BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened a 0 % credit card account and transferred XXXX balances. One had the incorrect account information and credit card name. 
A check for XXXX was issued to XXXX XXXX XXXX XXXX XXXX, XXXX KY XXXX- I have no account with XXXX XXXX. 
XXXX XXXX sent a letter to Elan Financial Services ( the new 0 % apr card ) saying they could not find the account on XX/XX/2023. The check was cashed the following day on XX/XX/2023 by XXXX XXXX even though I have NO ACCOUNT WITH THEM and they asked for account verification. 
On XX/XX/XXXX I was sent a copy of the letter from XXXX XXXX requesting my correct account information. I have been out of town and opened the letter yesterday along with an account statement from Elan showing the balance transfer went through. 
I have contacted both Elan Financial Services and XXXX XXXX numerous times today with no results. Both are pointing the finger at each other. XXXX XXXX will give no info as I have no account, Elan says they can not cancel the check since it was cashed. 
I will be very grateful for any help with this matter. 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 monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Avant credit card opened in XX/XX/2019. Never once had a Late payment! as I went to pay my monthly bill, I noticed TWO unauthorized charges from a XXXX seller account! I do NOT have any XXXX seller accounts with XXXX and do NOT use this card to buy XXXX purchases. I have in the past, but it was MONTHS ago! I do NOT have this card on my XXXX account. My XXXX was hacked into by a scammer, and now I have had to replace 2 credit cards my XXXX  and this Avant card due to these unauthorized charges from this XXXX seller stuff. I reported to Avant 3 days ago that these were NOT my charges and I have been a victim of identity theft. Even a scammer pretending to be my bank calling and texting me wanting my user ID for my bank account! I explained this to Avant and they proceeded to close the card and reissue a new card, but the balance still remains over the limit because of this FRAUD! theres TWO XXXX seller {$39.00} and a {$59.00} that need to be removed asap! And this has dramatically DROPPED my XXXX  score! Because Avant wants to report a fraudulent balance! How rude of them to do this to a long time customer, especially a customer that has made 100 % payments! I do not recommend this company after what they have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have been disputing with the Credit Reporting Agency for sometime now, over accounts that are being reported as inaccurate on my credit profile. The said accounts have not be properly verified nor has any documentation have been presented to me. This has been going on for sometime now and its becoming mentally stressful. Numerous dispute letters have been sent Via XXXX certified mail.

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 2020-04-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023. 


I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Without any fraudulent inquiries, be immediately deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

I have attached my driver 's license, social security card, utility bill, and identity theft report.

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 2023-09-07
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2022, I purchased a vehicle ( XXXX XXXX XXXX ) from US Auto Sales in XXXX XXXX, GA. The vehicle is a lemon. It has had a multitude of mechanical and the electrical system is not fixable. The company also hit the " kill switch '' frequently which always made the battery disabled. I would be only 2 days late for payment or not at all. The " kill switch '' would still be used by US Auto Sales. I was double-billed, also. I had the XXXX XXXX sitting at a Mechanic 's Shop, but the new company, Westlake Portfolio repossessed the vehicle. I am seeking relief from a chronically broken-down vehicle that was unfixable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Experian is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Experian credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Experian is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Experian for their predatory practices that need to be stopped immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SYNCHRONY FINANCIAL
State: MN
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:
These accounts and Inquiries are not mine they were made without my permission, consent Inquiries. JC Penney Inquiry : XX/XX/2022 or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the Inquiries must be removed immediately 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 2023-03-08
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX I've never made a late payment XXXX  This isn't my account XXXX XXXX I've never had a charge-off with them. They said the credit bureau have to fix it. XXXX have yet to fix it. 

XXXX XXXX This isn't my account As far as the inquiries, they are not authorized which is a fraudulent act. Please delete! 

I reported these accounts as Fraud through the FTC. 
My rights under the Fair Credit Act were violated. I have the right to sue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-03-08
Company: Experian Information Solutions 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:
In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. Account name XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXX Account number XXXX Date opened XXXX, XXXX, Account name XXXX Account number XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX. 
The above accounts have violated my rights. 15 U.S.C Section 602A states, I have the right to privacy 15 U.S.C Section 604A Section 2 : 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 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 2019-01-25
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX, I disputed hard inquiries on my Experian credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to XXXX  XXXX XXXX to remove the unauthorized inquiry. I then filed a CFPB complaint against Experian and XXXX  XXXX XXXX on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX Experian replied to my CFPB complaint file # XXXX, I was informed through Experian reply to contact the furnisher of the inquiry. Which I did. 

( XXXX  XXXX XXXX ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

XXXX  XXXX XXXX did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, Experian insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( XXXX  XXXX XXXX ) giving me the run around back to Experian that also did not investigate initially to see that XXXX XXXX XXXX can provide proof of consent according to FCRA laws.

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 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
I did a dispute online with TransUnion and a chat representative and I explained that the XXXX XXXX account is reporting past the seven years and is impacting my score and financial means of getting credit cards and loansXXXX XXXX sent me a lien release and a title to confirm this account should not be reporting on my credit.Trans union did a quick investigation and still let this negative account stay on my credit profile and refuse to remove it.So I need this resolved so it does not continue to impact my life severely and XXXX XXXX should corporate and this was removed from my XXXX profile and now I am go through all the credit bureaus to make sure this is resolved and removed from my credit profile.XXXX shouldve taken care this with the credit bureaus and they informed me that they would which is not true.

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 2021-04-15
Company: First Technology Federal Credit Union
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First Tech doesn't not care about it members or customers even though that what it claims on it website that " Our credit union always puts people first. '' I initiated a transfer from my external bank for {$350.00} on Tuesday XX/XX/21 at XXXX EST because that's what my current and available balance said I had in my account. Unbeknownst to me at the time, my actual balance was actually {$350.00} because they still had not updated my account to reflect the withdraw of the trial deposits from the bank I was transferring to. On my end, I already saw the withdraw line for the {$0.00} of trial deposits when I logged into my First Tech account so I assumed {$350.00} was my correct and accurate balance given that {$350.00} showed as my current and available balance. The next day I saw that my transfer had failed and they charged me {$33.00} for the failed transfer that was caused by the information on their online banking not reflecting the accurate balance. I called them severals times to see if they could reverse this fee, and they refused to reverse it, giving me fake empathy saying they understood how I felt but couldn't do anything. You can't do anything? You literally are the one setting the fee, not me. You understand how I feel? Are you a student struggling to just eat food everyday because of this pandemic? That {$33.00} represents a weeks worth of groceries for me, I bet you're not a starving student, are you? I bet you never been poor and food insecure yet First Tech claims to help their community and donates to all of these charities when they can't even help their members. First Tech sets these fees, and then try to claim that they charge these fees because their account don't charge a monthly fee, why do other banks and XXXX also not charge fees on their accounts but waive overdraft fees for the pandemic for struggling members and customers? First Tech only cares about profits, they wouldn't care if one of their members that suppose to be considered part of their community starves this week because of this {$33.00} fee, they only care about you if you're profitable to them. I'm not surprised, like the big banks, they see their customers as dollar signs and not real people that suffer. All I'm asking for is the {$33.00} reversed and they can't even do that even though this is the first time it's happening. I had to ask them to close my account as a result of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation