BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
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 : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX Bank XXXX XXXX XXXX, Office of the ATTY GEN : # 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 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 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 2022-07-05
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 to the fair rights reporting act : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX have all violated my rights. 

15 U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C. 1681 section 602 A section 2 : 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 2019-03-26
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX put a collection that is not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
For the past 6 months I have tried to have 4 fraudulent accounts removed from my Experian credit report. I have sent them a copy of my police report and my ftc report that was also notarized and nothing has been deleted. I am seeking the assistance of a common law attorney- it has been 6 months. 

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 explanation
Consumer complaint received 2023-01-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXXXXXX XXXX debt collection keeps reopening my acct after closing. The debt collection was from carecredit. I disputed with care credit and disputed with the debt collection. Had receipts my insurance paid for a portion. Provider filed a different claim with different amt than what was charged on my carecredit and its been since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Someone attempted to obtain Credit in my name at Capital One .Capital One check my credit hard inquiries with XXXX XXXX and XXXX I inform Capital One it was fraudulent attempt and it was not me .Capital One then removed the credit inquiries from XXXX XXXX but still remains at XXXX Capital One refuses to help me or remove them at XXXX Capital One ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Account status incorrect

Complaint:
AUTO LOAN : XXXX XXXX XXXX {$9700.00} this account was closed because it past ( 5 yrs 2 mos ) since the date it's opened XX/XX/XXXX Already past the statute of limitation in CA according to the law and consumer 's right 's under the law. now I see this AUTO LOAN Account re opened again after it was closed, that does't make any sense, also violating the consumer 's right 's under the law, I Called transunion credit bureau four times to help me to understand what's going one with this account 's, unfortunately No clear answer was give it to me, My credit score has been damage a lot causing my credit drooped XXXX points down this month XX/XX/XXXX under section : missing monthly payment 's according to My credit report monthly checked online, Please I need cfbf contact transunion credit bureau to investigate and I request from transunion credit bureau to remove this AUTO LOAN : XXXX XXXX XXXX because it doesn't belong to me based on identity theft happened to me before. 
dispute FILE NUMBER : XXXX for My Case in transunion credit bureau.

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 2019-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Fraudulent business practices No available balance after depositing a {$1500.00} check. Stated the funds would not be available for 4 days even with my account only have {$3.00} available balance. This is in an effort to accrue overdraft fees. I ran out of gas on the way to work for my new job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am very disappointed in the credit bureau closing an account that should have been open and never closed. I have been truly embarrassed about this issue while in the store trying to make a purchase. 

My Rooms to go credit card was open in XX/XX/2019. I was not notified that this account was going to be closed. This account has nothing to do with any previous accounts that was reported as fraud. The Rooms to Go account should have stayed open and not closed. 

This was an account that I did apply for, I would like for my account to be reopened. This was an joint account with my father as a the primary owner. I was not notified of this account being closed closed. 

We are very upset with a decision that was made and we were not contacted about the closure of the account.

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 2021-03-01
Company: Paypal Holdings, Inc
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The following transaction on my card on XXXX of XXXX, 2020 is a case of fraud. 
Merchant : Paypal specialtyst XXXX CA Date : XXXX XXXX, 2020 Amount : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: TX
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 with the Fair Credit Reporting act - XXXX and the Acct # 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 So now the problem is date opened date, date active, and date of last payment is not same as other bureaus. 

Delete this account because the date opened date is not the same as other bureaus which is inaccurate : [ EQ date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, EX date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, TU date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Social Finance, Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A complete fabrication of so called " help '' during the Covid-19 Worldwide Pandemic, and taking advantage of their borrowers. SOFI does NOT care if you are in hardship due to Covid-19. Their only concern is to make more money. At first, they offered no help/forbearance at all, but buckled under pressure after Federal Student loans offered help while Private Student loans did not. So they changed their tune to " want to help '' by allowing a 2 month Forbearance, however on the caveat that you would still be accruing interest every day and only get a break on 2 months principle on the back end ( that tells you something right there ). The SOFI reps ( 2 reps, 2 calls ) were very clear that the interest would be paid be paid over the length of the loan. A 3rd rep also had that understanding. XX/XX/XXXX we find out - surprise! Interest payments to be up PAID front over the next 3 months to the tune of an add'l ~ {$1400.00}! And they raid the monthly payment on top of that! They flat out LIED to us. Be cautious. We have been with them for 5 years ( XX/XX/XXXX), with 2 Loans ( Parent & Student ) that started at $ XXXX. They have made a TON of interest ofs of us in those 5 years. We have seen the progression from a Company with XXXX founders, that seemed to really want to help ( Social Financing ) to another greedy large-scale Corporation, making more money off the backs of our youth and future of this Country. XXXX is their cohort, we found that out as we struggled to fight for our rights with them. At the end, they & XXXX do not care to stand by their word, or help their borrowers in need during a worldwide PANDEMIC. They said they may consider that in the future, but for now sorry nothing we can do about it. Yes, that is true. Maybe thats how you pay for a new SOFI XXXX Stadium in LA and for all those commercials on TV. Shame on them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Robinson & Hoover
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I want to make sure something like this doesn't happen to other people. During a time of unemployment or right before I took out a small pay day loan. Because it took me about 6 months to find another job I was unable to pay the pay day loan company timely payments. They sent my account to Robinson, Hoover and XXXX XXXX XXXX XXXX. To date, I have paid {$1300.00} on an account I owed {$400.00}. Mr. XXXX said it was because of " attorneys fees ''. They also tried to go directly into my bank account without authorization and the money was not there either. The last phone call I had with him was today because he sent out the 4th garnishment to my new job and they had planned to take out over {$600.00} out of my next paycheck. When I disputed this with Mr. XXXX he said he would send my employer and updated fax stating I only owed {$300.00} and the account would be paid in full bringing my total expenses for a {$400.00} loan to {$1600.00}. I am not quite sure how they get away with doing this to people but it sure doesn't seem right. I plan on paying the {$300.00} so I do not have to be further humiliated by the tactics of this Attorney 's office. I hope you can find something wrong with this and turn them in for some kind of fraud against poor people such as myself who can not afford to pay off a debt all at once. The more payments I made the more the attorney 's fees stacked up. In total I was charged {$740.00} in attorneys fees. Do you really thing someone I owed {$400.00} to would pay an additional {$740.00} just to get what I had already paid them? I do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this misleading information. I think you have not validated these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}

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 2019-03-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Collection account, XXXX XXXX, is old and needs to be removed. This account was never mine and reported by Experian in violation of Federal laws.

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 2019-08-20
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX.XXXX, XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX-Iowa XXXX, XXXX/XXXX/XXXX and XXXX XXXX/XXXX, XXXX/XXXX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.

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 2022-10-11
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; UTILITY SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; UXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-17
Company: Chime Financial Inc
State: KS
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:
I had two fraudulent charges on my card with chime ( a subsidiary of XXXX ). I filed disputes for both in XXXX of 2021 immediately after they posted to my account. The first was a {$600.00} ATM charge that was never distributed to me by the ATM, but my card was still charged. The second was much smaller at {$57.00} for a XXXX XXXX  in Maryland ( where Ive never been ). I was issued provisional credits for both after a waiting period of 10 business days. The {$57.00} charge was detected as fraud and I received an email saying the provisional credit was permanent, yet it was deducted the same day. I then received an email saying the {$600.00} charge has been reversed and all provisional credits would be taken back by the bank. There is video footage of me at the ATM during both of my attempted withdrawals. The first ( {$600.00} ) is unsuccessful as can be seen in the video footage as well as the receipt i sent to the bank. The second ( {$400.00} ) was completed correctly as can be seen in the video footage and in the receipt I sent in to the bank. Both of these disputes were overturned and the money was taken back, despite both being instances of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report 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 OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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