BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
ok now proof of my written authority with my consent to prove that the company is not violating my constitutional rights. these are the laws that protect my rights below since the company is telling me what ever inquiries they have what so ever... they have my written permission to put it up for two years ... by law if they can not provide information which i know i didn't consent to i am ready to get a lawyer and 15 u.s.c 1681 section 602 A. XXXX  : XXXXXXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX text15 U.S. Code 1681c - Requirements relating to information contained in ... states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... A person shall not furnish any information relating to a 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 2022-11-03
Company: Experian Information Solutions Inc.
State: NY
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.

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 explanation
Consumer complaint received 2023-07-16
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I finished the requirement on XX/XX/15, and should earn XXXX AA miles. Chatted with citi agent and got confirmed. However, miles should have posted XX/XX/15 for me but did not. Called Citi and got the run around of what their terms are. Eventually was told that they created a ticket. I received a response as another poster below that the fulfillment is done systematically and would be paid out 90 + 30 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 2023-07-15
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: Account information incorrect

Complaint:
credit account company reports that I didn't pay a balance of a credit card in 2016 when I was only XXXX XXXX XXXX XXXX. account information is not accurate and to my understanding people under XXXX are not even able to pull credit cards out.

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 2023-07-16
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I dispute so manny times, XXXX doesnt listen to me keep saying yhe document that I sent is unrelated XXXX XXXX XXXX XXXX XXXX work with XXXX XXXX XXXX is same company they keep saying is unrelated, the documet that I sent has same date, same hour, same year.. I paid this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 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 explanation
Consumer complaint received 2023-07-16
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Reliable Credit Association, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Again, this is my XXXX attempt to figure out what is going on and how is such obvious misconduct by these individuals who work for this corporation are continued efforts to harras and illegally collect on a default Judgement. 
XX/XX/XXXX their license fees had been paid but I question that after Washington state new laws that went into affect XXXX of XXXX, where they properly licensed to collect debts in XXXX  XXXX by XX/XX/XXXX, when they filed a civil action against myself? 

XX/XX/XXXX XXXX XXXX withdrew his foreign registration to do business in XXXX  XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX has been intentionally altering my credit report to reflex negatively when I dispute an account. I have sent an identity theft report, a police report and several disputes. XXXX has violated my FCRA rights as a consumer several times. I have sent several demand letter and they have refused to correct my credit report. A fraudulent credit card by XXXX XXXX XXXX XXXX was placed on my credit after gaining access to my file after XXXX and mixed my credit file with someones elses. I called the creditor to explain the situation and close the account. After the account closure I began seeing several late payments pop up and the reporting data is inaccurate and suspicious because that information isnt being reported on other credit reports. These are malicious acts from XXXX. I started to notice I would get emails from XXXX stating I needed to send more documentation but I had already sent those forms or if sent a police report the email would state they need the full report which it was. The last time I contacted XXXX I asked when will my dispute be completed they informed that day was day 1. Then I asked about why do I keep getting emails about uploading documents I already sent to the customer service person informed that every time I upload documentation my dispute starts over. So I realize it was a tactic XXXX is using. XXXX has refused to remove the inaccuracies, I requested proof of debt which they cant provide, there actions are malicious and intentionally. They just reported the account as 90 days late but it they also reported the account 30 days late 3 times, then 60 days then 90 days. It changed from 30 day, 60 days to what being reported now. I have informed XXXX that if they continued these tactics I would seek monetary damages in XXXX court. I included my XXXX report to show that it was reported by XXXX XXXX that my financial responsibility has been terminated and there is no longer a balance. I also forwarded that information to XXXX and they still continue to report inaccuracies on my credit report. 

Im addition Transunion has failed to even dispute my claims. They were sent certified dispute at the same time as XXXX. Transunion doesnt allow me access to my credit report directly through there site. I also attached proof of certified mail regarding my dispute which included a detailed dispute a copy of my Drivers License, SS card and police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I scheduled a transfer of {$2000.00} ( online, via the Capital One website ) from my Capital One 360 online savings account into my linked personal checking account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It posted on XX/XX/2023 and the amount was deducted from my Capital One 360 savings account. It said 1-3 business days for funds to be available. No funds have shown up in my XXXX XXXX checking account. On XX/XX/2023, I called XXXX and they can find no evidence of the funds anywhere and stated it was an issue on Capital One 's side. ( They also stated this is a " pervasive problem '' with Capital One. ) So I contacted Capital One the same day. I first spoke with XXXX, who blamed my credit union and then transferred me to XXXX. My understanding is that XXXX filed a dispute claim ( but she kept putting me on hold as there seemed to be some problem with the system- the call lasted XXXX minutes ). She stated that the claim number and status updates would be sent to me via email, and a resolution should be forthcoming within 45 days. It is now 3 days later and I have not received any claim number or any acknowledgment of my complaint/issue ( though they did send me a survey, so they clearly have the correct email address ). This is a nightmare scenario where both companies blame the other and I am out the {$2000.00} with no written acknowledgment or confidence in the system handling the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: ProCollect, 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:
Kept getting calls from collections about charges ive never made, and its hurting my ability to get established credit. According to 15 U.S.C 1681 damages to my report is a defamation to character.

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 2023-07-16
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:
XXXX XXXX has reported to all 3 bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.

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 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1. I am a totally XXXX person and I use a screen reader program installed on my computer, which allows me to interact with my computer. Screen reader programs are not only used by persons with visual impairments, but also Screen reader software is used by persons with reading XXXX, such as XXXX. Also, I am an XXXX XXXX, who specializes in assistive technologies for persons with visual impairments. I am intimately familiar with how various technologies interact, in order to ensure that persons with XXXX have equal access to information. 
2. The monthly bank statements are available to download from the banks website. The statements are in PDF format and I have been able to read the statements using XXXX XXXX XXXX software, which works with my screen reader. I have been able to read these monthly statements since XXXX and I save all of the statements on my computer, for reference purposes. 
3. As of the XX/XX/XXXX statement, I am no longer able to read the PDF statement using XXXX XXXX and my screen reader software. Something has changed with regard to the production of the monthly PDF statement, which has made it inaccessible to persons using screen reader software. 
4. Prior to contacting customer service, I performed extensive testing using XXXX different screen readers ( XXXX and XXXX ), on XXXX different computers, using XXXX different versions of XXXX XXXX. I wanted to make sure that there was not a problem on my end that was causing the issue. All tests had the same outcomeI was not able to read the PDF statement. 
5. I contacted the bank on XX/XX/XXXX and spoke with a customer service manager ( XXXXemployee # XXXX ). I described my issue to him. He was not even aware that some people must use a screen reader, due to XXXX. He was sympathetic to my problem and opened a ticket, which he sent to the XXXX  department. 
6. I received an email response from XXXX ( email attached ). He indicated that no changes had been made to the statements and that the problem was on my end. He stated that I should try using a screen reader, such as XXXX or XXXX or maybe a different browser. The browser that is used to download the PDF file makes no difference. 
7. I responded to XXXX ( email attached ). As of XX/XX/XXXX, I have received no further response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: OneMain Finance Corporation
State: LA
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 didnt apply for credit for a car loan with any of these companies or give anyone my permission to run my credit as a hard inquiry. XXXX  XXXX on XX/XX/23, Onemain XX/XX/23 and XXXX XXXX on XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: LEXISNEXIS
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:
There is fraudulent information being reported and sold to credit agencies by LexisNexis. This information has been added to my identity theft report filed with the FTC. Please see attached documents for personal statement along with other documents for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Kikoff Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
With XXXX XXXX i contacted them for months and gave them the tracking number of the returned cell phone they confirm that they had the phone in their warehouse but have not scanned it in yet but now charging me for it and making negative collection 's on my credit report. 

XXXX has an open collection on my credit report for a account open back in XXXXand I did not have a account with XXXX they can not provide me with the contract I signed. 

Kikoff has been opening accounts in my name and reporting it to the credit report agencies that is not mine i have disputed this multiple times and they cancelled it and open another one after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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:
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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: NCB Management Services 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 Account, 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 response to consumer: Closed with explanation