BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Absolute Resolutions Corp.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Violation of Consumer 's Right to Privacy You should be aware that I, the affiant, am a consumer with a right to privacy under Section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without my written express authorization or any valid legal authority, ABSOLUTE RESOLUTIONS CORP. has breached my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an issue with my bank due to a fraud alert on a check I deposited. This alert caused funds to be rejected and payments to be reversed. After spending a half day on the phone and going to the bank I was able to resolve the issue and have the funds cleared. However, because of this I was charged seven {$29.00} returned payments fees for payments less than {$29.00}. I called American Express and explained the situation, but no one wanted to listen or help. If had extra money sitting around this would not be a problem but I can barely make my payment. Can the CFPB please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: OH
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:
Equifax is reporting inAccurate information on my credit profile there are inquires reporting on my consumer report that should not be there because I didnt authorize anybody to pull my credit report. XX/XX/2020 I sent out a dispute later that will be attached concerning the inquiries on my Equifax report I provided Equifax with the name of the companies and the dates that was on the inquires. I kindly asked Equifax could they delete the unauthorized inquiries and provide me with there method of verification if they determined the credit pulls belonged to me they never sent verification I requested if they could not send verification to delete inquires immediately. They responded with an irrelevant response that didnt honor any of my request in my dispute the confirmation # is XXXX is what was sent as a correspondence I will attach documents as well. After I received that I sent another letter on XX/XX/XXXX expressing my concerns about the inquiries requesting that they be removed immediately this is my second attempt to get this matter handled and I will attach the second dispute letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, hereby declare under penalty of perjury that I am the victim of identity theft. In Match, 2023, I discovered that someone had obtained my personal information without my authorization and used it to apply for credit, resulting in the following inquiries on my credit report : I did not initiate or authorize these credit inquiries, and I believe they are the result of fraudulent activity committed by the identity thief. I am submitting this identity theft affidavit to request that the credit reporting agencies remove these inquiries from my credit report, as they are not a true reflection of my credit history. 

Additionally, I am disputing negative marks regarding open credit accounts that were reported on my credit report by XXXX, XXXX, and XXXX. I believe that this information should not have been included on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ).

As you are aware, this provision excludes from the definition of a consumer report any report that contains information solely as to transactions or experiences between the consumer and the person making the report. In my case, the negative mark that was reported relates solely to a transaction or experience between me and the creditor, and therefore should not have been included on my credit report. 

With the exception of XXXX XXXX XXXX, which should be deleted in its entirety due to identity theft, I also want to bring to your attention that the balances being reported on the other open credit card accounts are in fact, XXXX ( {$0.00} ) and should be marked Paid As Agreed, and are under dispute under the Truth in Lending Act ( TILA ), specifically under 15 U.S. Code 1640 ( a ) ( 1 ) and 12 C.F.R. 1026.38.

Under these provisions, I have the right to dispute any billing errors or unauthorized charges that may have been applied to my account and those accounts should accurately reflect my true account status until the disputes are settled, to the satisfaction of the consumer. I have already initiated the dispute process with the creditor, and have provided all relevant documentation to support my claim. 

Given the facts presented above, I am requesting that you remove the negative mark from my credit report as soon as possible. As the negative mark was included in error, I trust that you will take prompt action to correct this mistake and ensure that it does not happen again in the future.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-08-28
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Suncoast Credit Union did not see anything unusual about a new and unusual {$250.00} charge ( set for monthly renewal ) by XXXX, made on XX/XX/23. The charge was fraudulent and I did catch it myself within XXXX days. I requested and obtained a block on that XXXX card. It took a painful 2-1/2 weeks to receive a new card! The very first charge of only {$9.00} was for a subscription renewal ... nothing whatsoever suspicious about a small, always renewed monthly charge by XXXX XXXX made on XX/XX/23 AND THIS CREDIT UNION HAS BLOCKED A CARD THAT TOOK 2-1/2 WEEKS TO OBTAIN! I refuse to jump through the hoops AGAIN to see what horrors this credit union has in store for me next. It does not deserve to be licensed to handle my financial affairs in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: ALLY FINANCIAL 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:
My Social Security was ringing without my cas and I would like to report these XXXX XXXX increase thats on my account that I didnt know anything about, I reached out an your customer service will not help me take care of the negative inquiries reporting to my credit. 

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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Sensible XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I would please like for these XXXX hard inquiries to be removed please.

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 2020-08-01
Company: SUNCOAST CREDIT UNION
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:
I am a victim of identity theft and fraud. I am not responsible for a suncoast credit union account nor a XXXX account and the account is fraudulent. Suncoast credit union, XXXX and XXXX, XXXX and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in XXXX hours I will take legal action. Its been over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: LEXISNEXIS
State: SC
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:
Public Records - Bankruptcy XX/XX/XXXXsent letter to LexisNexis XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed an identity theft report and provided all documents needed to submit a complaint and have an investigation done correctly. i received a notice that my case was closed without receiving any results from the investigation. I am extremely disappointed and starting to feel symptoms of XXXX. The items are still on my credit report illegally by law you should remove any accounts under investigation and they were not removed at any point.

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 2023-08-03
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXBalance Owed : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a vehicle from XXXX XXXX back in XXXX of XXXX for the amount of XXXX. 2 years later and the amount I own on the vehicle is still at XXXX Back in XXXXXXXX XXXX XXXX sales was bought out by Westlake profile.. What happen to all the money i put into the vehicle before Westlake took over..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XXXX XXXX XXXX changed authorization payment date that was in the system already from XX/XX/2023 to XX/XX/2023. Told apartment manager I was making the payment originally XX/XX/2023 and apartment manager kept telling me I have to make the payment date on XX/XX/2023 to avoid eviction even though the paper she given me said XX/XX/2023 XXXX XXXX. The payment that was pre authorized to come out on that date processed in their system on XX/XX/2023 and posted on XX/XX/2023. Spoke with corporate and they said they have no way of going in to change the payment authorization dates. This has happened twice and only times when management or leasing office has called me about certain dates to make the payment. No other issues with other months other than XXXX and a few months ago. No solution was given. XXXX from corporate kept saying that their processing system can process authorization days prior before even though it does not do that any other time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2018, I moved out of The XXXX at XXXX XXXX apartment complex ; giving plenty of notice of my intent to move. Management company charged for an additional month of rent, in addition to keeping my security deposit and failing to give a move out ledger of alleged expenses. I never received communication from the management company, only from the debt collector who put an amount of money I do not owe, on my credit report. That amount was XXXX. It is now XXXX. I attempted to resolve the issue by contacting the debt collector and they were unwilling to remove the negative mark from my credit report. IQ Data International, has also increased the debt owed by percentages not agreed by me, without written notice and continues to report the increases to the credit bureaus. 

The management company, XXXX owned the property when I submitted my notice of intent to move, I kept in close contact with management personnel informing them of my progress in moving. I had a good verification of rent letter, stating that I was not behind on my rent, never late and moving out on XX/XX/2018. Management changed over to XXXX XXXX and they refused to honor the notice of intent to move out. As per my lease, I never received a reminder to renew so I was only suppose to give a 30 day notice ; I gave notice in XXXX. Regional manager, XXXX XXXX stated he was in receipt of my notice to move from XX/XX/2018 ; per our XX/XX/2018 email communication. I moved from the property XX/XX/2018 and turned in the keys on XX/XX/2018. The property is charging me for XXXX rent that I do not owe. 

I will submit email conversations with the previous property manager, XXXX XXXX, stating that I only wish to renew my lease for five months beginning XX/XX/2018 to end XX/XX/2018. I will also submit email communication of Regional manager, XXXX XXXX, using bullying tactics to threaten negative impact to my " rental and credit history '' and also implying that he already had intentions to apply my security deposit to any balances owed. I will also submit my notice, my verification of rent, my key turn in sheet with my forwarding address and a statement of facts. All of which was submitted to the collection company along with a letter to cease collection actions. Nothing has worked so far and these companies are illegally trying to XXXX  XXXX  me into paying something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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'm writing this complaint and there is no third party involved. This company Equifax is very deceptive and unfair, they keep ignoring the situation based on the istrunction I'm giving them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) 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. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me and send me the same document asking for Proof of Identity. I sent them my SSC, my Florida ID, and a bill with my current address and they keep coming out with the same excuse that they need to verify my identity, ( document they sent attached ) They already sent it to me 3 times. later on I found out that Equifax like to use that technique to ignore the letter consumers send. This is my privacy and I take very serious and if Equifax wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. Equifax broke the law and they keep doing thing with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW eQUIFAX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how Equifax often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. I don't want the same thing happen to me. I need Equifax to take responsibility and stop sending me the same document avoiding everything IM asking for ... Im attaching all the copies that I have sent to equifax, attached with my social security card, ID and proof of Address.XXXX Lets see what will be the excuse this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: VA
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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :

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