BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: PA
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 am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing. 
First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MD
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:
I recently reviewed my credit report and noticed several unauthorized inquiries. I have tried to dispute these unauthorized inquiries via phone and letter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In about XX/XX/XXXX I applied for a BJs Credit Card  and was granted a Master Card in the amount of {$1500.00}. 

I received a bill in the mail for {$35.00} placed on my MasterCard for the renewal of my BJs membership. At the time when I received the bill, I knew it was an ERROR because I had not ACTIVATED this credit card AND had not AUTHORIZED any purchases. I immediately contacted BJs and explained to them that a {$35.00} charge was placed on my MasterCard that I did not AUTHORIZE. 

I asked if the charges could be removed because I did not make them. The young lady stated she would REMOVE THE CHARGES immediately. That was not done as promised! 

A month later I received a bill from BJs stating I owed the {$35.00} plus a late fee of {$16.00} which totaled my bill to {$51.00}. Again, I got on the phone and contacted XXXX Capital Bank to resolve the issue. Again, I was assured that the {$51.00} would be removed from my account. That was not done as promised! 

I received a letter dated XX/XX/XXXX, stating Ownership of your BJs Perks Plus MasterCard account has been transferred from XXXX XXXX Bank to Capital One, N.A. and is now called a BJs One Mastercard. As part of that transfer, were reaching out about an important change to your account. Capital One gave me a new account number.

I contacted Capital One and explained what happened and asked for the charges to be removed from my account. The young lady at Capital One stated she would contact the three credit bureaus to have the information wiped/removed from my file. That did not happen.

I have been blatantly getting the run around for the longest time and everyone I have spoken with regarding getting this matter resolved- They have FAILED me. 

When I applied for a Home Mortgage Loan my credit score had dropped significantly due to this infraction.

I am totally devastated because this gives LENDERS the impression that I am NOT capable of paying my bills in a timely fashion, which is NOT true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: AMERICAN HONDA FINANCE CORP
State: NC
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:
I am the owner of XXXX XXXX XXXX The business leased a Vehicle Through Honda Financial Services. Honda Financial Services is reporting it to all credit reporting agencies as a personal loan on my personal credit. We lease 3 vehicles every 3 years for company use. These vehicles have never reported on any of the owners personal credit. When purchasing the vehicle I made it clear if it was going to be reported on my personal credit I had no interest in leasing the vehicle. I am attaching the most recent statement showing the account is in the name of the business. The is clearly a violation of federal law in reference to inaccurate entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: IL
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX has wrong personal information that list my addresss being in XXXX Texas. I have never lived there. Known addresss XXXX XXXX XXXX XXXX XXXX tx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Resurgent Capital Services L.P.
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: Was not notified of investigation status or results

Complaint:
I had a XXXX XXXX  in XX/XX/2022. Several months ago I started to look into my credit reports. I saw several inquiries and collection agencies who had items being reported that were the same or duplicate reports. I sent XXXX XXXX mail to XXXX and XXXX regarding these issues. I never received any letters and or status regarding the report.I have also not seen any changes or new notes on these accounts. 

I want to know why my credit information is being shared with multiple unauthorized companies. In none of my credit applications did I agree to share my private personal information with whomever ( personal and or business ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit bureau stated that this account was properly re-investigated. Yet, they refused to provide the full disclosure that I requested per my rights via the Fair Credit Reporting Act. They sent another vague, verified letter, and supervisors refused to disclose the info used in their re-investigation. How was a proper investigation conducted when this random charged-off account now reflects an altered open/active status XXXX 2022? ( confirmed with multiple Transunion special handling supervisors ). TransUnion removed the " Date Closed '' section from the recent verified results letter. I have all proofs. This is grounds for removal as they violated my rights according to : 15 U.S.C 1681 A - definition ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 804 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

No payments were ever made to this creditor in accordance with their reported charge off date. Closed charged-off accounts can not be re-opened. Bureaus and creditors can not use illegal tactics to negatively effect my score twice to intimidate me into validating a random debt with payment. XXXX and XXXX have deleted this erroneous account. Please have Transunion follow through with deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX ID - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Report XX/XX/XXXX XXXX XXXX Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th 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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX  XXXX as of XX/XX/2021 ; XXXX account shows XXXX balance ; Has been reported as delinquent to all XXXX credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. 
Please help!

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 2022-07-06
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I XXXX XXXX federally protected consumer have notified a third party debt collection agency called Ad Astra Recovery Services that they have infringed and are infringing on my right to privacy which is unalieable rights pursuant to UCC9-109. Please read the notice enclosed dated XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX COVER LETTER FOR CAPITAL ONE 's REQUESTED INFO on- RE : CARD NUMBER -- XXXX Virginias SCC case number, NUMBER -- XXXX We are protected under Virginia Law and By the State Corporation Commission , as Insurance Agents and Brokers are licensed with the Authority to have the Fiduciary Responsibility for handling " Their client 's money '' and it looks like this insurance company is deceptive, and therefore we need your help! 

RE : Payment for $ XXXX- Made to XXXX XXXX XXXX ON XX/XX/XXXX, a COMMERCIAL INSURANCE POLICY WAS NOT APPROVED BY UNDERWRITING. 

The insurance company asked for A CANCEL AT INCEPTION LETTER, to protect them from claims. They have NO LEGAL reason to keep any premium for NO INSURANCE POLICY WRITTEN. 

AND This insurance company is being INVESTIGATED BY VIRGINIAS SCC BECAUSE THEY DID NOT OFFER MY COMPANY THE CORRECT POLICY AND THAT IS WHY THEY CANCELLED BOTH POLICIES AND LEFT US UNINSURED. 
WE HAVE MOVED ON TO ANOTHER INSURANCE AND THE INSURANCE POLICY REFUND OF OVER {$2300.00} WAS NEEDED TO SECURE NEW COVERAGE WITH XXXX XXXX!!! 

We are shocked that after notifying us in writing in XX/XX/XXXX that our insurance was not approved by underwriting, that the Insurance company has ignored ( 2 ) Requests by Certified Mail, with no response, including our Attorney 's Letter ( Attached ) on USPS tracking number- XXXX, which shows that the Attorney 's Letter and the request for a refund was received on XX/XX/XXXX with no response. 

We are shocked that we received a call today that Capital One, is forcing a re-bill to our card that ends in - XXXX for the {$2300.00} for the cancelled policy. The SCC has asked the Insurance agent to provide us with their Errors and Omissions Insurance information, because the policy taken in XX/XX/XXXX with XXXX XXXX XXXX- XXXX XXXX  XXXX was not the correct coverage for our business. That is what XXXX XXXX, Insurance Agent at the XXXX XXXX   XXXX XXXX XXXX wrote in her letter cancelling our policy ( Referenced above ) on or about XX/XX/XXXX. 

We used the refund on our card in XX/XX/XXXX for {$2300.00} to purchase a NEW Insurance Policy that was the correct policy and with the correct coverage needed. 

Although XXXX XXXX has a NO-Loss Letter from XX/XX/XXXX so that the insurance policy can be cancelled to inception, with no claims that they would ever pay, and with their agent 's notification on XX/XX/XXXX that we had no insurance, we had to receive a refund, the agent at XXXX XXXX  XXXX is insisting that he would keep our money. So that Is why we reported the agent to The SCC, the regulatory Body for insurance agents in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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:
According to 15 USC 1681 a consumer report does not contain information about transactions with financial institution, which would entail payments.

I was supposed to receive 3 disclosures from the financial institution before they reported information to credit reporting agencies.

15 USC 6801 states that the financial institution is obligated to protect my non public information and not to share it to anyone.

15 USC 6802 states that the financial institution may not disclose information to non affiliated third parties any non public information unless the financial institution provides me with communication that information will be shared.

15 USC 1681 also states that all consumer reports shall not contain information that pertains to transactions or experiences, which payments are transactions.

Further under 15 USC 1681 i did not authorize information to be shared to consumer reporting agencies.

There are three alleged late payments showing on my credit report from the 3 biggest credit reporting agencies, which needs to be deleted based on the laws i stated above, and that i did not authorize these alleged late payments to be disclosed to the consumer reporting agencies.

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