BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction 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 conviction of crimes which indicates 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 know 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 2018-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One responded to my complaint # XXXX with the CFPB by stating that I was not " guaranteed '' an increase in credit line by manually applying. The conversations are recorded and I would challenge Capital One to produce that phone call because it can clearly be interpreted the way I am stating. They also state that someone explained the credit steps program, this is also a flat out lie. It was only explained after I asked for a Manager, then I gladly accepted it after he could actually do his job and explain his companies policies. I will not be called a liar by Capital One, if they have the conversations recorded which they do then they need to be heard by a third party. Obviously Capital One likes to interpret them as they see fit. I would like this reported to the SEC and FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: AR
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:
Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT CAR MART WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO 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 2022-05-26
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX XXXX XXXX ( webbank company ) was paid in full and I requested that the account respectfully be closed as " paid in full, closed at consumers request ). I fought back and forth with petal in updating my balance and closing my account. I ended up mailing correspondence to transunion credit bureau with my last petal statement, proof of payment, and a paid in full letter from petal. Transunion reached out to petal to confirm if my documents where all accurate. Petal card reported to transunion that the account for XXXX XXXX had not been paid in full and was still open, violating the FCRA

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 2023-09-12
Company: HW Holding, Inc
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A company is making me pay money for things I didn't do and I believe its because I'm XXXX I was leasing out a property I decided to break my lease I left like they wanted me to but they are making me pay for damages I didn't do I was being Harrass through messages and calls to leave the property before even seeing the judge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 around XXXX or XXXX XXXX  I noticed that there was an inquiry on my credit report showing for both XXXX XXXX and Equifax so initially the next morning I called XXXX XXXX and Equifax and I told them that this inquiry was not authorized by me, and therefore should be removed I was then instructed that I need to contact XXXX  XXXX so thats what I did. I contacted XXXX XXXX and XXXX XXXX said XXXX we have no records of any inquiries that were placed on your credit. Therefore we cant send a letter to XXXX XXXX and Equifax disputing this because theres nothing on file saying that you apply for credit I then contacted Equifax and XXXX XXXX once again on that same call and had the XXXX  XXXX representative explain what was going on however, I received no help. I only received the runaround. I was hung up on me and the XXXX  XXXX agent, and at the end of everything I was told that the XXXX  XXXX agent had to get off of the phone because they cant do conferences at XXXX. I spoke with a XXXX XXXX from XXXX, who instructed me that the only way the inquiry could be removed, was from a letter which XXXX XXXX could not provide so now I am contacting the CFPB to get this inquiry removed from both my credit consumer reports because it is fraudulent and it was an authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am a victim of identity theft, and I made sure these companies were aware of some accounts that I did not open nor give anyone else permission to open. When I opened the dispute, these companies investigated and claim that the information was verified. How is this information verified when I am telling them that I DID NOT authorize it nor was I aware of these accounts being reported on my credit report. I need them removed. I also have filed a police report and with the ftc. I have attached my recently filed police report and my federal trade commission report, and also the accounts that need to be removed from 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 non-monetary relief
Consumer complaint received 2021-03-09
Company: Southern Management Systems Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I made contact with Southern Management Systems, out of XXXX, Florida so that I could finally start making payment arrangements with the company to start paying off this debt. This debt was put onto my credit 6 months, after being forced to break my lease with my prior apartment complex due to Job Loss and being unemployed for quite some time. I spoke to XXXX at extension XXXX and explained my situation, and updated him on the changes and advised that we were now in a position to start making payments in small increments every other week or every week, working around other bills. He then asked me if I was able to make the half of the balance payment in order to negotiate for a smaller balance. I told him that right now, that was not possible and that we needed to take things slow. He understood. He then advised me that I could go ahead and just start mailing in payments as I saw fit every week. I told him that I would not mail in money orders, because money orders tend to get stolen and it takes weeks to get it back. I then told him that I needed to make my payments online, and he said that was fine. Since XX/XX/XXXX, I have made 8 other calls to try and make payments on their sms-collects.com website, which goes through a 3rd party, with no success. It keeps telling me to verify my account number and pin number and try again. Since XX/XX/XXXX, I have been in constant contact with XXXX at XXXX XXXX and he's told me that they don't know why I am getting that error and said they checked with their clerical department who also could not tell me why I was getting that error. The last call I made to XXXX was on XX/XX/XXXX, and I left a voicemail stating my frustration and that I really needed some help on this. I told them I want to pay them. I have not received a call back since and today is XX/XX/XXXX. So, Since I have made a total of 9 calls and can't get an answer back on this, I would like to file a complaint, because it seems like they do not want to help someone who is willing to pay on their debt and if they can not even return phone calls or fix their website, then I am not willing to possibly sacrifice XXXX XXXX dollars in money orders, in the mail for it to possibly get stolen. This company has been in business since XXXX!!! It is unbelievable to me that they can not accept payments over the phone or give their debtors a reliable website to make their payments on, when everything is done for the most part, electronically now. So either they fix their website, or take a payment from me over the phone, Or, I am not paying this debt AND they need to remove it completely across all 3 of my credit reports, IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent out a letter in XXXX and also called the company, To remove information that was not mine, nor did i want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, i have the right to privacy. Also according to 15 USC 6802, No financial institution is not allowed to share my information with third party people These are clear violations of my federally protected consumer rights

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 2022-01-16
Company: Experian Information Solutions Inc.
State: GA
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:
on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account  # XXXX, XXXX XXXX XXXX account # XXXXXXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states 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 non-monetary relief
Consumer complaint received 2022-01-16
Company: LD Holdings Group, LLC
State: GA
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:
on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies loanDepot and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX and I am a victim of identity theft please remove this fraud inquiry from my credit report. I don't want any security freeze nor fraud alert yet but once I do I will let you all know.

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 2022-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX Capital One Bank XXXX Checking Account was frozen due to XXXX funds being deposited, the bank requested XXXX tax returns and bank statements showing the tax refund being deposited. As well as an official form From the XXXX stating that the loan funds were paid back in full and the loan is now closed out. I filed a complaint before on this matter Capital One was supposed to return the funds to the lender and close the account, its been almost 8 months and the bank is still holding the money and wont release it to ether the lender or to my self. There is no longer an active loan due to the pay off in full and its been 8 months and the law states the bank needs to return the fund from the account in a reasonable amount of time. 8 months is NOT REASONABLE IN ANY SITUATION. 
I want my funds and the account to be closed there is no reason why it should take 8 months to return funds and close an account. The amount the bank is holding from me is {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XXXX Binance.us a XXXX company operated by Bam Trading Services , ( BAM ) froze my account due to " risk management ''. 
XXXX XXXX I opened a request ticket # XXXX asking them to please reopen my account.Along with the request I sent a picture of myself with I.D . and a hand written note with the date and request, also a video of me asking for the request, to help comply with ( KYC ) Know your Customer and ( AML ) anti money laundering procedures. 
I am recently retired and had at that time, {$95000.00} in the account. 
I did not receive any correspondence from them during XXXX and XXXX of XXXX. XX/XX/XXXX I opened another ticket # XXXX and asked for help again. I have reached out to their customer service many times on XXXX and XXXX and have only received responses from bots saying they will look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: GA
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 do not have a contract with XXXX XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Continental Finance Company, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I got an update about a change on my credit report from my XXXXXXXX XXXX on XX/XX/2021 about an Installment loan or New bank account inquiry for Continental FinanceXXXX and I dont recognize the inquiry nor did I give consent for this inquiry to take place.

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 2022-01-16
Company: FirstPoint Collection Resources
State: NC
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:
FirstPoint Collection Resources has failed to Delete the account reporting inaccurate and invalid debt information and balances on my XXXX credit report. I have not done any business with this company. This company is not the original creditor and this company does not have a contract bearing my signature. I do not owe FirstPoint Collection Resources. I have requested permanent deletion via numerous letters sent to FirstPoint Collection Resources and I feel that my rights are being ignored and I am being taken advantage of because I have never had a contract with this company and the data reporting is not correct.

Company response to consumer: Closed with explanation