BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was notified through various reporting systems that someone attempted to open several credit cards under my information last night. They each appeared on the Experian reporting. I went to review this on their site, but the individual accessed my Experian account and changed my log-in as well as the e-mail address in my profile used to request a new password. So ... I can not log-in to the Experian site to submit a fraud report. I called into their company and spoke with 3 different people on the topic. I made it VERY clear as to what the problem was. 1. Someone has accessed my personal information and is attempting to open accounts under my name 2. The same person has accessed my Experian account and has modified my log-in so I can no longer recover it. NONE of the people were able to help me. One even told me that my account was locked for XXXX hours and I couldn't do anything until that expired. So that means the CRIMINAL could still access my account but I couldn't!?!?!!? The woman then told me that my profile would be " deleted '' and I would be able to create a new account. Well that did not happen either. It shows that my social security number is tied to a XXXX account... .which is NOT my e-mail. Zero help... very sad process and they do NOT care about your persona information as they say. Also as I was told there was a " freeze '' on my account ... .I just received another notification that someone just did another hard inquiry on my credit!?!?!?! I feel extremely vulnerable and angry that this is the level of assistance I was provided!!!

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 2022-12-02
Company: CORELOGIC INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Demand for proof of payment for property taxes in XX/XX/2022 On XX/XX/2022 I made a payment for my property taxes {$490.00} by my personal check XXXX XXXX According to unnamed " Financials '' coming from unknown to me parties, I was " charged '' for my property taxes again, while nobody provided me any evidence or authority to pay for my property taxes. 

I demand proof of payment for my taxes in XX/XX/2022 ; and the name of the Company who made this payment and name and contact information of its responsible employee ; and the name of Company who authorized this payment and the name and contact information of its responsible employee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a text message from XXXX XXXX about a withdrawal from my acct that was not me for XXXX dollars at a XXXX in some town in California that Ive never even heard of. I clicked the link and put in my information because I was panicking but then once they asked for my social security number I immediately knew it was fraud and called XXXX XXXX to change all my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYER : XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXKS XXXX EXPERIAN NAME XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX, AZ XXXX INQUIRIES : US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX SELF-REPORTED XXXX XXXX XXXX AD XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : AD XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX  XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-01
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX AD XXXXXXXX XXXX XXXX XXXX-KS XXXX XXXX  NAME XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : AD XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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   XXXX   XXXX  Deliberately Robed me  XXXX  Dollars and i cant get verified  two  open a  New  Bank account in 3 years. Now All Credit Card Applications Denied I sent the Credit Burrow  XXXX  homes of ID  XXXX  Times and Usually no response or they Send a Credit report has nothing  two  do with why all Applications are Denied Why Cant i respond two  XXXX  I cant Get a New Bank account in 3 years and the Credit burrow only Respond yo u may ha ve been a victim Of 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 I called XXXX from my cell ending XXXX. Was guided to leave a voicemail. I left a voicemail indicating this debt that is showing in my capital one app of - {$290.00} was discharged in a federal XXXX XXXX  bankruptcy case : XXXX. 
I received a voicemail from an " XXXX '' advising me to call XXXX on XX/XX/2022 at XXXX PST. 

I called back just now and spoke to a rep who was hard to understand. She put me on hold to THE WORST HOLD MUSIC IVE EVER HEARD. BLARING TRUMPET/SAXOPHONES AT VOLUME XXXX. HORRENDOUS HOLD MUSIC. That hold music should be illegal because it makes people hang up so Capital One doesn't have to do their jobs as required by law at this " consumer protection department. '' I called again and received a rep named XXXX. I advised XXXX of my name and what was going on. She asked if I minded being placed on hold, I said I do not want that music again so she can mute me. She said she has no way of preventing the music. I then stated that I do not want to be placed on hold then and if she has a problem with that, transfer me to a supervisor. I NEVER ASKED FOR A SUPERVISOR. She asked if I minded being placed on hold in which I said Yes, I do mind. I do not want to be placed on hold. She then placed me on hold anyways, in which case I hung up. 

Very poor customer service skills, very very very rude to me. No listening skills whatsoever. Why ask a customer if they want to be placed on hold when you'll do it anyways? Why even ask? 

XXXX, terrible company as many agree. Moving forward, the debt showing on my app is NOT OWED. A court could agree that showing that negative balance and seizing any deposits would violate federal law, as the debt was included and WAS XXXX under the above case number. 

Capital One is violating federal law attempting to collect a debt that is not owed and I would like the CFPB to stop them from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Collection Closed {$8200.00} Reported XX/XX/XXXXXXXX XXXX XXXX Collection Closed {$600.00} Reported XX/XX/XXXXXXXX XXXX XXXX  30+ days late Closed {$0.00} Reported XX/XX/XXXX Installment XXXX XXXX On time Closed {$0.00} Reported XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an identity theft issue and have been reporting this to the credit XXXX for about a year now. While reviewing my credit report I noticed a recent pay loan for XXXX on my file with a XXXX recent payment as of XX/XX/XXXX. I have not applied for any loans this is fraudulent. 
I have now had to close my bank, checking, and credit with My Bank. 
This is a copy of it from my credit report. 

XXXX  XXXX XXXX Balance details 3 % paid off Balance {$350.00} Balance updated XX/XX/2023 Original balance {$360.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/2023 Account type Unsecured Payment summary 2023 PAYMENT HISTORY XXXX Status Open/Never late. 
Status updated XX/XX/2023 Original balance XXXX XXXX  Monthly payment {$12.00} Last payment date XX/XX/2023 Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX PERSONAL STATEMENTS XXXX XXXX XXXX XXXXXXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 
Personal loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION EMPLOYER : XXXX XXXX XXXXXXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX-KS XXXXXXXX XXXX  NAME XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX XXXX XXXX XXXX XXXX AD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : AD XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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, the consumer, have discovered several violations done on the part of the financial servicing company XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
Pursuant to federal consumer regulations 15 USC 1681a ( 1 ) a consumer report is one of a written oral report provided by the consumer ( I, the consumer did not provide this information to any of the credit bureaus ) 15 USC 1681a ( 2 ) ( ( A ) ( i ) ( ii ) ( iii ) - prohibits the furnishing of any information pertaining to transactional relationships and communications between the corporations and consumer 15 USC 1681 section 602 A states I have a reasonable right to privacy and that has been violated 15 USC 1681 section 604A states that a consumer reporting agency can not furnish a account without my written permission ( I the consumer did not give any consumer reporting agency permission to furnish this information ) XXXX and XXXX furnished inaccurate and damaging information to my consumer credit report Experian XXXX and XXXX Consumer has also discovered pursuant to 15 USC 1 every contract in restraint of commerce is declared illegal and is fined at {>= $1,000,000} or jail of 10 years Consumer grants permission to CFPB to act on their behalf

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 2022-09-22
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received receipts for payments and have not received a Notice of Privacy Practices since I faxed in medical records to them. Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: NV
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 # 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 an account without my written instructions. 
The following Accounts : Original Creditor : XXXX as serviced by XXXX XXXX XXXX : Absolute resolutions Open Balance : {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Pinnacle Credit Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried to call multiple times, unable to get through. Debt is not in mine nor husbands name. Debtors name is similar but not my husbands and address does not match our home address therefore, debt is not ours.

Company response to consumer: Closed with explanation