BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 or 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 2023-10-16
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Attention : Lending Team for Apple/Goldman Sachs credit card XXXX XXXX XXXX I applied for a credit card on XX/XX/2023 and got denied. 
Regardless of the reason for being denied, I have the right to credit. 
Withholding my access to my securities is securities fraud. 
You are violating the equal credit opportunity act and consumer protection act. 
Since you are denying me my credit, please retract my application. 

This is a direct violation of my rights as a consumer. 

15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 

15 USC 1691 ( 3 ) I exercised my right to credit. 

15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me? 

15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me. 

15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card. 

15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit. 

15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction. 

15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. 


XXXX, XXXX XXXX attorney in fact for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time

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 2018-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My wife & I both became victims of identity theft in XX/XX/2018. A person or persons cancelled our Capital One credit cards without our knowledge. They requested new credit cards in our names & had them sent to XXXX, Fl. We live in Ohio. In just a few weeks they fraudulently charged several thousand dollars & at this time these new cards have a balance of {$6500.00}. I have tried repeatedly to get this problem resolved but with no success. My latest communication from Capital One 's Executive Offices was mailed to me on XX/XX/2018 & only asked me to identify myself. I replied to XXXX XXXX but haven't gotten any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX, I complained to the FCC about XXXX withholding a refund. I won the complaint and XXXX refunded {$270.00} on a Citibank debit card ( although I wanted a refund in the form of a check ). I used the debit card in XX/XX/XXXX, and only {$260.00} was available. When I checked the balance at www.prepaid.citi.com/XXXX, I saw an " account maintenance fee '' was charged for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$3.00} each month for a total of {$9.00}. I know {$9.00} is n't a lot of money, but I want it back because XXXX owed me a refund and they should not be allowed to use a repayment/refund vehicle where the consumer is charged a fee. Also, in reading the law in California, that is not legal.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined 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 filing a legal complaint against you!

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 2020-09-21
Company: Experian Information Solutions Inc.
State: MA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-12-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 a payment transaction was made from my Chase checking account to XXXX XXXX for the amount of {$9000.00}. I do have an account with XXXXXX/XX/XXXXhowever this transaction had nothing to do with any account affiliated with me. I disputed the amount before the transaction went through however Chase said they could not act on it until it went through. Ultimately 2 weeks later they determined that the transaction was not fraudulent based on the fact that I had made prior transactions to XXXX XXXX and even though they were not able to tell if the transaction was made to a completely different account. Their resolution was that I should file a claim with XXXX XXXX which I did however their resolution was that the claim should be made with Chase. I keep getting shuffled between the XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Guglielmo and Associates
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Guglielmo & Associates company sent me a letter in XX/XX/2020 stating that I needed to submit a request for validation within 30 days of receiving the letter. Request for validation of the debt was sent to Guglielmo & Associates and XXXX XXXX on XX/XX/2020 and a response was never received. On XX/XX/2020 a summons was left in my driveway stating that I was being sued by the company and the date that the lawsuit was filed on XX/XX/2020 which was 40 days AFTER my validation request was sent however no response was provided which violates my FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was confirmed with that this account was reported fraudulently and to make a police report, which i did!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the junk debt buyer has illegally accessed my credit report and has failed to provide the validation of debt. The junk debt buyer was given all access to my credit report without permissible purpose. I sent the junk debt buyer validation of debt, certified mail. The Junk debt buyer retaliated by threatening a lawsuit against me, as well as increasing the debt collection calls as well as failing to skiptrace and lookup my phone number on the donotcalllist.gov website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: CBC Companies, Inc.
State: WV
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:
There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status. 

Letter of intent mailed XX/XX/2022 if report is not corrected complaint will be filed under section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On X/XX/17 I filed bankruptcy. XXXX XXXX was sent the bankruptcy paperwork from my lawyer. XXXX still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. XXXX has exceeded the time limit to fix this 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 explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: AL
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 unauthorized inquiries on my credit report in which XXXX, Equifax, and XXXX  have yet to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/21 I received mail from numerous local attorneys attempting to represent me for an action filed with a local judge. The paperwork states that midland credit is sueing me for {$1300.00}. I have disputed this account on my credit report and have no knowledge of this debt. Instead of answering this dispute with written verification, I have been threatened with a lawsuit and the information was received 3rd party. I have not been served and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
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, DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX 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 604 A Section 2 states that a consumer reporting agency can not furnish an 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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2022.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: WA
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 reported that all of my child support has been paid in full and that debt has been satisfied. Experian XXXX and XXXX is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED

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 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent proper documentation to each credit bureau about a bankruptcy reporting that is displaying inaccurate, incomplete information. I sent copies of all 3 credit bureaus side by side showing the inaccuracies. You must have a financial amount paid/owed/discharged on a bankruptcy. You must have the correct date of discharged and correct filing dates and all accounts under the bankruptcy that were discharged and the amounts. The credit bureaus failed show this information. The also must have the correct account number and name of the court. They failed to display accurate and complete information that coincides with each other. I showed them that they are reporting differently on each report and they have still not removed the inaccurate information from my credit profile, which is a direct violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MI
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:
My sister, XXXX XXXX, and I have contacted experience multiple times during the last two months. They are constantly mixing up our information causing my Credit score to dedrease..We are twins and our Social Security numbers are just one digit off. They are putting my information on her report and vice versa. This information is student loans, credit cards, Home addresses Names, etc. my sister knows pretty much all my personal information regarding my debts. This is an identity breach and a breach of security. There are security laws that protect citizens against this, XXXX, are close, but not that close. I am extremely upset that she is aware of how much debt that I have incurred in my life. She had no prior knowledge and did not even know my credit score beforehand. She now knows everything! This is very personal information. What makes matters even worse, is that this is not the first time we have contacted credit bureaus each and everyone of multiple times over the years. 
XXXX has accused me multiple times over the past few years of using her Social Security number. This is causing me so much stress and is driving a wedge between the relationship I have with my sister. 

I typically keep my credit report locked. In XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX denied me Credit because of a fraud alert. They contacted my sister ( instead of me ) to verify that I was applying for Credit. Of course, since she in fact, was not applying for Credit and that I was applying for Credit, she told the customer service reps no and they marked my application as fraud, denying me Credit. 
She did not know that I was applying for a new credit card. One day during casual conversation. She mentioned to me that someone was trying to steal her identity and apply for credit cards in her name. I then mention that I applied for Credit and that it was denied because of fraud. I didnt realize that they contacted her instead of me. 
I contacted the credit card company and explain the situation. After multiple calls and holding on the phone, I was told that I would have to contact the credit bureau, ( Experian ) because that is the number that they had on file for me and that there is nothing that they could do about it. 

When we contacted Experian two weeks ago, she service rep was very rude, condescending and disrespectful. He yelled at and over talked me when we were just calling for an understanding of our accounts. I eventually asked for a supervisor and was told that I will get a call back in 24 hours. No one has called me yet. 
They are beyond unprofessional and only thing that we are asking for is that our accounts be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: GA
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 disputed unauthorized inquiries o n 2 occ asions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was told to reset my 4 digit pin and was told I wouldn't have any more problems. This was friday and Saturday of last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Social Finance, 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:
Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) as well as to Sofi Lending and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.

Company response to consumer: Closed with explanation