BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS HAVE VIOLATED MY RIGHTS TO PRIVACY XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX 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 2023-02-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: DC
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:
My name was included in the Equifax data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE FOLLOWING NEGATIVE ACCOUNTS ARE REALLY AFFECTING THE OVER-ALL STATE OF HEALTH OF MY CREDIT SCORES. THE XXXX XXXX ACCOUNT WHICH IS DATED FROM 2017 WAS ONLY REPAIRED OFF OF TRANSUNION AND REMAINS NEGATIVE ON THE OTHER TWO CREDIT BUREAUS. WHAT IS THE REASON TO WHY THIS ACCOUNT IS STILL ON THERE? NOTHING WAS DONE ABOUT THIS AND I DEMAND A REASON TO WHY ... ..

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 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has furnished information on my credit report that I did not give authorization or written consent for Experian to do so. The information or account is XXXX with account # 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 2022-02-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today at XXXX XXXX I received notification that my Federal income tax ( {$14000.00} ) had been deposited into my account. After arriving on XXXX XXXX Chase branch, walks inside to the ATM to withdraw a large amount and each transaction was red flag, denied transaction. I proceed to wait in line to see why I was unable to withdraw funds, I was told my income tax was available but the check was pending " even if funds states available ", I was told by branch manager due to the Chase rules. I couldn't withdraw {$5000.00} ( for a security deposit for a home for me and my kids ). WHY???? My XXXX check was just available XXXX hrs prior PENDING and release. Perfect examples on XXXX issues within the system of Chase banking system.Treats people of XXXX as criminals walking into a bank to withdraw money from my own personal account..Sickening!!!! Embarrassing me, I refuse to allow Chase banking to keep me down and hold me back from life based on my XXXX. I will still open my business this year, I will still buy my home and will still be able to use my account, just not with Chase. I can't keep wasting my time crying about how i'm being treated. Chase doesn't deserve my business, Chase is not for people of XXXX and it is what it is. I just submitted my proof of income to these ppl and can't pay for the unit.. I was allowed {$1000.00}, XXXX!!! While in the bank Chase texting/emailing stating " fraud alert ''. I can return for my transaction .Chase shall see me in court!!! XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not recognize these inquiries and did not authorize them.

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 2023-02-11
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$740.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am unable to secure my account Iam not able to check often for unauthorized charges and report them timely as all other are encoraged to do to PROTECT their accounts USAA IS NO ACCESS for my XXXX I HAVE NO PROTECTION AND NO ACCESS XXXX NEED BANK ACCESS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called experian and XXXX. Under XX/XX/XXXX my credit score shows up as XXXX and ive been tryin to use the score to get a truck and cant do it because shows up no revalving credit so. On the report datedXX/XX/XXXX. XXXXXXXX XXXX XXXX card shows as good credit and is revalving credit until XXXX so i tried calling 3 times, to experian and in past tried callong XX/XX/XXXXand XXXX keeps hanging up i asked them to take my numbdr incase it did hang up he said no i asked for a supervisor. To help, me out most of them are foreign. And cant understand. Them so all im asking is my credit acore to show up

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

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 2023-03-13
Company: Marcadis Singer PA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Marcadis SInger, PA Attorneys at Law claiming that I owe a debt for XXXX XXXX XXXX. This my first time having this communication from this attorney office. Ive already sent off a validation to XXXX XXXX XXXX on XX/XX/2022 about this alleged debt. I havent heard from XXXX XXXX XXXX nor Marcadis Singer, PA until now. The certified letter with tracking # XXXX to XXXX XXXX XXXX and it was delivered XX/XX/2022 at XXXX. Ive also sent a validation of debt to Marcadis Singer, PA attorney at law about this same debt ( tracking # XXXX ). Which is now in transit to the attorney office. It been almost a year from the first time communication from XXXX XXXX XXXX. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with proper proof, then you must stop attempting to collect this alleged debt. 
If you continue to claim I owe a debt that you can not confirm with proof then you will be in direct violation of the FDCPA 15 USC 1692g. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
{$2000.00} was stolen from my checking account through Cash App and they will not respond to my email regarding this. I tried fixing it through my bank but they will not refund my money as fraud because Cash App is not responding to me so that it can be proven that I did not authorize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( XXXX ) with ( XXXX XXXX ) was deleted from my credit report. 
I have now realized that this same item was reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) Is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

Sincerely XXXX, 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 explanation
Consumer complaint received 2023-03-13
Company: DISCOVER BANK
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 Report Act XXXX XXXX Discover and XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This complaint is follow up to my two initial complaints regarding this matter from 2019 ( XXXX & XXXX ). An ACH was credited to my account, and it is my understanding that there was a name mismatch. Capital One has placed the account in a restricted status and in their last response to me, told me that the funds are being sent back to the originator. However nearly two years after this problem has started, the funds are still held in this account and have not been sent back to the originator. And now, I am receiving a 1099-INT for funds that Capital One has. I requested this account be closed long ago, but it has yet to happen. And now Capital Ones failure to act is resulting in tax implications for me. As I stated previously : they can close the account and return the ACH. But now they are saying Im receiving interest payments that I am not the beneficiary of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-13
Company: OneMain Finance Corporation
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 have no knowledge of ANY inquiries on my credit report. I have contacted every single one on my credit report ( s ) and have advised them that I did not have any knowledge nor did I approve of any of the inquiries. I have tried to resolve this for months and still no results of removal. they all need to be REMOVED ASAP. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
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: Public record information inaccurate

Complaint:
1. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - US BKPT CT CA LA 2. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - US BKPT CT CA LA

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 2023-02-26
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
Hello my name is XXXX XXXX all my identity was stolen from breach though the credit bureaus my information was tampered with my personal information, email really has been a difficult time when knowing your personal information was tamper with though a breach data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
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: Account information incorrect

Complaint:
I reviewed my consumer reports and noticed that I have late payments for an account that was closed in XXXX of XXXX, and yet you have been reporting this account late XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX has also sold this debt to a XXXX party collection agency and has tried to collect the debt from me in a settlement via email. This is against the law! 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

The following account is CLOSED, not LATE and currently is being handled by a XXXX XXXX collection agency as well and needs to be removed for multiple violations of my consumer rights : XXXX XXXX ACCT NUMBER - XXXX Please investigate and provide proof with statements showing that these payments were in fact late as you are reporting, the account was NOT closed as you are stating and that a 3rd party agency has not been assigned to collect debt from me. 

If you are unable to prove any of this, I demand that this account be removed, I also demand monetary compensation for defamation of character as I have asked you to investigate this account previously with no results. YOU ARE IN VIOLATION of the FCRA 15 USC 1681 ( E ) ( b ), I am entitled to {$1000.00} per violation and will be sure to collect. This complaint has been CCD to the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have accepted and returned all documents and negotiable instrument to Bridgecrest for the full amount due for my account. On XX/XX/2022 Bridgecrest sent back copies of all documents I sent dishonoring my payment. how ever they did not return my legal tender of payment via receipt pursuant to state and federal law a debt is a discarded specie of payment if not returned within a reasonable time. They are trying to induce me in to a fraud by paying additional " united states currency '' when the debt obligation is already payed in full and that according to the bill of exchange act a negotiable instrument is commercial paper that is also currency. Furthermore, their isn't money according to XXXX XXXX so I should not be forced to pay in debt notes under duress and cohersion when federal and state laws clearly state how to endorse and tender a payment lawfully.

Company response to consumer: Closed with explanation