BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
To Transunion Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Account Number : XXXX Please remove it from my credit report 4. Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: PA
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone tried to open up a credit card in my name twice ( XX/XX/23 and XX/XX/23 ) with Capital One Venture card. This resulted in two hard inquiries on my credit report. Both applications were denied after I called Capital One. My credit report now shows 2 hard inquiries that are invalid and fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am disputing the billing error on my account in the amount of {$6700.00}. The amount is inaccurate because CapitalOne allowed continuous charge authorizations to my account without my permission. My initial credit limit was {$2000.00}. As you can see on the attached credit card statements, there are charges that were authorized on my account that far exceeded that limit. These charges should have been rejected as there clearly wasn't enough available credit for them to have been approved. " Purchase Adjustments '' and " Transaction Rebills '' as described on the attached statements, have clearly exceeded the {$2000.00} limit by approximately {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I filed a dispute on my prepaid American Express Serve account for a total of XXXX atm withdrawals that were fraudulently done on my account. This totaled {$2000.00}. XX/XX/XXXX I received a dispute acknowledgment email.After checking my account history deeper I was able to locate XXXX more atm withdrawals that were fraudulent on my account which totaled {$810.00}. This brought the total money stolen from my account to {$2800.00} dollars. XX/XX/XXXX I filed the dispute for those transactions. XX/XX/XXXX, I received another dispute acknowledgment email, this is where I can submit my forms and evidence. 
XX/XX/XXXX my dispute was declined over email, I never spoke to anyone about this investigation. The email stated that they saw no error in the transactions and that they were authorized. Not once did I give my card to anyone nor does anyone know my pin. XX/XX/XXXX I filed another claim, XX/XX/XXXX I received an email acknowledging the dispute. Then again I submitted my evidence and an explanation of this. XX/XX/XXXX the dispute was declined again saying no error has occurred. Then XX/XX/XXXX I filed another dispute, XX/XX/XXXX I received a dispute acknowledgment email again, I sent in the evidence again. This is my XXXX dispute and I really need professional help. I feel their practices have not been in line with the consumer rights and laws. Now this matter has been unfair and Ive had no type of communication with the investigating team, not once. I feel that is wrong on top of the matter that I did not authorize, nor did I take this money out. It was taken out fraudulently. The common theme of these transactions were that they went to XXXX XXXX locations from XXXX XXXX taking out {$700.00} plus dollars at each of the locations. My daily limit of what I can take out is {$600.00} dollars it has never let me exceed that. On top of that I have never taken money out of XXXX locations. I prefer going to a money pass ATM where it is free, those are usually located at a XX/XX/11 and they are pretty secure. Also I work frm XXXX to XXXX XXXX  and during those days they made multiple visits. I could not and would not take a trip to XXXX to take money out when it is multiple atm machines near my work place. It is clear this was fraud but some reason Amex thinks otherwise. I would appreciate your help, my name is XXXX XXXX my number is XXXX, email is XXXX, thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are several unauthorized credit inquiries listed on each of the three credit reporting agencies. I have contacted each credit reporting agency individually using a certified mailing option. The dates of contact are XX/XX/23 and XX/XX/23, respectively. 
Each of the credit reporting agencies have continued to report these unauthorized inquiries and have not responded to my request to-date ( XX/XX/23 ). 
As the consumer, when I contact a credit reporting agency with information that I believe to be inaccurate or requesting investigation into inaccuracies, I expect that they will handle these matters with some urgency and respond to me timely with updates regarding my legitimate requests. 
This has not occurred and I wish to complain about these credit reporting agencies and have their business practices investigated. Their role as a consumer credit reporting agency, consumer being the main focus here, then I would presume that they have a fiduciary duty to appease the inquiries of the consumer whom they exist to serve. Maybe I am mistaken but I am certain that I am not the only victim of these unethical and unsupported business practices.

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 2017-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested verification on the alleged debt Portfolio Recovery is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof Portfolio Recovery could legally collect in the state of TN. 

I requested this information on XX/XX/XXXX by mail and did not receive an apply back. 


On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/XXXX, CCS Collections is reporting a debt as paid when I do not have any debt with them. I took care of my balance to reinstate my insurance with XXXX on XX/XX/XXXX. This morning I called CCS to inquire why they are reporting a debt as paid to them when I never was involved with them and I dealt directly with the creditor. This company has no grounds to be reporting on my credit report. The information they are providing to XXXX and XXXX are inaccurate. Before I made my payment on XX/XX/XXXX, the representative, XXXX told me it would take up to 30 days to reflect to be removed from my report but when I talked to CCS to confirm this information because I saw XXXX removed the account, I was told that they won't remove it at all. This is a clear violation of my FCRA rights as a consumer. This debt is invalid and does not belong to me and should be removed from my XXXX and XXXX reports immediately and not updated to paid because I never handled business with CCS Collections and worked directly with the original creditor. XXXX is sending me a copy of the recorded call in which I will be having professional transcribed as to what was discussed on XX/XX/XXXX. The agreement was that they would notify CCS within 24 hours so CCS should not be reporting this inaccurate information as if I owe the debt to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
XXXX XXXX XXXXXXXX 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 An 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 explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXXXXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX  You ae in Direct Violation of The Fair Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting 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 2020-02-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a victim of fraud, I open a dispute of a deb in collections with XXXX  and after 30 days they decline my dispute alleged as VERIFIED AS ACCURATE, since I dont recognize that deb as mine, I contacted the collection agency directly to find out more information directly from them, and for my surprise they dont have any information as a third party directly, they represent a law firm which is not the one reporting the deb to the Major Bureaus which under FTC is an illegal practices. they offer me a phone number to call directly the law firm whose handling the case. 
As soon I hang up with them I contact XXXX  to let them know my conversation and I request to speak directly with a supervisor to take action on my favor and remove that inaccurate information from my report as soon as possible since they have to report 100 % accurate information but he told me that XXXX  can not remove the information even when they verified by phone the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Request of validation of inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: IL
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: OneMain Finance Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: TN
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called on XX/XX/23 and spoke to XXXX. I told her this is not my account and that I have been a victim of Identity theft. She gave me the address on file. She even asked who was my employer. She would send out a fraud packet. I submitted the information along with my driver 's license and billing forms to show my address on XX/XX/23 then I got a letter in the mail on XX/XX/23 that they concluded that the information was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Square Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Dear CFPB Staff : 1 ) I established my Square Cash App cash debit card account roughly four years ago. 

2 ) On XX/XX/2021 at or about XXXX XXXX. EST, I attempted to use my Square Cash App Card to pay for an email service. 

3 ) On XX/XX/2021, at XXXX XXXX. EST, at about XXXX XXXX EST my Square Cash App Card was frozen with a positive balance of {$300.00} 4 ) On XX/XX/2021 at XXXX XXXX EST I attempted to access my Square Cash App funds but was unable to do so. 

5 ) On XX/XX/2021 at XXXX XXXX EST I accessed my Square Cash App account via the company 's portal. The portal indicated that a fraud alert had frozen my account. 

6 ) On XX/XX/2021, at about XXXX XXXX. EST, while accessing my Square Cash App account on the portal, I informed the company that there was no fraud and that I had specifically attempted to use the card for the vendor which I named. 

7 ) My money is still not available today, XX/XX/2021. 

I am a XXXX XXXX mostly working XXXX XXXX at a XXXX XXXX XXXX XXXX and need access to my funds. I am especially concerned to see online that many other customers of Square Cash App have experienced the same inability to access their funds after notifying Square Cash App that there was no fraud on their account following a fraud hold, and specifically citing the vendor they had attempted to pay. 

I have never had my funds held by any other debit or credit card provider after directly confirming the absence of fraud and indicating the specific vendor I had attempted to pay with that caused an erroneous alert, and in every other case the hold has been instantly removed. 

I am more concerned for others who are more vulnerable than myself, as this could really be devastating for low income single parents with children. 

Thank you for your very important work. 

XXXX

Company response to consumer: Closed with explanation