BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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, has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2020-12-14
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cedar Business Services is trying to collect money not owed ( This is a collection account ). My credit report states that this acount was opened on XX/XX/2019. I have previously disputed this item with XXXX  and through your website. They reported back to XXXX  that the account was possible fraud, however did not remove it from my credit bureau and continue to report it on my credit. Cedar Business Services is in violation of credit protection laws. I never once received information from them to even dispute this information with their company during the allowable 30 day period. I am currently disputing the item again with XXXX. My next step is to file a lawsuit to get this information removed and have everyone comply with the credit laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2022, I contacted online XXXX asking for internet service. 
From my conversation with company representative, the best choice for my service, was a discounted service plan for 1 year service. I told to that employee that my house will be soon on the market for sale, and he told me that still on that condition, when I move after selling my house, XXXX will move my service to the new address, they cover the entire USA teritorry, only to accept continuing their service for the entire year. 
I mention that I was their customer for many years, so will not be a problem from my part. 
After 1 or 2 month, I sold the house of 26 years and I and my family relocated from the old address in XXXX XXXX XXXX  to meet our only relatives, our son family. 
I tried to fill up the moving process of internet service with XXXX, but they did not serve my new address, so I contacted other provider with double price for same service. 
After a wile, I was receiving letters from XXXX with a {$240.00} charge without any explanation for what service or reason. 
I mention that I was not able to contact XXXX, only way to contact them is when you ask for a new service contract. 
I receive a letter from a debt collector on behaf of XXXX for a unexplain reason of {$240.00}, I replay to them I don't have any debt to XXXX  explaining all the above and they understood. 
After a while, another debt collector, AFNI INC, with a debt of {$240.00} that I own to XXXX, not specifying the reason. I reject the debt because I paied all my service bills, and if thy charge me as a penalty of moving I told them how XXXX promised me they will move the service not matter where in USA, so I am ready to receive their service to the new address, as our conversation on the beginning of the contract, the only issue that may be with them. 
ANFI INC, send me another letter to pay {$240.00} to XXXX because they verified my account with XXXX and there is written my debt. 
.I do not accept this charge, I did not do anything to pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Best Buy has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-11-25
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all XXXX  credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Everytime I make a payment on my capital one account they hold my payments without notices for almost 10 business days. This is every single payment. I have called capital one on this and they advised me they can do whatever they want. My last payment was on XX/XX/21 and that payment still HASNT posted to my available credit. Capital one deducted this from my external checking on XX/XX/21 and the funds cleared. However even though I have proof they deducted my account over a week ago. They still dont care. This is reflecting my account - {$5.00} however again availability of credit shows {$0.00} this means I cant use the card. Ive called multiple times asking if I can use the card for gas and they dont care. They told me I need to wait until they decide to release my payments. They also told me they can hold my payments anytime they see fit even though they received the funds. So basically capital one takes your money and then holds your money instead of applying it to your card. They never advise you their holding the payment in fact they show it posted. Which is misleading. 

In addition to that capital one shows a fraudulent checking account on my profile I never opened. It says joint and thats a lie. It has an address thats invalid and its negative. I did call about this. Since then I filed bankruptcy because the identity theft the checking account thats fraud was included which was discharged I want this account closed and my liability removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 Portfolio Recovery assoc 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
My identity was stolen I explained to Capital One that I was in and out of hospital and it took me awhile to realize that my XXXX had been hacked which took me longer to realize they got all the credit cards as well they also got my bank I'm by no means rich I have been dealing with this mess for 7 months now the stress and anxiety my body has gone through is not good for my heart I have been still in and out of hospital dealing with this and getting your money back is a joke not to mention you are treated as criminal Capital One strung me along and said if I emailed them medical records they would review these charges because they were past the dates of right offs but knew they were fraudulent charges just like the other ones they wrote off now they expect me to pay for fraudulent charges which I don't have extra money for by any means and they know they are fraudulent and should be taken care of and I don't think that this is fair I really can't afford this I need them to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital alleges I owe them money for a credit card debt. The debt never existed. I have request they provide proof of the debt. The attachment is what they provided me that they claim is proof of the debt. They made up this alleged debt on their computer. I made up the same kind of documents on my computer and sent it to them. Legal proof of a debt as defined by the fair credit act is 1 : Credit card receipt with my name on it 2 : Credit card contract 3 : Phone records where I allegedly activated this credit card. The document the company submitted as proof of debt was fabricated by them. Read their XXXX  complaints and their CFPB complaints. They have tried to scam many people by making up fictions debts. If they can not legally prove ( Which they have yet to do ) this debt then I want their trade line removed from my XXXX  and XXXX  credit report.

Under CFPB guidelines ( as I understand them ) for debt verification a debt collector must provide a receipt with the person name on it or a contract between the original company and the debtor or phone records showing conversations between the debtor and original owner of the debt. Resurgent has not provided any of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update this account : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}

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 2017-08-08
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
we have more than 15 year with this bank and the last week they sent me a letter where say that they going to close my 2 checking accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX Balance : {$3600.00}

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 2021-07-27
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
On XX/XX/2021 my bank ( Navy Federal Credit Union ) sent me letter for the transfer of {$18000.00} to XXXX XXXX XXXX  in XXXX XXXX which i requested. I provided them this account number ( XXXX ) on the check and this address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ) but they omitted the XXXX XXXX. 

The check went and it was endorsed and cashed at XXXX XXXX XXXX  on XX/XX/2021 onto Account Number XXXX. 

XXXX XXXX contacted me again that they have not receive the money. I went back to Navy Federal Credit Union on XXXX XXXX, XXXX to inform them of what has happened. They sent me to go to XXXX XXXX XXXX  to ask about the account used to cash the check if the account belong to Navy Federal Credit Union in XXXX XXXX and i did. XXXX XXXX XXXX  told me that they can not deal with me since the check came from Navy Federal, so they have to open fraud investigation and work with their fraud investigation team. I went back to Navy Federal Credit Union, and they are not willing to do it. They are trying to distance themselves. 

I have also called Navy Federal Credit Union also to investigate the account use if it was for them and transfer the money to close my loan account and they are also refusing to do that. I have provided them a copy of the check and the endorsement and my statement that show the transfer of {$18000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT FILE AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. THE ACCOUNTS THAT I AM DISPUTING MUST ALL BE FRAUD RELATED. I TRY MY BEST TO KEEP THIS TYPE OF THING FROM HAPPENING TO ME BY BEING EXTRA CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS CAUSED A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2021-07-27
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: Account information incorrect

Complaint:
I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX  notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. Equifax and XXXX  have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of Equifax, XXXX  and Credit XXXX  are all flawed and are not setup in a way to be accurate and fair to its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed a collection account to Equifax, the account continues to remain although my information was shared without my permission. My privacy was violated by XXXX XXXX XXXX, this must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Investigation took more than 30 days

Complaint:
XXXX XXXX - XX/XX/2023 n accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX, XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 




XXXX XXXX - In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 



XXXX XXXX XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 


XXXX XXXX  XX/XX/2023 - In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation