BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX pulled my credit due to being denied a loan XXXX XXXX listed on credit report It says closed XXXX Date reported to who XXXX XXXX XXXX XXXX XXXX XXXX Va unclaimed?? 
But THE PAYMENT HISTORY on my credit report shows some persons used. My XXXX XXXX CARD in XXXX. I was homeless and had no credit cards on my person only my debit bank card from XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX And I had no phone until XXXX approx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : : XXXX XXXX XXXX limit It says payroll deducted I HAVE NEVER AUTHORIZED AN ACCOUNT TO BE PAYROLL DEDUCTED I have asked XXXX for the info on file for my XXXX gon na card NO RESPONSE SINCE XXXX I NEED where the card has last been sent to when the card was documented used Address Phone The payroll deducted account info that XXXX cans bas for my card And the name of company it was being payroll deducted from and their info and BANK ACCOUNT # used to pay for the charges I need this ASAP SO I. Can catch the persons who stole my identity. Since XXXX I have over one million dollars plus missing Unaccounted for Identity theft registered with FTC and confirmed by the office of comptroller for Currency USA I want the credit info as per I have requested numerous times to reciver my identity asap sent to me at only XXXX XXXX XXXX nc XXXX Only XXXX Only My birth 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 2020-07-20
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX CARD

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 2022-12-07
Company: EQUIFAX, INC.
State: AL
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. 

Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Opened credit card with Bank Of America in XXXX this year. Set up Auto-Pay with " Amount Due '' selected ( as opposed to Minimum Amount Due, Account Balance or Fixed Amount ). Auto-Pay processed, but only paid the minimum amount due and I was charged interest on XX/XX/XXXX. I phoned Bank of America to resolve the issue on XX/XX/XXXX and they refused to refund the interest charges despite the fact that I had intended to pay the full amount due to avoid interest charges. The root cause of this failure is the third party company that BoA has contracted to collect payments using their web portal that uses a terribly design and perhaps intentionally misleading interface. I escalated this call twice, and was promised a call back by a supervisor, but this has not happened.

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 2020-07-20
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted a dispute for XXXX BANKRUPTCY XXXX XXXX AL XXXX -- # XXXX with experian. I received to response from them or no reporting that the account was in dispute. Over 45 days later I sent another letter asking for the removal of this account because it was past the 30 day mark to investigate. I still have received nothing from this bureau as of today XX/XX/2020. I'm asking the CFPB to help me with this issue. thanks

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 2021-12-01
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:
Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XXXX/XXXX/2021 and XX/XX/2021 but nothing has been done. please help me with this matter.

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 2021-02-11
Company: LEXISNEXIS
State: NE
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:
I have great credit history. Lexis Nexis computes a insurance score and credit score. The score is inaccurate and they don't disclose the findings or how they calculate. They make a score that costs consumers additional money and expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Tried to make online payments. 

I entered the correct banking information twice. 

There system keeps changing the last 4 digits of my bank account number so the payment never processes. 

This is a website, system error or representative at the local branch changing my account information. 

Which now they have removed the ability to for me to make online payments. 

I do not have the ability to go to there local branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: AR
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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
According to the fracas the term investigation consumer reports mean a consumer report or portion there for in which information on a consumers character general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who my have knowledge concerning any such item of information. The stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate showing the inaccuracies. These accounts are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX  account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # 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 explanation
Consumer complaint received 2021-09-03
Company: Performant Financial Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a Consumer and Creditor as per USC 1692a ( 3 ) ( 4 ). This is the second time I received a letter from this debt collector as per USC 1692a ( 6 ). I sent it back with NO CONTRACT RETURN TO SENDER label. This debt collector has refused to cease further communication with me after I requested them to stop. USC 1692c ( a ) ( c ). They have doubled their alleged bill amount. Now, I am going to invoice them for the FDCPA violations. I did not give this debt collector prior consent to communicate with me USC 1692c ( a ). As a Consumer I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As of XX/XX/2020 I could not access my Chime Bank acct. I called their official customer service line. They stated there was a problem with my acct and the ONLY way to fix this was by remote access. I only trusted this because they are bank employees. I was uncomfortable with this whole process but needed access to my acct to pay living expenses. They said XXXX XXXX is part of Chime bank that they would transfer some of the BANK 'S MONEY to cash app and see if my acct would accept transfers and withdrawals. To my horror I watched as they took everything I had {$1200.00} by the time I realized it was MY MONEY they had used it was too late. Have been fighting with both institutions for 4 days to return my money. The last call I got, they said my money would be returned to my acct in 24-48 hrs still no results. The largest amount taken at one time was {$790.00} it was sent from XXXX XXXX to XXXX. That transaction now neither shows on Chime bank records or XXXX XXXX records. I need my money back ASAP it was all I had. I'm a XXXX XXXX who is XXXX yrs old and I work part time to make ends meet. For me this is a financial disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to dispute this debt. The law says I must do so in writing. However, the letter from Transworld Systems does not include the address for XXXX XXXX XXXX, the contact listed in their letter. There's only a phone number. Would you kindly provide an address so that I can write to your contact? 

In response to said letter : Transworld systems did not provide verification of the debt. As the debt collector, Transworld Systems should only pursue debts they can verify. XXXX, the original creditor is in possession of documents and records of conversations between myself and their corporate offices : XXXX XXXX, XXXX XXXX and their billing department that proves I do not owe this debt. 

This debt can not be verified if Transworld Systems does not request from XXXX, and XXXX produces a full disclosure of all documents and communications pertaining to this debt they claim I owe. I am asking Transworld Systems to kindly request all said documents and communications from XXXX. 

As I stated in my original complaint through CFPB, XXXX sold me faulty equipment, refused to correct the problem for months. During these months, I did not receive the Internet service I was paying for. When XXXX finally fixed the issue, they then " upgraded '' my service without my informed consent. This shady business act led to an increase in my bill. I do not owe this debt and in fact, XXXX owes me for services I paid for, but did not receive due to their faulty equipment. 

Continuing to pursue this debt without obtaining full disclosure from XXXX of all the documents and communications related to this debt would be an unfair assumption without all the facts, and would not constitute verification of this debt. 

Additionally : I kindly ask that In the pursuit of this debt, Transworld Systems contact me only in writing and at the address submitted through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: Check Security Associates, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I keep receiving several calls at my place of employment from a man named XXXX XXXX who claims to work for a Warner Location Services. I asked him to not call my employer, if this is a legal matter to please send me something in writing or by mail. He refuses and has been constantly leaving messages on my work voicemail stating I better call him by a certain time that day or legal action will be taken against me. Also states that if I do n't call him that an employment verification will be faxed to my employer. Demands that I call him back at XXXX ext. XXXX, to resolve this legal matter. When I called that number, there 's a recording that says, thank you for calling, if you know your parties extension please dial it now or press XXXX and someone will be with you. There is no introduction with a company name or anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information on my credit 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 2019-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 walked into XXXX XXXX with the intention of viewing some shirts. Expectedly, I was met with very push salesman eager to upsell me on a suit or suits. After some back and forth, I agreed to purchase two custom shirts and three ties. The merchant stated they would have the purchased items ready in 2 days time. Upon receiving my receipt, I noticed the total amount in XXXX was not what we agreed on in US dollars. 

At this point, I did not want to conduct further business with this merchant. I decided to leave the establishment to avoid confrontation and confirm my suspicion. In the taxi ride to my hotel, I confirmed they grossly over charged me for the merchandise, so I called to cancel this order that was placed just minutes before. Instead of honoring my request, they asked me to return to the establishment to be fitted for a suit. I declined several times and they insisted that they would not cancel my order. 

I politely declined to return to the store and simply asked to cancel the order before ending the call. They continued to harass me with follow up call via the XXXX. 

Proceeding the call, I contacted Capital One support describing the matter at hand and filed my claim. I have not received any goods from this merchant and have no interest in paying for merchandise I have not received or requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: TX
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 finally got XXXX XXXX settled and account is paid in full. See letter attached. Please delete. Thanks

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