BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello, this is regarding a prepaid reward card that I got from submitting a rebate for purchasing XXXX XXXX cookware set from Kohls. The card has {$40.00} and it expired on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone used my identy at XXXX and XXXX did a hard inquiry using my social security number. On XX/XX/2018. Please notify XXXX that my identy has been stolen. 
SS # : XXXX. 

Also, an attemp to change address, phone number and email address to set up XXXX to transfer from my XXXX XXXX account was detected by XXXX XXXX fraud detection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: IN
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 Equifax and XXXX are violating the LAW in regards to my consumer report. I haven't worked in one year because Consumer Reports violated the law therefore causing me not to obtain credit to get my semi truck leading to me losing out on a $ XXXX deal. This has damaged my life and I am not able to take care of myself or my children properly. I call XXXX everyday and can never get through. When I report it they always say there is a third party involved and that is not true. I am fed up with this. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; These accounts should not be on my credit report at all. XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX and this inquiry : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include consumer report ( Credit Report ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card ( ID, Social Security ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

If these items are not removed from my credit report for any reason, I will hire a consumer lawyer and the consumer reporting agencies will be fined {$1000.00} per account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back in early XXXX XXXX Submitted a Dispute to all 3 Major Credit Reporting Agencies, ( XXXX, Transunion & XXXX ) as it pertains to the Unlawful & Malfeasance practices of XXXX XXXX XXXX ) I requested that Credit Acceptance be investigated for their Usurious Rates and Verify that the State of Ga Attorneys General 's office is currently Suing this Company for Fraudulent & Misleading Business Practices. 

XXXX removed XXXX XXXX XXXX from my report, but, XXXX and TransUnion failed to address matter, I believe neither agency hasn't addressed or investigated this pending 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 2021-07-17
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
On XX/XX/XXXX I called New Rez / Shellpoint mortgage and spoke to XXXX XXXX. I had checked my credit report and noticed that they had reported a 30 day late payment on XX/XX/XXXX, This mortgage had already been paid off XX/XX/XXXX. XXXX was surprised and assured me he would advise the department that incorrectly reported the error to have it corrected, he also advised me to file a dispute with XXXX, which I did on XX/XX/XXXX. 

On XX/XX/XXXX I called back and spoke with XXXX XXXX and was told that the report would update soon. As of XX/XX/XXXX still no correction so I call back and speak with XXXX, she advised that I would receive a letter of correction very soon. On XX/XX/XXXX I receive a letter from NewRez in response to my recent inquiry stating they are working on gathering information and will forward it as soon as possible. 

I make a call on XX/XX/XXXX and speak with XXXX XXXX, I asked if I can get an email stating they have corrected the reporting, he said he would send an email confirmation of the correction. I never received an email correction but I did receive an email which was a copy of my complaint to XXXX  with DRAFT written across it and it was submitted by XXXX XXXX. 
On XX/XX/XXXX I called back again and spoke with XXXX, again I was advised that it will take another 30 days for correction because they only update once a month ... .Now I am beyond frustrated. 

Here we are on XX/XX/XXXX and still no resolution so I call back and speak to XXXX XXXX who advises me there is nothing she can do, I then ask to speak to a supervisor. several minutes later XXXX, who identifies herself as a supervisor ( not sure if that is correct spelling ) said there is nothing she can do unless I send in my credit report. I asked her why I have to go through all the hoops when they made the error? I then asked her to read all the notes and she said there were too many for her to read .... seriously?? 
She was absolutely the least professional person I spoke to during this ordeal. 
I have been beyond patient with this terrible experience and would hope no other NEWREZ/SHELLPOINT customer will have to go through this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Block, Inc.
State: FL
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:
I am a XXXX woman, i receive money from my husband to purchase household items i always use delivery services, i receive all my money from indiviuals who usually help us out. on yesterday XX/XX/XXXX my husband sent me {$100.00} to make household purchases as soon as i got ready to use the funds cash app took {$90.00} from me when i checked it stated that i had purchases from XXXX, now i knew i hadnt use XXXX in baout a mouth had no pending charges what so ever so i called XXXX, once as i proceeded to give them my info they asked me how did i pay i informed the woman whom name is XXXX that i made my purchase with my cash app card she stopped me and started reading me a statement that they had received from cash app stating that they had a glitch in they system in XXXX and the clients that had used they service were affected by this and if the called in to refer them to cash app support.si i called cash app support after being hung up on 3 times telling me i made the purchases to dispute with my bank, it had nothing to do with them the problem is ihave no bank account theres no bank affliated with my cash app account i only receive money from family and friends so on the 4th try i was able to speak to a male named XXXX and cash app he informed me that indeed there was a glitch and i needed to contact my bank, i explain to him that i had no bank he stated that cash app paid the merchant, that the merchant got paid and cash did not so it went back to my bank account and i should have received back in my account, so i stated again what bank because i have no bank account, you are my bank account so who got the money cause i would have notice extra money in my account and then he stated i need to escalate this to a manager because i dont know how to resolve this .I hada total of 3 charges that came out at the same time .for dates XX/XX/XXXX for {$45.00} another XXXX for {$36.00} and the last XXXX XX/XX/XXXX for {$8.00} now the bad part about this how i really know they were not honest XXXX of the purchases they took was a refund it was never even given back but on XXXX end it was a processed return, i dont have a job so this has really hurt me i been using cash for awhile and never experinced anything so cruel against your own customers i will continue to spread awareness about this and filed as many complaints i can i was also told that they were going to close my account if i proceeded with this the nerve, there is a class action suit someone is trying to file as we speak because so many people are going through this im not understanding how or why they can do this to people and nothing gets done, they are protected why are we not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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 2021-11-06
Company: LJ Ross Associates
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX a validation letter was mailed to L J Ross Associates In. This company/organization has failed to provide the following : What is the dollar amount owed? 
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s : Instead the company continuously calls my cellular telephone number as well as reported the collections onto my account both on XX/XX/2021 and XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: MO
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-12-04
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:
I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2023-07-01
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:
My auto loan is showing late payments when it is not actually late. As well as the balance is incorrect. I have checked all three credit bureaus and all three information is inaccurate and show different information. From the comments, to date of last activity, to months reviewed. As well as I saw a recent article from the CFPB in regards to XXXX XXXX reporting incorrect information on auto loans. My auto loans is with : XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was transported by ambulance in XXXX from XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX because I was XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX XXXX ). If I had received a bill, I would have given XXXX my XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX. 

In XXXX, I was advised that I had a collection on my credit report from XXXX. XXXX XXXX XXXX had purchased the XXXX debt from XXXX and listed it on my credit reported as opened on XX/XX/XXXX. Now this XXXX debt will be on my credit report until at XXXX, unless XXXX XXXX XXXX due what most collection agencies due, they keep changing the opening date of the collection to keep it alive on your credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These people are predator collection agency, will not stop writing and calling ever though I have asked them to stop. 

This is an old debt that should not be on my credit report as it is a medical bill Thanks for you assistance with this matter Sincerely XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dispute your position that my identity theft claim is unfounded. WHOM DO YOU THINK YOU ARE TO JUDGE ME ABOUT WHETHER OR NOT I'VE BEEN A VICTIM? It is completely baseless to claim that you have the authority or the legal standing to make such a decision. You can be confident that I will promptly contact an attorney to begin legal action if you continue with this wrongful denial. I demand that you follow the stringent legal procedures that regulate claims of identity theft. I am providing you with an official law enforcement agency report, duly filed with a federal agency, to underscore the gravity of my case. Let 's get this resolved as quickly as possible in the allotted five days. 

Unfortunately, it appears that my attempts to make this right have not been received well. It seems that your bureau has not taken the seriousness of my identity theft case into consideration, despite the significant proof I have presented. I feel abandoned, irritated, and powerless as a result of this lack of acknowledgment. 

I implore your bureau to acknowledge the seriousness of my identity theft claim and take immediate and decisive action. I request that you conduct a thorough investigation into the matter, validate the authenticity of my evidence, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek assurance that you will take steps to prevent the recurrence of such unauthorized activity in the future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX Please be aware that if my concerns are not addressed promptly and satisfactorily, I am prepared to seek legal counsel and escalate this matter to relevant regulatory authorities to ensure that justice prevails.

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 2021-11-07
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Source Receivables MNG at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX this collections is not from original creditor. I don't owe Source Receivables MNG Account # XXXX I never heard of Source Receivables MNG. I never did a contract whit them. I collection has been reported as past due balance. I don't know this company. this company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Old information reappears or never goes away

Complaint:
Due to the change in the New York Statute of Limitations bill signed by Gov. XXXX XXXX  into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.

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