BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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. 

XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX : # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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: 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 filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have advised debtor this account is not mine and I need it removed from my credit report as soon as possible. At this time I Am looking to buy a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I recently turned XXXX and tried to sign up and find my credit report. Although this has not been very easy. My identity can not be verified by any credit report sight available. I went up to my social security office and I was told to contact the credit site over the phone. None of the calls I made ever made it to a representative instead they were all automated and got me nowhere. I am upset because this has been an ongoing issue since I first got a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Premier Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was taken to XXXX XXXX hospital by XXXX XXXX back in approximately XXXX  I had sXXXX XXXX XXXX many things, I stayed overnight there. I was able to pay the hospital bill off in a timely manner. 
The ambulance bill on the other hand, was sold to Premier Collections whom is consistent with taking money out of my account monthly. I make {$470.00} a month. They have been taking money for years and refuse to give me paperwork showing what Ive paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - XXXX XXXX care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 non-monetary relief
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to Equifax multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LA XXXX XXXX XX/XX/1991 Date:XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX, XXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions. 

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX. I'm a small business owner that uses Merchant accounts to deduct my business on a regular basis with primarily Chase. The name of this business is XXXX XXXX XXXX XXXX. Recently just did a transaction thru my merchant account with Chase in the amount of 6,000 dollars with a loyal business partner of mines. During the normal time it takes to drop a batch in my account normally takes the next day. However, this transaction is DELAYED only because I did not use the Merchant device, instead it was a online transaction but I have proof of the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was told by capital one both my accounts were closed after. Paying both cards off XXXX found out attempting to rent a car. I could not use the card. One of the cards that they stated was closed was used months prior to secure a hotel reservation. Upon finding out the accounts were closed I used a paid debit card exiting the hotel. I do not know how that card was charged. They can check their hotel cameras. I had to use my sons pay pal to secure the car rental that day for my youngest son college trip. I remember this day because I was devastated and shocked I could not use the cards for the car rental because I was not aware my accounts were closed by capital one and I thought I wasnt not going to be able to make the trip with my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I closed an Internet Account with XXXX. They sent me a final statement in XX/XX/2021. In XX/XX/2021 a company called SW credit systems inc went on my credit reports. I didnt receive any notice at all from SW credit systems inc in the mail or by phone. I didnt even know anything about collection yet within a couple of weeks they went on my credit reports. I spoke with XXXX many times and they did have Southwest credit removed from my XXXX  credit report however it is still listed on XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Netspend Corporation
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I XXXX XXXX was notified at XXXX XX/XX/2023 of an Account to Account transfer from : XXXX XXXX to : XXXX XXXX for {$780.00} of which I XXXX did NOT approve! 

Claim # : XXXX Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Applied for a loan refinance on XX/XX/2023. I was denied, without even a chance, because it could not verify my identity when it asked for several identification and was able to find my credit score. Then it reported false information according to my credit report that I had a delinquent account which has been paid and closed. I was not given and recourse, with the online system just a denial, based on generalized reasons. I would like to know why the report is different from my credit report when I have dispute the accounts, and why it said unable to verify identity, when my identity was verified by the online system. It does not make sense, I believe the decision to be unfair and would like recourse and more solid explanation from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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 Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on 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 2021-06-07
Company: Colony Brands, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered merchandise on XX/XX/2021 and about an hour later, I requested to cancel the order until further notice. I got an email " the next Day '', on XXXX the XXXX, 2021 stating that the merchandise had already been " shipped '', but I requested the order be cancelled within 8 hours of the order on Sunday, so there are " no '' shipments on Sundays. I spoke with three people today on phone about the order ( the third one was a supervisor ), and she told me that she would credit my account for the order since I requested it be cancelled the day the order was placed, within 8 hours. Consumers have the right to " cancel orders '', within24 hours, which I did within 6. See attachments of emails correspondence back and forth with Swiss Colony Reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX- charges covered under insurance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I used a credit card with Capital One and when I tried to make a payment on the due date they didnt accept my payment method and they locked my account, Not only that after I missed the due date ( because I was notified the next day that my payment method wasnt accepted ) they charged me {$780.00}! In interest, I tried to talk to capital one to remove it but there is no one to talk to. 

I would like my interest back!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Requested the from the credit bureau transunion on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XXXX XXXX XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute. 

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX  or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was varied as accurate as an update without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.

Company response to consumer: Closed with explanation