BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm urgently contacting you regarding critical discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). It has come to my attention that persistent errors remain in my credit profile, indicating a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations include : Inaccurate financial data furnished by creditors to reporting agencies. 
Merging individuals ' information based on name or social security number similarities by agencies. 
Neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I hold specific rights, including : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information according to prescribed time frames. 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

2. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 



I anticipate prompt action to rectify these violations within the FCRA 's mandated timeframe. Failure to comply will unfortunately leave me no choice but to pursue legal measures to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Weote to this company a few times about them trying to collect a debt that they arent legally able to do so. 
They are not licensed to collect any debt in my state and couldnt provide me with proper licensing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I received a notice that there was a hard inquiry to my credit report by XXXX. I have not applied for any type of credit card or loan through XXXX XXXX. I suspect fraud. I put a fraud security alert on my credit reports but I want to make sure no account is opened in my name. What else can I do??

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this dispute after submitting one on XXXX XXXX. The previous dispute was missing a key piece of information to best defend my reasons in my dispute. Take this dispute as the more updated accurate account.

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair, but they have been negligent in complying with my request.

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and 3 FTC reports related to this dispute are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 following accounts listed have violated my rights : - XXXX XXXX Account # : XXXX -US DEPT ED Account # : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX 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.

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello Transunion is not following the law that Congress have put into place to protect consumers. I see a lot violation on my report some account do not belong to me some are reported incorrectly and severely damaging my credit and causing adverse reaction

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 2023-07-05
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to my 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: OPTUM BANK, INC.
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My former employer offered an Optum Bank Mastercard for health flexible spending AND transportation ( parking, bus, light rail ). The funds loaded to the Mastercard were deducted from my paycheck. My employment was terminated XX/XX/XXXX. At the time of my termination there was approximately {$1600.00} available for transportation expenses. 

Sometime around XX/XX/XXXX I called Optum Bank to find out if the funds could be sent to me via check, minus taxes since it would have been income. I was told it was not possible BUT the funds would remain available for use indefinitely ( until depleted ). I did not have an opportunity to use the Mastercard for parking until XX/XX/XXXX. The card was declined presumably because it was expired. 

On XX/XX/XXXX, I called Optum Bank to ask for a new card. I was told the account was closed upon my termination and the funds were returned to my former employer. I asked for proof that the funds were returned to my former employer and was told by a supervisor XXXX XXXX XXXX " we don't have records going back that far ''. He said I needed to contact my former employer. Contacting my former employer is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/, I just receive credit report and seen inaccuracies on my credit report for XXXX XXXX XXXX a balance of {$7400.00}. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt, and I also stated to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. After the dispute the account came back verify and I do not agree with the results of this dispute. I Also stated they had 30 days to to mail me proof of the investigation and proof of the negative account or deleted the account.

Company response to consumer: In progress
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-12-17
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX in or about the hours of XXXX and XXXX I went to PNC Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and used their ATM to deposit XXXX into my account via atm deposit the atm encountered an error and did not count my funds nor deposit my money into my account PNC will not do anything about this matter. Ive tried reaching out and no resolution of any matter. This bank stole my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
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 XXXX XXXX XXXX. TX XXXX. Phone number is disconnected XXXX has placed a collection on my credit profile and removed it from my profile XXXX times and placed it back again after it has been ran as a charge off. This account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE XXXX Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
They still have not fix my issue.

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : XXXX XXXX XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2019-07-16
Company: Check City Partnership, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Check city took a loan out in XXXX of last year then list my job as a XXXX XXXX started subbing but kept them uniform that I would have to make small payment in XXXX they linger accept small payment sent me to collection and now they are trying to do a judgement loan was XXXX and with payment it XXXX left what can I do I feel if u are trying to pay off they should help u

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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 recently reviewed my credit report and I discovered some inaccurate accounts that are reporting on my credit file. Those derogatory accounts do not belong to me and I have no information about those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2022-04-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I was alerted by XXXX that Truist bank had reported that an installment loan was 30 days past due. I immediately looked into my account which was on autopay since I opened the account in XXXX of XXXX, stated that my balance owed was XXXX and there were no statements for the month of XX/XX/XXXX which reflected the delinquency. Furthermore, I was never given notice before the credit marker was placed that my account was late. I immediately paid the amount that was owed, and could not set up auto-payment. I called on XX/XX/XXXX to get things clarified, however, the representative stated that they would not remove the credit marker. My credit score has dropped by 40 points due to this their bad business practices. I am currently suffering as I am in the process of obtaining a mortgage and this is putting my ability to close on a loan in peril. 

They also stated that they were to update my account information. But they never did per their email sent in early XX/XX/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 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX Vehicle purchased, sales contract signed stating first payment would not be due until XX/XX/XXXX, monthly in the amount of {$580.00} XX/XX/XXXX In balance history states it has not been paid, on payment history a check mark indicates it has I have bank statements that prove a payment was made and withdrawn on XX/XX/XXXX, but Capital one continued to say they had not received Upon calling numerous times, each time we called the operator said that payment had been received and not to worry When our accounts and e-mail correspondence from cap 1 continued to say we were delinquent we verbally requested phone record which were denied due to legal processes Upon a withdrawal of {$580.00} on XX/XX/XXXX ( which was not authorized, an additional payment was taken of {$560.00} on XX/XX/XXXX, which was the amount requested, however XXXX was listed as not receiving any payment ( 30 day late ) When I called to inquire, I was told again no XXXX payment was made, when I told then the co-signer made the other payment denied receiving any payment and told me all I could do was verify my cosigner truly did pay XX/XX/XXXX We were told a XXXX payment was not received ; however the bank withdrew {$560.00} on XX/XX/XXXX. We again went back and forth with customer service with no help, at this point a 30 and 60 days late mark was put on our credit reports XX/XX/XXXX Payment of {$630.00} made on XX/XX/XXXX and annotated as received by capital 1 in our account portal XX/XX/XXXX, payment return despite funds being available and no issues with bank XX/XX/XXXX {$560.00} payment made and marked as received by cap XXXX XXXX XXXX 90 day late mark on credit report despite proof of payment, and almost daily effort to clear up discrepancy XX/XX/XXXX Disputed marks on XX/XX/XXXX for all 3 files Got results back XXXX from XXXX, XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX Dispute proof submitted through dispute, 60 in XXXX remained, 30 in XXXX, and 90 in XXXX Changed to scheduled payments in desperation to keep our credit from being further targeted, payment scheduled for every two weeks to also prevent repossession even though amts were inaccurate on XX/XX/XXXX and XX/XX/XXXX both in the amounts of {$560.00} 60 day late mark onto our credit for XXXX despite proof that payments had been made with no help from lender to clear up on XX/XX/XXXX our account was showing 95 days past due in the amt of {$1700.00} XXXX has XXXX XXXX as paid on XXXX but XXXX does not We contacted a family lawyer to look into the matter, however, due to personal health issues he has not been able to move forward in a timely manner so he advised us to freeze our credit files

Company response to consumer: Closed with explanation