BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-07-04
Company: EQUIFAX, INC.
State: NM
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:
On XX/XX/2023, I was contacted by XXXX at XXXX XXXX ( XXXX XXXX XXXX ) regarding an inquiry I submitted regarding a used vehicle. She offered to submit a pre-qualification for me. I provided her my personal information over the phone. I asked if this would be a hard credit pull and she replied it would not be. 

On XX/XX/2023, I discovered a hard credit pull on my Equifax credit report from XXXX XXXX XXXX in XXXX XXXX TX with the same business address as XXXX XXXX. I called XXXX at XXXX MT and asked for clarification. She emphatically denied the credit report was a hard inquiry. I reiterated that I did not consent to that nor was my consent requested to do so. I was told she would ask her manager and call me back. I sent a text message to her business line with a screenshot of the inquiry and a request to remove it from my report. She declined my request and told me to dispute it instead. 

After using the keyword stop to unsubscribe to the business messages, she proceeded to text message me from a different number to reiterate the refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted disputes to get XXXX XXXX account taken off, I also disputed to get the XXXX XXXX  charge-off removed, and as such the XXXX XXXX charge removed

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 2023-04-06
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Tuesday, XXXX XXXX, 2021, I received a letter in post from US Bank, stating a credit request was denied due to insufficient information. I have not applied for any line of credit from any lender. In concern of Identity Theft or Credit Fraud, I called the number listed in the letter ( XXXX ) to a supposed " Customer Authentication Department ''. An answering services receives the call and prompts the caller to press " 1 '' if you received a letter and didn't apply for a credit card. The answering service runs for 30 to 45mins. then, disconnects. I called and waited several times from XXXX /EST to XXXXEST and never received an actual response. 
The credit request is obviously fraudulent and US Bank is a valid corporation. I believe the letter may be fraudulent, as well. I would like to have this investigated to find its source and intention.

-With Thanks

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 2022-10-17
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Equifax credit bureau must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Account status incorrect

Complaint:
XXXX is illegally reporting inaccurate information about me. They are reporting that I have an account with XXXX XXXXXXXX XXXX that is open and with a past due balance of {$580.00}. This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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 writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: NCB Management Services Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Police report and FTC report has been both filed and submitted NCB, and XXXX XXXX are breaking FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to report debt on my consumer report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Checkr, Inc
State: CA
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: Public record information inaccurate

Complaint:
my name is ( XXXX XXXX ). the false name incorrect name. XXXX XXXX XXXX, XXXX XXXX XXXX speeding tickets are showing up on XXXX background check. XXXX XXXX. XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. these moving /speeding violations are inaccurate please help remove from drivers records DMV XXXX checker background please this person is hurting my chances of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I had money stolen from my account earlier this XXXX, the week of the XXXX, mainly the XXXX ( card was stolen ). It was around {$1100.00} dollars. 
The bank I have is called Comdata  ( XXXX ) and they have brought me in circles since XXXX. 

The first time I called, they told me I was guaranteed my money back. All of a sudden, I called and they told me my XXXX Claim was denied. They said I received an email and I have not. Which means the only way I would have known that information, is if I called. Its unacceptable that thats the way I found out. 

After learning that, I told the lady to resend me an email and it has been maybe XXXX weeks and I still did not receive an email. I called for another time and another lady gave me a case code. This Comdata ( XXXX ) is a very bank shady company. I do not recommend at all!

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 2021-05-13
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received {$150.00} and {$50.00} from two family members through Cash App. I accept the fund and cash app stated that I would receive the fund to my personal account on Tuesday, XX/XX/2021 however I never received the {$200.00}. I called my bank and was told nothing is pending. I need my funds. Also, I called my family members and the funds have been disbursed on their end. I notified Cash app through my app because that is the only means of communication, which is unprofessional. Please assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: TX
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 XXXXXXXX - No documentation of this its false needs to be removed XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  accounts above XXXX violated my rig

hts 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 the consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I contacted the bureaus regarding the alleged authorized user on my accounts and there are none. I have never set up nor had authorized users on my accounts. I spoke with XXXX at Transunion at XXXX XXXX EST.  He confirmed there are no authorized users listed on my account and there is no information in their system that shows there ever was an authorized user. I spoke to XXXX at XXXX at XXXX XXXX EST and I spoke with XXXX at XXXX at XXXX XXXX EST who both also confirmed the same information as XXXX. 

The CFPB did close all complaints where the bureaus intentionally provided this inaccurate information. I believe the bureaus lied to the CFPB to get my complaints closed out so they do not have to resolve my credit report issues. This is causing extreme distress in my personal finances and I need your help. These inaccuracies are adversely affecting my credit report and need to be removed immediately. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

Since the bureaus are intentionally providing false information to the CFPB I do not believe they intend to complete their investigation or provide accurate reporting on my credit. The bureaus are also in violation of the FDCPA Section 807 by providing misleading false reporting. I am reaching back out to you to assist me in resolving this matter asap. 

I am demanding that these items be removed from my credit reports immediately or I will have no choice but to file for litigation due to the unnecessary stress this has caused 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 non-monetary relief
Consumer complaint received 2020-12-21
Company: Credit Corp Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2020 on XXXX eastern Credit Corp Solution 's called my phone which was recorded and asked for X name. The person said on the phone what is the regarding. they explained a personal business matter- are you X - to which was replied i am not giving that information. the company credit corp solution 's then stated can i get your SSN. TO which was replied i am not giving you any information. CORP solution then said well i have XXXX as the last 4. The call then kept going to which they asked for the birthday- which was replied i am not giving you that information. Corp solution then gave out my full birthday. they then said this is for a XXXX credit card. 

So all in all they gave to an identified person on my phone my last 4 of my social- my full birthday, and that it was regarding my XXXX credit card ( which is obviously it is for debt collection. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: OK
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 filed a dispute in XXXX, they did not take the additional charge off off the account reporting history the account was closed in XXXX. It can not be charged off after it's been closed from my understanding and it definitely can't be charged off more than once. Then I filed two separate disputes and XXXX  one of the disputes added 30 additional charge-offs after the account was closed for the same account in the same Credit Reporting Agency which is Experian this has not happened with any other credit reporting agency only Experian

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 2023-11-22
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I. C. SYSTEMS COLLECTIONS DEBT COLLECTION COMPANY IS REPORTING ON MY CONSUMER CREDIT REPORT AS OF XX/XX/23 AS AN OPEN ACCOUNT. WHICH IS INACCURATE I AM ASKING THE FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEN AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THE MASTER BILL OF SALE. AGAIN I HAVENT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL, BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2022-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern : On or around XX/XX/2021, I purchased two tickets to see XXXX XXXX performed at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX, XXXX I used my Capital One XXXX branded credit card to make this purchase. Shortly thereafter I attempted to dispute this charge online because tickets were never issued for the concert. I thought that I might have fallen victim to a fraudulent website that was either a ticket reseller, or a fake company altogether. CapitalOne issued a provisional credit. 

I should also mention that I attempted to complete a written dispute through CapitalOnes system, but the automated fraud-handling questionnaire instructed me to call CapitalOne revolving this dispute. Its my understanding that disputes that are phoned-in do not give consumers the same protection as written disputes ; however CapitalOne guided me to make a dispute over the phone. 

On or around XX/XX/XXXX, Capital One reversed the provisional credit, but never alerted me they had deemed my dispute invalid. I received no notification whatsoever. After an extensive search, I am confident I never received a phone call, an account alert, an email, or physical letter. 

On or around XX/XX/2021, additional travel restrictions were put in place requiring Americans traveling to XXXX to quarantine for an additional 2 days due to the Omicron variant. This effectively cancelled my trip to XXXX. 

I am escalating this dispute, because its my understanding that CapitalOne did not follow all requirements as outlined by the Fair Credit Billing Act. Furthermore, CapitalOnes actions could be considered an UDAAP violation, as they never alerted me as to why my dispute was rejected. 

I am requesting the CFPB compel CapitalOne to issue a charge-back to the merchant ( XXXX XXXX XXXX XXXX and refund the cost of the tickets, which comes to {$130.00}. I would also like an explanation as to why the provisional credit was reversed without any accompanying verbal or written communications to me. Its my understanding that communication is required by law. 

Thanks and regards, XXXX XXXX

Company response to consumer: Closed with explanation