifax to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 Balance : {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Nationwide Title Clearing, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FLORIDA IS NAMED ON FICTITIOUS PROPERTY ASSIGNMENT OF MORTGAGE FOR FICTITIOUS LOAN SCHEMES AGAINST MY PROPERTY UNDER IDENTITY THEFT SCHEMES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, 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:
I've been pretty consistent with paying my bills on time. I'm saying this becuase I went to XXXX XXXX the other day and applied for an account I got approved with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a could of items that are not mine. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX AND XXXX. There are also some inquries on there that are not mine either XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I am doing all of this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The credit reporting agencies XXXX and Equifax are reporting false information they know the People has unlimited credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This may not be the right option chosen. My complaint is against Equifax for clear racism. I literally have never had any large loans or owed multiple XXXX  of dollars on anything. In the last 3 years i have paid everything off and have managed to get a XXXX on my XXXX and a XXXX on XXXX. Yet even tho i don't owe anything but student loans, and i have never had large debts my credit as a XXXX year old male who has never had large debt is XXXX with Equifax. That is racism and classism at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: NC
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:
Victim of identity fraud need account removed from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never gave anyone my written permission that says in the law. I gave no one permission to put anything on my credit. I do not owe this company. I dont know this company. Ive never had anything to do with this company. my laws have been violated. I know my rights remove this from my credit report. 

1. ) Portfolios Recovery 2. ) XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a Capital One XXXX XXXX card on XX/XX/XXXX with a promised {$300.00} " annual '' travel redeemable through their online travel portal. ( I spend XXXX a month on Capital One cards, with always paying my bills on time. ). I was planning on using that credit now. They told me on the phone, earlier in the year, that the credit expires on the anniversary of my receiving the card, ( and so it seems online too ), so I made a note for myself in my calendar to spend that {$300.00} before my anniversary date. 
On XX/XX/XXXX, for an upcoming trip, I tried to book a trip through the travel dept. to and spend that credit ( before the anniversary date ), and I decided to triple-check with the company that my year had indeed not come to an end. But, after giving me conflicting opinions and spending an hour+ on the phone, they are refusing to honor the credit! Capital One is saying that the " year '' for my credit is determined by when the annual fee generates, which was on XX/XX/XXXX - almost a month PRIOR to anniversary date! 
It seems impossible that an annual credit can be valid for only eleven months. It seems to be totally dishonest and unreasonable for a customer who is pending {$390.00} to hold this card, to be expected to know that the credit expires on a totally separate " anniversary '' date that they were told earlier! I, as an outstanding customer, should not have to spend hours and jump through all these hoops just to receive something they promised. It is now a real matter of principle for mas as they are taking advantage of unsuspecting customers. For shame.

Company response to consumer: Closed with explanation