BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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.

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 non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian XXXX Department I received documents that XXXX sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature, And why is my wife 's alleged signature is on documents this seems to be made up documents on XXXX documents it states CONTRACT COPY No original contract with my signature nothing

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 2022-06-03
Company: Experian Information Solutions Inc.
State: MA
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've sent over an investigation request letter to XXXX XXXX and Experian via Certified mail with proof of delivery and signature. Signed by XXXX XX/XX/2022, signed by XXXX XX/XX/2022 and signed by Experian XX/XX/2022. I haven't received any letter about a completed investigation or haven't had any deletions based on the inaccurate info regarding the accounts listed in my letters to them. It has been over 30 days so they have violated FCRA and FDCPA laws also by not deleting the accounts reporting inaccurate data. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. They haven't notified me of any results nor was it properly investigated if so, because how would that be possible if " Last Updated '', " Worst Delinquency '', " 2-YEAR PAYMENT HISTORY '', " 30 days late '' section, " 60 days late '' section, " 90 days late '' section, " closed date '', " last activity '', " terms '', " payment status '', " balance '', are all showing inaccuracies. 

Those are MANY inaccuracies and HIGHLY damaging my credit, it has hurt and is hurting my ability to obtain credit. 

I provided my letters to them and then proof of my credit report pulled XX/XX/2022 circling ALL of the errors and inaccuracies on these accounts. I want to make it clear I XXXX XXXX am submitting this myself and not being represented by anyone. 

After multiple FCRA and FDCPA laws being broken I demand these accounts be removed IMMEDIATELY. 

Account Name : XXXX XXXXXXXX Account Number : Ending in XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : 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 2023-08-03
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
On two occasions this year I had fraudulent charges made on my credit cards that I immediately notified my credit card company about but in both cases I was told that a chipped card was used so could not have been fraudulently used so my claim of fraudulent charges were denied. First time was with my Citi Visa card on XXXX at my local XXXX grocery store for over {$600.00} and the second time was at the same XXXX store with my XXXX XXXX on XXXX for almost {$300.00}. In both cases, I had purchased gasoline at this same XXXX store before the fraudulent charges were made ( the same day for my Citi card and one month previously for my XXXX card ). In both cases the credit card company said that because my card 's EMV chip was used and the card was in my possession ( I am certain of that ) then the claim was denied because chips " are unable to be fraudulently used ''. XXXX did not respond when I sent them details of what had happened. Clearly criminals have learned how to fraudulently replicate chipped cards and I really would like to discover how many other people have had this same experience with their credit card companies when they report the fraudulent use of their credit cards that have an XXXX chip and have been denied recompense by the credit card company. These companies are denying the vulnerability of these chipped cards which puts the consumer at a huge disadvantage.

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 2022-08-29
Company: EQUIFAX, INC.
State: NJ
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 have a consumer statement listed on my report that Id like removed and Equifax will not take it off my report at my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
XX/XX/2023 XXXX XXXX  Director, Consumer Financial Protection Bureau Attn : XXXX XXXX Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the repossession of my vehicle, a XXXX XXXX XXXX on XX/XX/XXXX. The circumstances surrounding the repossession have raised significant concerns regarding the handling of my personal information. 

My vehicle was repossessed from an address where I do not currently reside, and this action was carried out by a non-affiliated third party. To my knowledge, I did not receive any communication providing information about or obtaining my consent for the release of my private information to this third party. 

Moreover, I want to draw your attention to the provisions of 15 U.S. Code 6802, which outlines obligations with respect to disclosures of personal information by financial institutions. According to 6802 ( b ), a financial institution must follow specific procedures before disclosing nonpublic personal information to a nonaffiliated third party : Clearly and Conspicuously Disclose : The financial institution must clearly and conspicuously disclose to the consumer, in writing or electronic form, that such information may be disclosed to a third party. 
Provide Opt-Out Opportunity : The consumer must be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to the third party. 
Explanation of Nondisclosure Option : The consumer must be given an explanation of how to exercise the option to prevent the disclosure of their information. 
To the best of my knowledge, Credit Acceptance did not provide me with any written notice offering an opportunity to opt-out of the disclosure of my information. Furthermore, my private information was provided to a non-affiliated third party with whom I have had no prior association or contractual agreement. 

I am deeply concerned about the violation of privacy and the potential mishandling of my personal information. I kindly request a thorough investigation into this matter, an explanation of the circumstances surrounding the release of my information, and immediate steps to rectify any breach of privacy. 

Your prompt attention to this issue is appreciated, and I expect a swift and comprehensive resolution. 

Thank you for your understanding and cooperation.

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 2019-01-08
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/19 I submitted a dispute claim with Experian, due to an {$1100.00} electric bill was run up by someone using my SSN, being found to be a fraud account, and removed by XXXX XXXX and XXXX from my credit report. On XX/XX/19, Experian emailed me that the invesigation was finished, and results were available. Experian states that they have more information about the account, and will not remove it from my report with them, even though the collection agency signed off on it. I find this to be reprehensible that a company gets evidence in my favor, yet will not take the same action as the other agencies. I have had nothing but problems with Experian over the last 5 years, plus they want to charge me money to see my credit score, which to me, is throwing salt in an open wound. I am a veteran trying to clear my credit up to use my VA Loan Guaranty to buy a house, and I get abused by this greedy company. I'm tired of these credit companies having too much power, and XXXX on us veterans by artificially keeping our credit scores low.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed this account information as in accurate with you and you have come back to me and stated you were able to verify this debt. How is that possible under the laws of the FDCPAI have contacted the collection, agent myself and have been able to get them to verify that this is indeed, my debt.

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 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my XXXX and TransUnion credit reports. I immediately called XXXX XXXX to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( XXXX XXXX ) about the fraudulent credit card application. I then called XXXX and TransUnion and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called XXXX XXXX back to inform them of this information, they insisted that they do not provide such letters to people. I called XXXX XXXX back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait XXXX business days for it to be removed. I tried filing three fraudulent disputes with XXXX : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My credit score has dropped significantly due to this fraud. I have been unable to receive any assistance from XXXX XXXX ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if XXXX XXXX reported it promptly to the credit 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have 3 accounts at Bank of America, 1 personal, and 2 businesses. Since the opening of the XXXX XXXX account, I have never received any support not offered products, and didn't get one single credit card. I tried many times to reach the representative but he does not answer back. Business is reaching XXXX in sales this year and is unacceptable for a bank to treat a client like this. I need one representative that can call me and discuss the business and offer products that help small businesses.

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 2023-09-30
Company: LDF Holdings, LLC
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
They tell me ihave to make the almost {$400.00} a month payments. This loan has charged me well over 100 % interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
This company XXXX XXXX XXXX/XXXX  ( SYNCB ) have a hard inquiry on my XXXX  report. 
I tried calling to resolve the problem. 
I spoke with a customer service representative. I informed her this is a mistake, I never applied for a credit card regarding the airline. 

This is a mistake and idenity theft, I then ask her to remove this, she told me no, and to call XXXX  and ask them To remove this..then informed me this is not for a airline company. 

And she has nothing to do with it. They are located in XXXX Florida, XXXX. Phone number is. XXXX. Please help me remove this hard inquiry.

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 2023-05-22
Company: EQUIFAX, INC.
State: VA
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:
Accounts appeared on my consumer report to which I had no knowledge of so I put in a dispute stating that I would like clear verification showing the accounts in question. These accounts appeared in XXXX which was the same timeframe of multiple data breeches from various Companies that exposed my personal information, Hence the fact I put in a dispute regarding the validity of such accounts it was ongoing that the 3 Credit Agency 's would each time fail to give me information that was to be provided. After ongoing disputing of these accounts, it appeared that proper attention was not given to verify them, to which I basically got ignored. These accounts had been removed from my report as again no documents had been available to confirm. I suddenly received alerts regarding a change in my report. I went online to see what had changed suddenly that resulted in my credit score dropping to a level that put my finances at risk. Upon looking into the credit report is stated 5 accounts had been opened XX/XX/XXXX by XXXX XXXX to which I absolutely knew I had not opened any accounts. After digging into this information that was suddenly put on my personal consumer report without any prior knowledge or details, it appears that the same accounts that I disputed in XXXX that never was confirmed to be mine and was removed from my consumer reports had now suddenly been placed back on my report by this XXXX XXXX. I have tried to get this resolved however without success. I have not given anyone permission to share my nonpublic personal information. I now have false information on my consumer reports that appear to other credit companies I deal with, as irresponsible which puts my reputation at risk. I have put forth all my effort in getting this information resolved. I also have a government account that shows late payments, All my payments were made on time, and I have no control over the Payment Center being behind or putting information in the system late, this has been paid in full however reflects false information regarding my payments made. Also it has detailed information regarding my social security number leaving me at risk. Please contact me

Company response to consumer: Closed with non-monetary relief