BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXXXXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15
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: Overcharged for something you did purchase with the card

Complaint:
Credit card company, Capital One , Inc. allowed its partner, XXXX XXXX XXXX XXXX to steal {$2400.00} from my credit card and {$2100.00} from my adult daughter 's credit card, on separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. XXXX XXXX and Equifax have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  and Equifax have all my the fair credit reporting act. I want all items deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
We been paying our monthly payments and even though I told them if they can put the rest at the back end as ares like most banks do but they wouldnt

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 2023-04-08
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Reference # : XXXX record type : Bankruptcy XXXX  XXXXdischarged Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. And incomplete account # This ground for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: RI
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 U.S.C. 1681 Account Name : XXXXXXXX XXXX XXXX XXXX - Acct # XXXX - {$10000.00} Account Name : XXXX XXXX XXXX - XXXX XXXX XXXX. at XXXX XXXX - Acct # XXXX - {$2800.00} Account Name : XXXX XXXX - Acct # XXXX - {$200.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX - Acct # XXXX - {$120.00} Account Name : XXXX XXXXXXXX - Acct # XXXX - {$700.00} Account Name : XXXX XXXX XXXX  - Acct # XXXX - {$2400.00} Account Name : XXXX XXXX XXXX Acct # XXXX - {$4000.00} 15 U.S.C. 1681 Section 602 ( A ) states, I have a right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 -2 ( 2 ) ( 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 2020-10-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed my mortgage to PHH mortgage services for XXXX on XX/XX/XXXX. It was not posted until the day I called them to see what the matter was. They claimed that they hadn't received it so I paid online with the support person the amount of the mortgage plus a {$46.00} late fee. Today I noticed that they posted my original payment the same day I paid the mortgage and late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
My identity was stolen and these fraudulent account were opened in my name. 
I have reported the identity theft and attched the filing documnets to this complaint. 

XXXX XXXX XXXXXXXX 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 2023-04-08
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX Account NamXXXX XXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Hi my name is XXXX XXXX ( XXXX internet usefname Ive been calling boa since XX/XX/XXXX regarding my frozen account today is XX/XX/XXXX nobody has given me any helpful information

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 2020-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20 around XXXX to XXXX XXXX EST, I visited a branch ATM and deposited {$700.00} in cash. I realized too late that {$700.00} in cash would have been 35 bills and this ATM only accepted 30 bills per deposit. The ATM stated there was an error and my cash could not be returned and to contact Citizens Bank. It printed a receipt from that date stating there was an error and to contact the bank.

I returned home and immediately called Citizens Bank. I was able to get through to someone at around XXXX XX/XX/XXXX to explain the problem. From here, the woman I spoke to put in a claim for me and gave me a claim number. I was told it'd take approximately 10 business days to return the money to me and I didn't need to contact the branch where I used the ATM. 

On XX/XX/20, a {$700.00} deposit appeared in my account and I received a letter stating I had been given a TEMPORARY deposit of {$700.00} while they investigate my claim. I assumed that this would not conclude against me as I was sure I could be seen on camera at the bank and that the ATM would show that it was {$700.00} over, so I did not bother saving this {$700.00} temporary deposit. 

On XX/XX/20 I was issued a letter stating that they had found there had been no errors at the ATM and they would be reversing the temporary deposit of {$700.00} on XX/XX/20. 

On XX/XX/20, the {$700.00} was indeed reversed, and overdrew my bank account by over {$630.00}, to which my account remains as of this day, XX/XX/20, overdrawn. 

I am deeply disturbed by the actions of this bank as I know, for certain, that I was at the ATM that day, deposited {$700.00}, have receipt proof that I was there and received an error from the ATM, and that they can still conclude that nothing happened and have taken {$700.00} from me. I took all of the steps I had to take, provided all of the information I could as accurately as possible, and still Citizens Bank concluded me to be a liar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: SC
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 a total of 15 hard inquiries reported by equifax of the following I do not recognize or gave permission for these companies to pull my credit XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX JXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
Company: FC HoldCo LLC
State: IL
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:
Three inquiries hit my credit report in the past week. I even locked my credit profile on all 3 Credit bureaus and the inquiries still managed to be pulled and put onto my report. This caused a major drop in my XXXX credit score ( over 50 points ). I need these 3 inquiries removed immediately. I have not authorized any such action to be done on my end. These are the three I need removed. These were reported to XXXX  XXXX XXXX XX/XX/2020 FLAGSHIP CRE XX/XX/2020 XXXX/XXXX XX/XX/2020

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: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Phoenix Financial is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX garnished my paychecks in the amount of {$1800.00} starting on XX/XX/2022. The garnishment stopped on XX/XX/2022. I've contacted the company several times about this issue and they told me it would be removed from my credit once it was paid off and pay an additional {$94.00} court fee plus a processing fee of {$4.00}, which was paid on XX/XX/2022. I've asked for confirmation via email and they told me that I would receive confirmation after 30 days. After that 30 days, I didn't receive any confirmation nor was it removed from my credit report. I've contacted Experian on three different occasions to file several disputes on this issue. However, they were all denied, I've tried to submit proof of payment and kept denying me access to upload them. I even mailed the required documents to Experian as well and received the same response. I've even called them stating that I've paid the debt in full and the representative that I've spoken with told me it was denied because of the different account numbers.

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 2022-02-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to dispute several credit accounts on my credit report as fraudulent. But for some reason I have been unsuccessful with being able to dispute those account with this credit bureau. The accounts that I want disputed are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts I want to dispute as fraud. My ID was stolen and I did not give authorization for any of these accounts to be opened. I have attached an FTC Affidavit. Please forward an updated credit report with these account and inquiries moved off of 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 2021-01-24
Company: CAC Financial Corp
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:
CAC FINANIAL CORP ( opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While going over my credit report I noticed two credit card from Capital One Bank as charged off. This is impossible as I have never had any accounts from Capital One Bank. I am disputing these two credit card accounts as fraudulent. The only accounts that I was associated with from Capital one is when I was added as an authorized user but those accounts are closed. These accounts I didn't authorize to be opened please remove them from my credit report as ID Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # 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 XXXX : 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 2020-10-22
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
You can reference the other complaints that have been placed for the history on this, this is not a duplicate complaint. I just received a letter stating that they have credited the account in the amount dispute, that was again a false statement. I have their letter and my ledger showing that. How long do they go they get away with this before you acutally do something??? Then they have no re-debited my account for an amount that was not credited on that day without sending any notice, and i was recharged the same day that the full credit wasnt applied. I suppose i seek legal counsel as they are breaking the law and nothing is being done about it to stop it. i have had one rude guy call me one time. that is it, this is not protection on your end and this is theft on theirs. and it doesn't take ten days to mail a letter and you already deduct the money back before i get the letter of provisional credit?!?! come on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Reference # : XXXX record type : Bankruptcy XXXX  XXXXdischarged Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. And incomplete account # This ground for removal.

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 2021-11-20
Company: Experian Information Solutions Inc.
State: MN
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:
There was never a late payment. The name of the Company is XXXX XXXX XXXX XXXX. The company has numerous of scam issues against them. Yet XXXX, Experian, and XXXX have enable them to falsely report information. Saying that the information is verified without asking for any proof. In fact, I do not owe XXXX XXXX XXXX XXXX anything nor I was late. Please proof that I was 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 explanation