BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The information shared is incorrect. This is a is a violation of my privacy by selling and reporting my personal and private information to any third party. 

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy. Section 604 of the Fair Credit Reporting Act No consumer reporting agency may furnish a consumer report to any person unless the consumer has authorized the disclosure of the report in a writing that is specific, informed, and easily revocable. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

I have written them to remove this inaccurate account and they have not.

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: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX SYNCB/PAYPAL XXXX 15 U.S.C . 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

1.XXXX  XXXX Account # XXXX 2.XXXXXXXX XXXX XXXX Account # XXXX 3.XXXX XXXX  XXXXXXXX XXXX  Account # XXXX 4.XXXX XXXX Account # XXXX 5XXXXXXXX XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A . States i have the right to privacy.

15 USC 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681 section 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 2022-12-01
Company: Auto Trakk, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
ON XX/XX/2022 AUTOTRAKK LLC threated to take legal action against me XXXX XXXX XXXX XXXX, consumer first, for not paying for a debt has not been validated legally and they threatened to get me arresting under XXXX  XXXX XXXX. This is against the fcra and i have came to this knowledge recently, AUTOTRAKK LLC has caused me fear, defamation of character, and grief with the inaccurate reporting in which i cant be approved for anything and committing to get me arrested which is unlawful un the FEDERAL PROTECTED CLASS FCRA 15USC1692e as it states " A DEBT COLLECTOR, IN COLLECTING A DEBT, MAY NOT USE ANY FALSE, DECEPTIVE, OR MISLEADING, REPRESENTATION. FOR EXAMPLE, A DEBT OLLECTROR MAY NOT : THREATEN TAKE ANY ACTION WHICH IN NOT LEGAL OR INTENDED.ALSO FALSELY REPRESENTS OR IMPLY THAT A CONSUMER COMMITED A CRIME OTHER CONDUCT TO DIGRACE THE CONSUMER. DEBT COLLECTORS WHO VIOLATE THESE LAWS CAN BE HELD CRIMINALLY LIABLE UNDER THE FCRA UP TO {$1000.00}. 

I also sent a cease and desist letter out on XX/XX/2022 VIA EMAIL AND CERTIFIED MAIL to AUTOTRAKK LLC AND THE CEO XXXX XXXX, XXXX, XXXX, AND XXXX and replied back and said and i quote " that don't mean anything to us '' AUTOTRAKK LLC has completely disregarded my cease and desist and is in violation according to law.in the FCRA it states " WHEN A CONSUMER REFUSES, IN WRITING, TO PAY A DEBT OR REQUESTS THAT THE DEBT COLLECTOR CEASE FURTHER COMMUNICATION, THE COLLECTOR MUST CEASE ALL FURTHER COMMUNICATION, EXCEPT TO ADVISE THE CONSUMER THAT : THE COLLECTION EFFORT IS BEING STOPPED. Beyond this point i have received over 50 phone calls all attached below in attachments. They have harrassed me for months after me telling them verbally and written letter to leave me alone and stop communicating with me and all CRAS ABOUT THIS DEBT. also attached is my consumer profile information from AUTOTRAKK LLC up to date as of XX/XX/2022 which should not be reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: VA
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:
ln accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX 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 fumish a account without my written nstructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
ln accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 fumish a account without my written nstructions

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have now realized that the same item was REINSERTED onto my credit report. 

XXXX XXXX Account # XXXX In accordance with the requirements of the FCRA section 611 ( 15 U.S.C.S 1681i ) ( 5 ) ( B ) ( iii ) ( A ) ( B ) requirements relating to reinsertion of previously deleted material ( ii ) notice to consumer. If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 days after the reinsertion. I have received no such notification, this is a serious violation of the FCRA. I demand you DELETE this account from my credit report IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX after several attempts to get my profile updated. I sent in my Social Security Card and my GA drivers license. On XX/XX/XXXX I called Equifax to talk about my account I could not get into Equifax.com because they can't verify the my personal info. Equifax has dragged me through the dust and mire I am fed up with trying to get them to do there job. I am being denied the credit that I deserve because they won't update my credit file, On the Equifax.com site it reads that my credit file has been blocked for " Promotional Purposes '' I really don't understand that and can't get any information from customer service because they claim to cant verify my info that I give to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXXXXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXXXXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX # XXXX, XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX XXXXXXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS, XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, 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 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. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt in fact therefor exists in requesting documentation none was provided. Due to identity theft this should be removed.

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 2023-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my credit file that doesn't exist. I tried to request validation and dispute this remark and the credit reporting agencies don't even respond back. I have now sent two disputes with not even a single respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see the attached dispute letter that was sent in XXXX of 2023 to the point of no available. For your reference, the letter is dated and time stamped. I am demanding that you remove the accounts listed in the dispute letter due to violation of the FCRA and negligence. Specifically, the collection account XXXX XXXX XXXXXXXX, has been removed from XXXX due to inaccurate reporting so why are you still reporting this account? You failed to conduct an investigation initially. I know that each violation has a maximum of {$1000.00}. If I were to take this to small claims court, I would be asking for the max per violation. At, this time I am only requesting the removing of the unverified accounts SPECIFICALLY XXXX XXXX since this has been investigated and removed from my XXXX account. See the attached unauthorized and unverified accounts and remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I placed a check in the mail. It was stolen from the mailbox, altered to show a different recipient and an amount of {$10000.00}. The check was accepted by the bank, CapitolOne, and debited to my account.

As soon as I became aware that she check had not been received by the intended recipient, I contacted the bank. and was told that the matter would be investigated ( case # XXXX ). In repeated follow-ups in person and by phone, I was given no further information. 
Finally, on XX/XX/2022 I received an email asking me to complete an Affidavit of Altered Check, containing only information the bank had from the beginning. The email stated : " Once the documents have been received and are acceptable, a provisional credit may be issued while the investigation is ongoing '', I submitted the notarised affidavit the following day. I have heard nothing further and suspect that CapitolOne is dragging this out hoping I will go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: SC
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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2022-12-01
Company: Army and Air Force Exchange Service
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.

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 2022-06-07
Company: WELLS FARGO & COMPANY
State: GA
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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-10-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have been a customer of Navy Federal Credit Union since XXXX? in XXXX I purchased a 2nd home and needed to pay contractors to do repairs, so I took out a consolidated loan with Navy Federal during the end of the year I hadn't worked and called and asked the bank to extend my loan the bank gave me 3 months to repay and stated they would report the loan as current, again in XX/XX/XXXX another problem came up and I couldn't make payment I called in XXXX I informed bank that I was having problems paying the bank says they will put the payment to the next month and if it occurs again to call back XXXX and the bank would report the amount due as current. Navy federal did the opposite and reported me to the credit bureau which caused my credit to drop from XXXX to now XXXX. I called Navy Federal and spoke with a supervisor of credit assistance to ask why was I reported since I have stayed in constant contact and assured you that I will make up the payment and why did you report me to the credit bureau this time and this was not the procedure before, the supervisor stated 'this is one of my seasoned reps and it was done properly '' I explained to her this was not done before I have been in contact with the bank during this ordeal, nothing like this has happened before why now. Navy Federal doesn't care how they are reporting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital Accounts LlC company added XXXX in interest. And continuing to try to charge more. This was not in the direct contract with the medical provider. They are insisting I must pay a 8.06 % interest rate even though it is being charged by them and not the original dental provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my 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 2023-08-26
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX, 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. 

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 non-monetary relief