BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
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:
There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.

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 2023-02-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act the following accounts below have violated my Federally Protected Consumer Rights to Privacy and confidently, pursuant to 15USC 1681 section 602a which states that I have a right to privacy. They have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15USC 1602 ( p ), violates 18USC894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have violated my rights and restraint of trade in violation of XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally it clearly states under 15 USC 1681 section 604a section2 that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) Duty of furnishers on information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-11-15
Company: Army and Air Force Exchange Service
State: CO
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 am writing to you today to dispute the recent reporting of my Military Star Card account to the credit bureaus. I am not disputing the balance on the account or any individual charge on the account. Instead I am disputing the way the account was recently reported to the credit bureaus. The initial account balance of {$0.00} is incorrect. I have had this particular account for many years and, unfortunately, there has been a steadily increasing account balance from one month to the next. 

In XXXX of this year, I contacted Military Star Card customer support to ask to have an authorized user on the account removed. I was informed that their system does not allow for an authorized user/card to simply be deactivated or suspended. Instead, the account has to be closed and a new card is issued to the original account holder. I confirmed that today with another call to Military Star Card customer service. What I was not informed of however, was that the closing of the joint account and subsequent establishment of a new account would have a SIGNIFICANT ADVERSE IMPACT on my credit report and credit score. With the change in the account number, Military Star Card reported my initial balance on the account of {$0.00}, but when looking through the history of the account, there has ALWAYS been a balance on the account. 

In just over one month, because of the way Military Star Card reported the change to the credit bureaus, my credit score went from Good credit with a score of XXXX on XX/XX/2019 to Fair credit with a score of XXXX on XX/XX/2019. 

My reported balance went from {$0.00} to over {$7400.00} IN ONE MONTH!! This is incorrect, inaccurate, and I demand a correction to the reporting of this information of my account immediately. I have included my XX/XX/2019 and XX/XX/2019 statements that indicate the change in the account number AS WELL AS A DECREASE in the balance of the account. Due to the inaccurate reporting of the change, my credit score, and my ability to receive reasonable credit terms has been negatively impacted through no fault of my own. 

Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions 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:
There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.

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 2023-03-14
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-22
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
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've been a member of Navy Federal since XXXX. I've worked with them during difficult times over the years. I've had a car loan and multiple credit cards. I fell on hard times and was educated on the SCRA program specifically the Ohio revised code. Back in XXXX I requested it and was told by the clerk in the XXXX office that I was not eligible. When I found out that I actually was and the information given to me was incorrect I was already XXXX. I requested it in the summer of XXXX and received no reply. I followed up on the request and was told I was ineligible because I was XXXX. They stated that they reviewed the archives from XXXX and couldn't find the request but this was because I requested it inside the branch on base in XXXX. They can see when I opened the account for my daughter but not the SCRA request. I served 20  years of faithful service to the US Navy and Navy Federal Credit union on to feel as though none of it mattered and I was just a cash cow who had military deposits sent to Navy Federal via DFAS for 20 years but I am not eligible for SCRA benefits? I am a 100 persent total and permanently XXXX veteran and time are hard. It is extremely disheartening to feel as though this company cares nothing about the people who help keep their doors open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: AL
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:
My credit score not going up like supposed to be like they cheating me refusing to up my credit score due paid installment loans in good standard conditions that not right an still getting denied credit card an my credit in good standard wrong an unlawful how credit bureaus company doing people with they credit report fraudulent companies what the point having good credit an can't use because credit report agency failed to up your credit like XXXX haven't not updated my credit score in 3 months still XXXX XXXX XXXX Experian refusing to up my score illegally fraudulent activity happened with these companies fail to Left my score an false information with credit card telling me to apply an turn me down make hard inquiry on my credit report fraudulent activity this evidence Force me to apply for credit card an get turn down false information turn me down make be as hard inquiry false advertising false information an reporting me deceased illegally lied about that wrong an illegal report someone deceased

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 2021-02-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I requested removal of late payments off a closed credit card account with XXXX XXXX XXXX. They did not respond and I wish to have the late payments removed or the whole account removed from my report. It is preventing me from getting increases on my credit card limits.

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 2023-03-14
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Comenity Bank XXXX XXXX I don't have a contract with my signature attached and this is not my mine and asking to remove I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Based on Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions 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:
This debt was sold from XXXX XXXX XXXXXXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXXXXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an OPEN account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all 3 National Credit Reporting Agencies XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! 

The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!

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 2023-08-10
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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative/fraud. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-16
Company: I.C. System, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not opened any account with XXXX XXXX VERSE and there should not been any account for IC system opened on XXXX with a balance of XXXX. Please delete this from my credit report! This is identity theft IC SYSTEM NEED TO BE PERMANETLY 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 2023-03-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was sent XXXX via XXXX. As usual I was sent a text saying the funds were on the way and would be deposited into my account. The transaction was later cancelled by my bank because they hadn't turned on my " instant deposit '' and I am told there is no way for them to recover my money. Spent nearly and hour TWICE on the phone with the bank and got nothing resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NV
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:
The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXX XXXX XXXX XXXX is not mine and is fraud. I want this account deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On the morning of XX/XX/XXXX approx. XXXX XXXX  I received a call from my mother regarding a call she received about a debt, my debt. The representative of XXXX ( XXXX ) XX/XX/XXXX XXXX called my mothers cell phone number XXXX, spoke to my mother and informed her of my personal debt in detail without confirmation of the identity of the debtor. Based on information provided by my mother was that the caller asked for XXXX XXXX, my mother did not confirm her identity as XXXX, but merely responded how can I help you ... the representative then requested a date of birth, and my mother inquired who's and the response was for XXXX 's which of course my mother knew, and at that point the representative preceded with the debit details and pressuring for payment. The concerns is that my mother is a senior, fixed income and many personal medical issues and felt pressured to make restitution of this debt for me, but really does not have the means to do so ... .She told the representative that she would need to look at her budget and call back. At that time my mother called me in tears and upset and I was angry that they placed the pressure on my mother. I feel as though the pressure to collect and the lack of identity verification violates the regulations to protect the consumer and the consumers privacy. I followed up to obtain details of the debt be mailed to my home, so I may review and take the time to look at my budget and work to make restitution. I am sure there are recording of the exchange with the debt collector and would like them investigated for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

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

15 USC 1681 SECTION 604 A 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 plan as late for purpose.

Company response to consumer: Closed with explanation