BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
15 U.S. Code 1681 ( 2 ) " the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or

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 2023-05-18
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 am sending this request that the account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$3000.00}

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 2023-05-18
Company: Experian Information Solutions Inc.
State: TN
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}. 

This complaint is my follow-up to give you an ultimatum to fix the listed accounts in my file

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 2023-05-18
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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  : XXXX, XXXX XXXX : XXXX, 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

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 2023-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/22 Balance {$750.00}

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 2023-06-21
Company: EQUIFAX, INC.
State: NJ
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.

The letters are stated with items and issues.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One Quicksilver Card was issued with a limit of {$1000.00}. Deeming this insufficient for use, I have asked twice to have the limit raised. XXXX other cards in my wallet have limits ranging from {$9500.00} to {$15000.00}. 

What really offends me is that after I told them I can not use the card with such a low limit, I was rejected in my application for a higher limit, for the reason of " monthly spend has been too low ''. 

And the rejection letter ( attached ) claims to share additional information about the rejection, but does no such thing. 

I have sent Capital One a letter making this request for a third time, and have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a synchrony bank card for Care credit. My monthly payments are due the XXXX of every month. 
I paid {$170.00} for my XX/XX/XXXX for the XX/XX/XXXX due date ( amount due was {$30.00} ). I then paid {$50.00} on XX/XX/XXXX for my XX/XX/XXXX payment ( {$30.00} due ). 
I reviews mt on line account and it showed me past due for XX/XX/XXXX and I Was charged a late fee if {$30.00}. I called Synchrony bank and was told both payments were applied to my XXXX bill That was due XX/XX/XXXX. I informed them that the payment was mis-applied. They applied the {$50.00} payment to a already satisfied due Cycle then penalized me for paying earlier by charging me a late payment of {$30.00} for paying before my XX/XX/XXXX due date. 
I feel it unfair business practices and hurts consumers that pay their financial obligations early.

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 2023-06-21
Company: EQUIFAX, INC.
State: TX
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:
My XXXX credit account shows incorrect information listed. This ACCOUNT is PAID in full. please REMOVE this account from my CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: IL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-06
Company: U.S. BANCORP
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:
US BANK Credit Card closed XXXX of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over XXXX years of credit history, NEVER late on any payments, no XXXX.Maintained perfect XXXX cs for XXXX year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my credit score dropped by XXXX points due to that. XXXX points because US bank auto-closed my account ( not me ). 
Please help to restore my excellent XXXX credit score as this is unfair. Thank you!

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 2023-06-21
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 they violated my rights. 
Please delete the following items : 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 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
Consumer complaint received 2023-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 filed a dispute with Capital One, I called them over 30 times, I have emailed over 50 times, this isn't an exaggeration, they all give me the run around and they assure me a dispute was filed but there is never a resolution. 
The card hasn't been used by me since early 2022 and they requested that I notify them of the last charges on my statements that I recognize doing and I did exactly that and no result has come of it besides spam emails and no responses to my emails or calls to the direct line given to me originally, I have left voicemails and when I get through to people they just transfer me around until I get told I will receive an email or callback with an update. 
I have XXXX screenshots of emails sent with no response, calls made to them, and fax confirmations of paperwork I have sent over a a long period of months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-09-27
Company: Synovus Bank
State: CA
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:
I am a victim of identity theft and Synovus/First Digital is reporting a fraudulent account on my XXXX credit file. I have not applied for any account with Synovus/First Digital, nor have I given consent for my personal information to be used to apply for any account. Ive made a written request for Synovus/First Digital to provide ALL information pertaining to this account including but not limited to Account applications made on paper, online, or by telephone. ( IP Addresses If applied for online ), Account Statements or Invoices, Records of payment or charge slips, Delivery addresses associated with the account Records of phone numbers used to activate or access the account, Signatures on applications and accounts, List of all purchases, dates, times, and locations, and the full Investigators report on this account. No information has been provided. This account is fraudulent and needs to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: DC
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 am writing to exercise my rights under the Fair Credit Reporting Act ( 15 US Code 1681a ( 2 ) ( B ) ) and to bring to your attention the presence of inaccurate information on my credit report. I have recently obtained a copy of my credit report from Equifax and have discovered discrepancies that I believe require immediate attention. 

The inaccuracies in question pertain to the following : - Chargeoff/Collection with late payments up to the current month XX/XX/23 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX , XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
I have no knowledge of this accounts, XXXX XXXX XXXX XXXX ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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:
I had a fraud issue and had a copy of my credit report pulled. After review mistakes were found. Please note under 15 USC 1681b, I never had a communication with XXXX credit card company and had never gave permission placing disclosing on my credit history.

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