BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: HI
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:
Hi, I am personally reaching out to you that there are inaccurate filings on my credit report. In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Names, and Account # 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 XXXXXXXX All these account have violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 even years.

15 U.S.c. 1681s2 ( 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 informations inaccurate.

This inaccurate information is preventing me from the ability to attaining new credit cards, or a car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: GA
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:
two XXXX  XXXX Bankruptcies were added to my credit report the first on XX/XX/2022 the second on XX/XX/2022. These were later identified by XXXX XXXX and XXXX as not mine. I also have disputed XXXX fraudulent accounts with THE XXXX XXXX, and XXXX. The balance for XXXX XXXX {$1600.00}. The balance for THE XXXX XXXX IS {$17000.00}. I have filed police reports and FTC fraud affidavits. I have also supplied all bureaus with documentation from data furnishers stating that these public records do not belong to me.

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 2021-11-25
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX a federally protected consumer pursuant to 15 USC 1681a. I have the right to dispute and get alleged debt and all information removed from the consumer report file. I demand these accounts be remove they are fraud and I do not authorize nor consent to them being furnish on my consumer report from anyone other than me the consumer pursuant to 15 USC 1681b permissible purpose has to be given to anyone who wishes to furnish any information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, i have purchased an existing business where we needed new equipment, we applied for equipment loan we got approved for XXXX but we only purchased for XXXX, the company who leased and or financed the equipment they drafted a lease based on XXXX but we never completed the purchase of equipment equivalent to XXXX but only for XXXX since then we asked them to revise the lease and correct and amend they never did today they tell us that my loan is XXXX and i signed the lease for that amount they did not revise amend from day one we start getting threats, harassments non stop calls, i can't seem to get these fraudulent act resolved and when i researched about them seems like almost every customer is facing the same fraudulent 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 explanation
Consumer complaint received 2022-06-30
Company: VW Credit
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:
Volkswagen Credit and Audi Financial Services are reporting incorrect information on my XXXX Credit Report. The account went into 90 Days past due in XXXX and they are incorrectly reporting this information for XXXX. This account was also sent to the IRS as a bad debt and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2020 I was " accidentally '' informed by Visa XXXX Supervisor ( id # XXXX ) and WellsFargo bank rep, that Visa has a Merchant product ( Visa Account Updater ) when I questioned a charge on my account that should not have been processed because the Merchant did not have my new credit card number. 
The Merchants financial institution ( bank ) has the ability to gain access to card holders new card information without Visa notifying, verify, confirming or getting authorization from the card holder ( consumer ) that new card information can be provided to the Merchant. 
Not only does this violate the card holders privacy rights and leave them susceptible to fraudulent activity ( loss of funds ) in the consumers bank account, identity theft and possible assault due to Visa blatant neglect to involve & /or notify the consumer in this process. If the government ( IRS ) is required to notify persons of any withdrawals, whether forced or agreed, Visa and financial entities  should not be allowed to violate a consumers protection by creating a Merchant tool & using it without consumer knowledge provided. Credit card companies and financial institutions to be required to make this merchant tool & process information clearly identified upon inquiring/set up of reoccurring or credit card payments instead of purposefully being vague in a disclaimer and or privacy statement regarding the sharing of consumer information. 
By not clearly informing the consumer it takes away the right to choose payment options ( check, credit card phone ) that may better protect their identity and account fraud activity. Also Wells Fargo, Visa, nor the Merchant that request this information, have this tool and the process the financial institution perform on their site as consumer information/awareness and it is not on privacy policy statements regarding how this information is shared. This tool/product clearly contradicts a portion of Visa privacy information which in turn violated my privacy rights and the ability to protect and sharing my information without my consent.

I feel extremely violated and disregarding as a consumer.

Visa- For security reasons and to prevent unauthorized disclosure of personal information, cardholders should contact their payment card issuers to access their Card Transaction Data. This helps ensure that access to the information is only provided to the authorized individuals, subject to the issuers verification processes

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 2020-01-18
Company: Arcadia Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called repeated number of times from Arcadia Recovery Bureau and they kept asking me to pay this medical debt. Upon their insistence, I gave up my social security number but did not pay the medical debt as I requested a letter in the mail before the payment. Now after further research, it looks like an illegitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 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 consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.

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 2022-09-21
Company: EQUIFAX, INC.
State: TN
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 guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 1st progress # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXr # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates.

without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have repeatedly asked XXXX, trans union and XXXX, to report accurate information regarding this XXXX account and they keep saying the information is verified in compliance, when the consumer law states they have to report 100 % accurate information but there's obviously not a human looking at my dispute. 

PLEASE SEE THE ATTACHED DOCUMENT

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 2021-03-23
Company: AFNI INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... AFNI ( Original Creditor : 11 XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Collection Bureau of America Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 a pair of clippers from Walmart using the Walmart credit card by Capital One. This was last XXXX. I never received the item. Walmart sold the clippers through a third party which was not clearly stated at the time of purchase. I have not received the purchase. The merchant is unresponsive to my requests. Capital One initially provided me a credit from a dispute and on XX/XX/XXXX reversed the credit without explanation. I have attempted to contact the card issuer on multiple occasions and have been met with up to two hours of wait time. This is simply unacceptable. I want my purchase or the credit to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank closed the account, i asked for a check and the executive office, XXXX said that if i go to the XXXX branch I could notorize an endemnity form and get a new check but when I went they said they could not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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: Reporting company used your report improperly

Complaint:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these 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 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I have filed a dispute for an airline ticket purhcase. The airline cancelled all international flights, including my flight due to war in XXXX. The airline did not issue a refund to me for the purchase. The airline did not send me a cancellation of the flight - instead they posted on their website that " all international flights have been cancelled as of XX/XX/XXXX '' ( see attached docs ). Capital One and I got on a conference call wit XXXX rep who confirmed that the flight has indeed been cancelled. 
Capital One, my card issuer, denied my dispute for a refund due without providing a written expalnation of the reason for denial. While on the phone with the reps I have been given the following reasons : - dispute right is not available to me ; - I filed the dispute a day too early ( while submitting the dispute on XX/XX/XXXX Capital One rep assured me it was okay ) ; - I selected incorrect reason for dispute ; - I did not produce sufficient documentation ( that is after submitting 21 pages of proof - see attached file ) I do not feel that I am being treated fairly by this company after years of being their client. 
Capital One is not able to provide a written explanation as far as the reason for denial of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a victim of identity theft. Please delete or remove this item on my behalf and this is greatly affecting me and my personal life. 

XXXX XXXX XXXX XX/XX/2019 {$11000.00}

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights in the amount of {$1700.00}. 

15 U.S.C 1681 section 602 A ; Stated I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also stated a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Creditor Contact Details XXXX/PAYPALCREDIT XXXX XXXX XXXX XXXX, MD XXXX XXXX Not sure what this is! Expecting fraud and will like to dispute anything from this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my right. 
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.

Company response to consumer: Closed with explanation