BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
ON XX/XX/2022 in the amount of XXXX  XXXX XXXX XXXX has unlawfully purchased a debt that does not belong to me the consumer, from XXXX XXXX XXXX XXXX, and have reported this transaction to the EXPERIAN REPORTING AGENCY, without my consent nor knowledge I was never contacted on this matter. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by XXXX XXXX XXXX nor have I ever had a contract with them. My personal information has been shared among these companies without my consent.15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to opt out of any and all reporting of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MI
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:
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 RIGHTS TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX {$270.00} DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX UTILITES DATE OPENED XX/XX/XXXX, {$1700.00}, XXXX {$310.00} DATE OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  DATE OPENED XX/XX/XXXX, {$1400.00} ALL MY ACCOUNTS ON MY REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: AR
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  ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section 2. States a consumer reporting agency can not furnish a account without my written instructions which I did not give.

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 2023-10-21
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: Information belongs to someone else

Complaint:
There are items that I have identified as identity theft on my credit report. I did not provide written instruction for any of these items to be reported on my consumer report.

Company response to consumer: In progress
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: DE
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 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 not 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 there for exists. 
I Have Addressed This Situation Multiple Times Of Unverified Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation # 1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation # 2 Also The Law Fcra Section 611 Part ( A ) ( 1 ) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation # 3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On XXXX XXXX 1997, Filed ( D.C. No 95-Cv-01743 ). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS CREDIT BEAURUS ( UNDER CFPB )

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out 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 2023-07-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please help me. I was a victim of an employment scam. I applied for a job on what appeared to have been an XXXX XXXX website ( XXXX XXXX XXXX ). I now know it was a fake site. A few days later I received an email from XXXX XXXX Senior Human Resource Manager who offered a me a remote customer service representative position. He emailed me a job interview like questionnaire for me to fill out. After completing that questionnaire, I was informed by the individual via email that I had I received the position. The following day I received an official job offer letter which include the position, salary and benefits. I was informed by that HR manager a check would be emailed to me prior to my start date. Upon receiving that check via e-mail, I had to deposit and make payments to their vendors for the equipment that were meant to be sent to my house. A week later a check was emailed to me in the amount of {$4900.00}. I deposited the check via my mobile banking app with JPMorgan Chase Bank. A day later the funds were available in my account, so I assumed the check had cleared. As per the HR manager 's request I sent a XXXX payment in the amount of {$1900.00} to XXXX XXXX XXXX ( XXXX ) and two payments totaling {$3000.00} via XXXX to XXXX XXXX. The following day something felt off about the transactions from the day before, so I decided to contact the bank to verify that the check had in fact cleared. I was informed that the check was still pending. After hearing this I realized the check had not cleared when I made the payments the day before. I asked the representative to put a stop payment on both the XXXX ( {$1900.00} ) and XXXX ( {$3000.00} ) payments. She informed me that she was able to stop the XXXX payment. However, was unable to stop the XXXX payment. A few days later JPMorgan Chase emailed me and inform me that the check had been returned due to it being fraudulent. I contacted Chase Bank in regard to what had happened to me. They told me since I authorized the transaction it wasn't considered fraudulent and refuse to open a fraud case and reimburse the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus has kept providing more and more roadblocks to me being able to call in and do business with them. Now, they will not speak with me and will only transfer me to a XXXX. I do not have a call back phone number and XXXX has never answered her phone when I 've called or been transferred to her. 

In addition, a supervisor named XXXX said that she intends on locking down my account so that I ca n't call in and make payments anymore. She said it 's because I filed a CFPB complaint against their company, which I do n't believe retaliatory behavior is lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
This complaint against PNC Bank centers on its customer service and the banks total disregard to correct a banking error they mad. I have been paying bills through PNC Bill Pay for several years now and in mid XXXX I setup a payment to my credit card that was to be sent by XXXX XXXX. Due to the amount of the payment and with out notifying me when I set up the payment PNC mailed a check vice a wire transfer. The payment was received by the credit card company on XXXX XXXX vice the XXXX XXXX. Due to the late payment, I was charged a {$40.00} late fee, {$150.00} in interest and a late remark reported to the credit bureau. 
Since this time, I have filed three formal disputes with PNC and spent numerous hours on the phone talking to PNC Customer Service. Two of the disputes were rejected within ten days and the third was submitted a month again with no response. PNC is taking no responsibility for sending the payment late and is stating the {$190.00} in charges I received were from the credit card company and that only the credit card company can reimburse these charges. 
This in no way was the credit card companies fault, the payment was received late due to poor PNC processes, and they refuse to admit their fault and reimburse my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used " PayPal Holdings , Inc '' services to receive money for a watch that I was selling. I used the " PayPal Friends & Family '' option as it should be more secure for the seller so you don't have to worry about chargebacks. A PayPal user by the name of " XXXX XXXX '' sent me {$5800.00} on XX/XX/2022 for my XXXX watch. I followed up with him and made sure that he got the watch and he confirmed that he did. We went about our way until XX/XX/2022. I received a message from PayPal stating that the buyer requested a refund because it was an 'unauthorized ' transaction and PayPal took {$5800.00} out of my balance as soon as they sent me an email so that I could provide documentation to dispute this chargeback. I also called PayPal about two weeks prior and spoke with two different employees ( all calls they state are recorded so there should be proof ) and both of them said that there is no way a buyer can claim a chargeback using the " Friends & Family '' method as we used for this transaction. PayPal did not adequatly verify that a user using their online financial service ( which should have adequate security to protect both buyer and seller from fraud ) was authorized to make a transaction and it is potentially put me in financial trouble as I could lose {$5800.00} and the buyer never offered to return the watch and PayPal automatically removed the funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kohl 's tried to scam me several times. I had set up for auto-pay for my Kohs Card . On XX/XX/XXXX, I get a notification from XXXX that a negative reporting was done from Kohl 's. I call customer service, and I was informed that my auto-pay was never processed. Kohl 's did not send me a warning letter, or called me, or sent me an email for the late payment prior reporting my account. The person on the phone said that charges were reversed and that credit reporting was going to be reversed. I checked my credit report on XX/XX/XXXX, and no changes were made. I call customer service again and asked why the changes were not made and asked about the auto-pay again. I had done the auto-pay online again. I was informed that the last representative was supposed to mail me a new card and that auto-pay was not processed again. This representative said that he would mail me a new card and auto-pay would be all set for the next bill. I gave the rep. the benefit of the doubt On XX/XX/XXXX, I receive another notification from XXXX of another negative credit reporting from Kohl 's. I called them right away. XXXX, id : XXXX, answered and I explained that auto-pay was not processed again and that Kohl 's did not send me a warning letter, or called me, or sent me an email for the late payment prior reporting my account. She assured me that late charge fee and reverse of negative reporting would be taken care. I asked her that I needed confirmation in writing that was being done. She could not send me an email saying that is against Federal Law and not able to say what Federal Law. I asked to speak with a supervisor, she put me on hold for 30 minutes and then hung up on me. I called again and spoke with XXXX, id : XXXX, for over 45 minutes. He informed me XXXX had not done anything. He tried to reverse the late charges and put a note but he couldn't either send confirmation in writing. He then transferred me to XXXX, id : XXXX, to whom I spoke over 30 minutes, she created a ticket # but could not either provide a writing confirmation either. She said they were not allowed to do that. How come a customer can not get assurance of what is being said? I asked for recording of all the calls and she still saying they were not allowed to do that. Are they allowed to misrepresent and lie to customers? I need all the negative credit reporting be reversed and an apology letter from Kohl 's for the stress caused from their unprofessionalism and their scam. These false negative reporting caused my credit report to go down by over 70 points. I need these points to be reversed to my credit score too. If I did not have the XXXX XXXX, I would not have known. Imagine to how many other customers they have done the same?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
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. U S DEPT OF EDXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2016-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
While reviewing my XXXX Credit Report, I was reviewing credit " record of requests ''. Much to my surprise, Capital One - XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX, has apparently been recording hard inquiries on my credit to the tune of XXXX times since XXXX 2015. When bringing this to the attention of Capital One, one representative disconnected the call after 15 minutes of being on hold. After a second call, I got to a completely different call center where the individual was extremely rude, implied that I was wrong and said that they would n't do anything without the original copy being sent to them from XXXX. This is way too many inquiries, with XXXX of the XXXX happening within the last five months. I have not asked Capital One for information, nor do I want them to continue to inquire on my credit, or receive offers for their credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief