BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 my account was closed unlawfully Pursuant to 12 CFR 1002.7 1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname.

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2021-02-05
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX the two accounts for XXXX and XXXX. These accounts were previously deleted from my credit report because they were reporting in error. Equifax ; XXXX and XXXX have recently started reporting these accounts again. This false reporting of these accounts is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: RSI Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed XXXX XXXX Ref # XXXXwith the credit bureaus and requested debt validation for this account. To date, I have not received proper debt validation documents and this company is depriving me of my rights. Furthermore, why would XXXX  and XXXX  delete this account if this account is verifiable and correct? I sent a letter requesting debt validation XX/XX/ 2017 and never heard from them. Attached to this complaint is a copy of the letter I sent this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1700.00}

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 send out a dispute letter to all there credit bureau TransUnion, XXXX, and XXXX  to verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.

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 2023-03-07
Company: TRIAD FINANCIAL SERVICES, INC.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a notice of dispute proof of claim to XXXX XXXXXXXXTriad Financial Services . All I received was a copy of a contract and nothing else that was requested in the Demand. A collector can't continue to collect on a debt after you've made a written request to verify the debt. But that FDCPA violation was ignored. Because I continued to get letters of late payments and even a letter threatening repossession. After receiving a written dispute, the collector must stop collecting on the debt until you have received verification. I have not received requested verification needed to validate. The dispute was never submitted in the comment section of the consumers consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Collections Acquisition Company, Inc.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i was looking thru my credit report and noticed this account from cybrcollect which i had never applied for. This account does not belong to me and is the result of fraud and i have never given them permission to have access to my personal information. I have filed an identity theft affidavit to support my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for the 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
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:
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 Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 Have no knowledge of this account. I never signed up to get this card. I dont know if they have confused me with another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Quality Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was an independent XXXX for XXXX. In approximately XX/XX/2022, I was assigned a truck equivalent to a XXXX XXXX XXXX to physically drive the unit itself from OXXXX XXXX XXXX The unit had a defect in which XXXXXXXX XXXX Dispatcher knew about and failed to relay to me. While in transport the lift gate came up causing substantial damages to a truck stop awning and city power lines endangering the safety of myself and other citizens. XXXX XXXX insurance carrier is responsible to handle any and all costs. The information given is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: OH
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 sent in a dispute letter to remove unauthorized inquiries. I included a fruad report, my id and social along with a utility bill to match my current address. Inquiries are still showing on my report and I havent been contacted after the 30 day mark. I sent out letters on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Skrill USA, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On the XXXX of XXXX my money was transferred to Skrill, However Skrill said it would take another 3-5 business day for them to clears now its been 6 business days and now they wont answer my phone call and have my account on Restriction and I dont have a have any access to my money in it its my wifes birthday and Im really upset about it what can we do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I was told that this information was no longer on XXXX but it still is reporting. I have sent in documentation for identity theft paperwork also paperwork from other reporting agency 's stating it's not reporting. it's also reporting on Transunion as well.

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 2020-03-03
Company: Experian Information Solutions Inc.
State: LA
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:
I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
XXXX  XXXX EXPERIAN I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 XXXX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 XXXX ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 EXPERIAN ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )

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 2021-02-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, I contacted Experian about a fraudulent account ( XXXX ). Early in 2020, they responded and removed the account ( There report number XXXX XX/XX/XXXX20 ). Attached is proof of the dispute results. Shortly after, another company called XXXX XXXX picked the account and put in back on my credit report. I have contacted both Experian and XXXX XXXX about the fraudulent account with calls, notarized letters and submitting disputes through there sites. But no luck

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is about Derogatory account on my credit report which was open in XX/XX/XXXX  after 7 years it was supposed to be fallen off my credit report but it still hasnt. Instead, it was re-sold from to company call XXXX XXXX XXXX XXXX after seven years and now the TransUnions is telling me that the 7 year clock has restarted. I sent them all the documents mentioning that this collection account was open almost 8 years ago by company called XXXX XXXX, and by law, they should remove it. But instead they were telling me that the collection was sold to different company, called XXXX XXXX XXXX XXXX whom reopen this collection this year in XXXX, and it will take another seven years to fall off. So I asked them what happens after another 7 years, if this company sells it to a different company, it will the 7 year clock start again and this will continue until I die they had no answer that.

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 2019-09-17
Company: EQUIFAX, INC.
State: OH
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:
Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed on my credit report there is an address being reported that I am associated with. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. While there is a similar address of XXXX XXXX XXXX XXXX, SC XXXX. 

As a result there are several accounts being reported erroneously. The account listed below does not belong to me and would like the reporting of the associated address and account to be removed from my credit report. 


XXXX XXXX XXXX with a {$160.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX I contacted Experian about an existing problem. In XXXX of 2021 i opened an account with XXXX XXXX  to purchase furniture from XXXX XXXX. a few days later, due to unforeseen circumstances, I canceled the order I notified XXXX XXXX  I never received any merchandise. I was given a contract from XXXX XXXX  showing it was canceled and I was provided a letter from XXXX XXXX indicating I receive no merchandise. Two years later Experian is the only credit bureau that wont remove the tradeline I have provided them with the same documents that were provided to XXXX and XXXX, but they choose to do nothing about it. I spoke to Experian representative and was told that it doesnt matter what documents I send them the verify based on what they receive from the creditor.

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 2021-03-30
Company: Army and Air Force Exchange Service
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Fraudulent Army Airforce Exchange charges, requested removal authorized user Unable to contact Exchange Services Communication with Impersonating Representative Request removal with provided documentation XXXX  Alert : Personal Information distributed dark web

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